Caravans are a great long-term investment, as they will allow you to take affordable holidays to destinations across Europe for years to come.

But they are expensive to buy, so you will want to ensure you have the right kind of touring caravan insurance in place, just in case the worst happens.

Finding the right policy for the right price can be difficult, but Shield Total Insurance can help.

We are a specialist caravan insurance intermediary and our staff are experts in assisting people to tailor their policy so that it suits their requirements perfectly.

As well as offering a range of flexible products to make certain there is something suitable for every individual caravanner's needs, we pride ourselves on finding our customers the best value for money on the market.

What options will you have when choosing touring caravan insurance?

When buying comprehensive touring caravan insurance you will obviously want to make sure the policy includes cover for major problems, such as your pride and joy being stolen or destroyed in an accident.

But you should think carefully about the type of cover you choose.

A 'new for old' policy will give you a like-for-like replacement, up to the value of the sum insured. This option is popular with people who have bought a new touring caravan.

If you have an older model, you may prefer a policy that gives you 'market value' for the stolen or destroyed caravan.

The third option is 'guaranteed value' cover, which allows you to insure your caravan for a fixed amount, providing the model is less than seven years old.

You will find you have a number of other choices to make, whether you are looking for insurance for a single or twin axle caravan, or a British or continental-style one.

One important thing to think about is where you plan to take your holidays, as you will be able to choose from UK-only or European policies.

You may also wish to purchase some extras, such as key protection and legal cover.

How can you keep the cost of touring caravan insurance down?

When searching for insurance for touring caravans, you are sure to discover the best deals are available online.

But you can do more to keep your costs down than simply shop around for the lowest prices, as it is possible to reduce your premium by up to 60 per cent by taking a few simple steps – meaning you could pay less than £50 for cover.

Joining an accredited caravan owners' club will entitle you to a discount of up to ten per cent on your insurance, while using a Caravan Storage Site Owners' Association compound will give you a price cut of up to 25 per cent.

You can also receive money off if your caravan has safety and security devices fitted, such as caravan wheel safety bands, tyre protectors, wheel locks, alarms and trackers.

It is possible to amass a no claims discount of up to 25 per cent, while your premium will drop if you agree to increase the excess.

Why choose Shield Total Insurance for touring caravan insurance?

We have specialised in caravan insurance since 1997 and our knowledgeable staff are well placed to find you the best deal.

Our advisers are committed to helping you tailor your cover so that it matches your needs and will ensure everything is explained in simple English, rather than using the jargon that features in most insurance paperwork.

Visit the Shield Total Insurance website for a quote or request a call back to discover more about our policies.