Best insurers

 We are also looking for quotes as our runs out next month. So far Comfort have come out best with Saga in a very close second.

I have not had the renewal from the CAMC (who it is with at present), but I think peoples post code is taken into consideration which would give an uneven playing field. 

In these times of Brexit double check that the Insurance company will give you a green card for all the EU countries that lasts for the duration of the policy. I have had an horendous experience with AXA who appear to not to want to honour the existing european cover and insist that they will only issue a green card if I now tell them what countries I want to visit and when. LV= just gave me a green card with all the EU countries on it that lasted until the expiry of the policy. AXA hve now stopped me from wandering around Europe deciding on a day to day basis where we fancy going. A serious downgrade of my policy.

The best should have defaqto 5 star rating. If it does not show this it probably does not have it and will be short on cover, somewhere as this is what the rating relates to.

You also need the best service and claims handling which is more difficult to define but some companies claims service is at best poor and the settlements can be mean or very hard on what is covered. These are usually at the cheaper end of competitive quotes where to get the premium down, something has to be cut out.

My suggestions for a policy are either club, whose cover is often that bit wider and whose service is excellent, Caravanguard, SAGA, NFU and NV not in any particular order. There are others who are also worthwhile but the list might get a bit long.

 Not sure what your sum insured is but the premium you quote is still less than ours with the C&CC at just under £300, with a £250 excess and legal expenses cover and we do feel this is not excessive. Unless your sum insured is very low I would be deeply suspicious of any quote under yours.

Be aware also that some companies will not insure certain models of caravan e.g. Caravan Guard will not insure the 2013 Hobby we have just bought. They recommended Flux but looking at their reviews not impressed at all. Our previous van was written off last year (pothole disaster!) so expect slight increase but CAMG quoted £348 on a Market Value basis with £250 excess.is just OTT when compared to  CC&C quoted £334 for a New for Old basis again £250 excess.   I am now trying Towergate who have been recommended but still looking so ideas on here re SAGA, Comfort, Safeguard etc are most welcome.

The Adrian Flux reviews on trusted pilot are roughly the same as the ones for the club:

https://uk.trustpilot.com/review/www.caravanclub.co.uk

https://uk.trustpilot.com/review/www.adrianflux.co.uk

A couple of years ago, my caravan came adrift when on a motorway. Although fortunately no one was hurt the caravan was written off. My insurance was with the club's cover. The claim was settled,in full, in two weeks. We were treated well by all concerned at every stage.

So sometimes your choice should be more influenced by the outcome  than saving a few bob.

Also appears for insurer purposes, my van becomes a 2013 model because I purchased it in late autumn 2013! That then creates difficulty with having a van over 5 years old if I wanted a new for old policy.

Depends when it was built.  The caravan year starts in September, so it could be either.  The CRIS registration number will give you a definitive answer - Google the CRIS codes for the year or check the CRIS registration document if you have it.

Not sure what you mean by your caravan being regarded as a 2013 model as it either is or it is not. The chassis number should show the year and I am not sure how a newer model could be regarded as anything but that. I appreciate the new models appear in September but if it was bought between then and the new year it is still the model the chassis says.

New for old on your caravan is still available on the policies issued by both clubs although not sure where else, so may be you should change insurer.

I agree with you about how claims are settled & how fast. Our Lunar was written off last Sept & was settled by CC&C in 3 weeks. So you pays your money & takes your choice. We have just insured our "new" van (a Hobby) again with CC&C. As stated in one of my previous post CAMH quoted £348 for Market Value,(against £344 New for Old CC&C) on that basis I didn't even ask CAMH for their "New for Old" price. We talked to CC&C & have now paid £316.24 for "New for Old" with CC&C. No contest in my mind & believe me I always do a like for like quote.   

I think checking a companies Defaqto rating is sound advice.

I'm also currently insured with the C&CC and can concur with Millerman39's experience, however that will not stop me checking the market when I renew next month.