Many people have found that the motorhome route is the one to take if you want the best of both worlds. You get all the atmosphere of the festival with the added bonus of a shower and a cup of tea in the mornings, there’s no queue for the loo and the bed is guaranteed to be dry and warm, or at least it will be as long as you don’t leave the sunroof open in a downpour!

Many motorhome owners who aren’t into music festivals and the like have been known to rent out their motorhomes to people who are so that they get some money from their dormant motorhome, and someone else gets to enjoy a music festival in comfort. However, while this is perfectly legal, most people don’t realise that if something was to happen to their motorhome during the event, it would not be covered under a standard motorhome insurance policy.

One of my more distinct memories from last year’s Glastonbury festival was that of a couple happily leaving their motorhome after having had breakfast under the awning, only to return that night to find that one of Glastonbury’s famous monsoons had put so much weight on the awning that all the poles were bent and broken causing the awning to be ruined. This must’ve been around 1000’s worth of damage which would have been completely uninsured if they had hired the motorhome without letting the insurance company know.

If you are thinking of letting your motorhome go to Glastonbury or any similar music festival this year, is well worth thinking about insurance.

If you’re not going yourself, it is probably best to start by loaning your motorhome to friends or family rather than people you don’t know because adding friends or family to an existing insurance policy is by far the easiest way to go. So you can watch the festival from the comfort of your own home, safe in the knowledge that your motorhome is being looked after and even if it isn’t, you’ll know you have the right insurance to cover it.

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The family and I had a late night in our motorhome playing cards and went to sleep very tired. As a result, when we woke up the next morning we were already late for a rendezvous that we had arranged with our close friends and fellow motor homers, the Wilsons. The usual queue for the shower ensued and by the time we were finally ready to go, our friends had decided to explore the country-side without us.

I then realised I had no idea where the keys were so I looked for them, and couldn’t find them. My family then joined in the search and in my usual calm and patient manner I accused each family member of stealing them, then moved on to accusations of half-hearted searching before finally accepting my son’s version of events which was that aliens must have come from mars and stolen the keys to our motorhome. So I then went to the cab to get my mobile so I could call my insurance company for help. I was stranded in a field with a grumpy family and to make matters worse, it was about to rain.

There in the centre consul, with my phone, were the keys! Oh my goodness. I had left the keys of my precious motor home in the cab. I couldn’t help wondering if my motor home would have been insured if it had been stolen and my mind drifted back to the Insurance Times article.

If my motorhome had been a car the ombudsman would have considered

Location

Was I in a position to deter a thief

Was I recklessly ignoring the risks

Mitigating factors

Whether I knew about the exclusion in the insurance policy

I would like to think that this form of insurance pragmatism would have applied to me and my motor home. I think that by using an insurance broker there is a lot more chance of getting the right insurance policy for your motor home

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He phoned his broker and asked about caravan insurance who told him that there shouldn’t be any problem and the broker would be delighted to give Chester a quote. Chester gave the broker details about the type, value and size of the caravan and where it would be situated.

It was only a few minutes before the broker called him back and said that he unfortunately could not find him any caravan insurance. The reason was that although the caravan site itself was fine, it was the particular spot that Chester wanted that was the problem. It was next to the river Avon, right at the water’s edge, and last year it had flooded which caused lots of insurance claims, meaning that now, insurers are unwilling to offer any insurance to caravans places right on the water’s edge. If he was going to buy the caravan, it was going to be entirely at his own risk.

This news meant that Chester would have to re-think his ideas about buying a caravan. Since it was highly likely that the Avon would flood again at some point, he couldn’t afford to risk placing it there without insurance. He asked his broker what the “normal criteria” of a caravan site was so that he could bare it in mind if he was still going to go ahead and buy his caravan.

In terms of insurance, the ideal caravan site should be a registered CaSSOA site, this is because these sites have security standards that all caravans must meet. If the caravan is to be placed less formally, for example, on a farm, then the caravan should have its own compound with a defined perimeter. Some insurance providers insist that a caravan site has a minimum number of caravans. A sort of, “safety in numbers” logic. Another thing to look for in a caravan site is a defined boundary that is secure and would not allow uninvited people to come and go as they please.

Chester hadn’t really though that the insurance would play such an important part in the buying of his caravan. He was just appreciative of his knowledgeable broker who could steer him in the right direction, after all, he just wanted to enjoy his caravan and the insurance was just to take to worry out of owning one.

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I’m not sure what got me thinking about this subject; I think it was looking back at some photographs of last years Glastonbury festival and noticing, in one guise or another, just how many caravans were there. Obviously as an insurance man I was thinking about their insurance cover and whether or not the underwriters were actually aware just what they were being used for.

If memory serves me correctly there were caravans being lived in, housing first aid helpers, acting as tea shops (and I don’t mean mobile catering units, I mean caravans, proper ones with curtains) used as rest homes for tired musicians and even as the home of paid for showers.

Over in the camping fields there were caravans sheltering security staff from the rain, acting as the temporary weekend home for ageing rockers (some may have even been fellow caravan fans who knows?) and as the meeting point for lost festival goers.

Of course, the musicians themselves are among the biggest users of caravans at music festivals, they usually use the huge ones with extra wheels on the front for steering and they use them for changing in, preparing for the show in, and then use them to indulge in general after-show rock-star behaviour which I think is probably best left to the imagination! I’m not sure if Caravan ever used one, I think that would just be too good to be true! Caravan in a caravan listening to their debut album (which was called, as you may have guessed, “Caravan”). Or even better, if they had arranged a convoy with some friends, a caravan of caravans including a caravan with Caravan in it listening to Caravan!

But I digress; as I said a few long paragraphs ago, all these caravans got me thinking about the right kind of insurance to take out for this kind of venture, and whether or not any of these people had the correct insurance, I think the answer is probably not. However if you are thinking of taking a caravan to a music festival or somewhere similar, it’s definitely worth taking out the proper insurance because anything can happen in those kind of “free-partying” atmospheres where people are intent on letting their hair down and are perhaps not in their clearest state of mind and caravans can easily get damaged either by careless party people, or by simply sliding off on its own in the slippery mud, it could flood or catch fire or get blown away in the wind. Fortunately you can take out insurance policies to cover more or less anything that could happen to it, even being hit by an uninsured caravan posing as a tea shop!

Coversure are leading providers of caravan insurance if you are thinking about taking your caravan anywhere where it would be even remotely at risk, like at a music festival, you should think about looking into some caravan insurance, this will set your mind at rest when you leave it to go and do what you really want to do.

Before you take out any insurance it pays to know there are many types. So if you have a touring caravan you will need different cover to someone who has their caravan on the same site constantly. So bear this in mind when you are selecting your insurance.

If you have anything that is particularly expensive in your caravan make sure you include this on your policy. Failure to do this will mean that you will not be able to claim for single, high cost items. So take a look in your caravan and mention any costly items.

If you like to visit new places with your caravan why not opt for insurance that offers members benefits. These can include monthly magazines with caravaning news in it or special offers for various sites. More insurers than you think will offer these types of incentives, so take a look at them.

Obtaining as many free quotes as you can is a wise idea too. This will make sure that you are getting the best price for your insurance. You might also find an insurer that you have previously not heard of before who will provide you with the cover that you need.

Having some straightforward and simple caravan insurance advice will no doubt help plenty of people. By searching the market you can get insurance at the right cost for you and your needs. So take a look online now.

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But you would have to work your way to making up for this great show of thoughtlessness. So instead of expressing your undying love, you end up mumbling all sorts of excuses and apologies. This would not have caused you any trouble had you known that there are free birthday reminders.

If you don’t have it then you must learn a hundred ways to apologize and make up all the time. With this novelty item, you can be more creative in coming up with many surprises for her. It’s a good respite from thinking of nothing but business and leisure for you. It’s either this or you need some sort of virtual secretary to remind you of all the significant dates not only in business but most particularly in your personal life.

Fortunately, a website can now offer you free birthday reminders to keep you in touch with you personal life. You may think that this is no longer necessary. Again, just count the times your mom, dad, kids, and wife became upset on their birthdays because you only remembered about these when they told you. It is free after all.

That takes away any reason for you not to get this. By then you won’t have to panic and always be in the nick of time when choosing any gifts for your loved ones. You won’t have to sweat it off as well.

This free birthday reminders site can save you from that trouble. It does not only inform you that your loved one’s natal day is fast approaching. It suggests gift items you can buy for her too.

When you have a loved one who lives far, then it even gets better. You can send your greetings and express your affections in so many ways like an e-card or a video. Now you have many options to greet your loved one. Remember the proverbial rule that when you give your loved one something on his special one, it should be totally different than the rest.

It is true that it is the thought that counts when giving gifts. However, in greeting someone a “happy birthday, the thought is reflected on the manner that you express it.

You can be sure to not forget another special occasion or birthday again if you institute a free birthday reminder. It’s also good to send a free birthday ecard to friends and family on their birthday.

Nearly all of these suntan lotions are to be had with tingle factors, bronzers, cooling effect and a combination of all of them. California Tan tanning lotions are advertised in all the media and the operation has attracted many new users.

California Tan tanning lotions are prepared to be applied on a daily basis, because they can help the skin preserve its moisture level in order to produce a wholesome glow. They are able to protect your skin from the harmful rays of the sun even without any supplementary protective chemicals. So you can use California Tan tanning lotions to promote skin care, since tanning is itself one way for the skin cells to be protected from the sun in that tanning encourages the manufacture of melanin, which helps in the effective and safe absorption of ultraviolet radiation.

In fact, California Tan tanning lotions are able to make sure of a natural and ideal tan without the danger of drying out the skin. Tanning lotions are meant to be used outdoors. The principal constituent of the tanning lotion should make sure that the skin is protected against the hazardous rays of the sun while the other constituents hydrate and nurture the skin throughout the tanning period.

Good tanning lotions are also effective moisturizers of the skin and prepare it for revealing to ultraviolet rays. Moreover, California Tan tanning lotion also contains antioxidants which may help in the elimination of wrinkles and fine lines in the skin, so that the skin will appear younger. Ingredients comprise natural items made from plant extracts plus the vitamins A, E, and C. The overall effect of applying California Tan tanning lotions is to produce a radiant, natural look and a fresh, smooth feel to your skin. On the other hand, be aware that recurrent tanning is harsh on some skin types.

It is essential to keep in mind the three chief functions of the California Tan tanning lotion, which are hydration, nutrition, and oxygenation. By nutrition is meant the need to deliver vital vitamins to the skin cells, which will support its regeneration and oxygenation as well. Hydration refers to the correct moisturization of the skin. Lastly, oxygenation means providing enough oil for the skin to deal with tanning efficiently. Tanning lotions are safe to use since medical research has been thoroughly conducted on it.

When selecting the California Tan tanning lotion that works best for your skin, it is important to know your skin type. What may work best for your friend may not really be very for good on you. Is your skin oily? Dry? Normal? Or is it a combination of any of them? It is also quite important to picture the result which you want.

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