Guide to Static Caravan Insurance

When taking out static caravan insurance you should do so very carefully. You have to ensure that you have the right insurance for your needs. If you are renting out your static caravan then you will need to check to find out if you would be able to claim for rental loss if the caravan should be damaged and you cannot rent it out. You could lose a great deal of income unless you can make a claim on the insurance policy.

You would also need to check your policy to find out what is covered in regards to contents in the caravan. If there is new for old protection then any items that are damaged or stolen would be replaced as new. Of course there could be limits and exclusions so these would need to be checked before taking on your policy. Certain items could be excluded which would usually be such as jewellery, cameras and camcorders. Of course there could be more and these could depend on the individual insurance company.

Also check to find out if the static caravan insurance you are considering would allow you to insure for agreed values. If you have made a lot of improvements to a standard caravan then should be considered essential as the caravan would be worth far more than a standard model. If you have agreed values then your caravan would be valued and this would be the sum of money that you would receive back if the worst happened and you were to lose everything.

There are many ways that you can save on your caravan insurance. The safer your caravan is seen to be then the more savings you could make on the insurance. You could make savings by fitting such devices as smoke alarms for example. Fitting an alarm on the caravan can be a deterrent to thieves which could also help to keep down the cost of the insurance. You could also offer to pay a higher excess than what the insurance company is asking for. The excess is how much you pay towards the cost of any claim before the insurance provider will take over the rest of the claim. However while you can keep down the cost of the premiums you do have to take into account that this would be the sum of money that you have to pay out in a lump sum if you were to have to make a claim on the insurance.

Also check to find out if you would be covered by the static caravan insurance for storm damage. This could include damage caused by lightening, wind, such as if trees or branches were to damage your caravan. Also see if damage due to flooding could be claimed for, depending on where your caravan is situated flood damage could be essential. As during the winter months your caravan will probably not be used also check to see if your plumbing installations would be protected due to damage by frost. Winters in the UK can be harsh and frost can burst pipes which could of course do a great deal of damage to your caravan.

Leave a Reply