When taking out static caravan insurance you really should shop around, to ensure that you have the right insurance cover for your needs at the best possible premium. This is where Quotezone can help, by making it fast and easy to compare static caravan insurance quotes online.
Check your quotation to see if you have contents cover and to what total value. Ask if there is new for old protection so items damaged or stolen may be replaced brand new. Of course there will be limitations and exclusions so these would need to be reviewed prior to taking out your cover. Examples of such limits may include expensive jewellery, cameras etc.
Another possibility with static van insurance could be to insure for agreed values. If you have made improvements to your caravan then this could be useful as the caravan may be worth a lot more than the standard model. With agreed values you have the comfort of knowing exactly what any claim will pay out.
There are various ways that you can reduce your static van insurance cost. The safer your static caravan is seen to be then your insurer will be more relaxed and this should be reflected in the premium paid. Burglar and smoke alarms fitted the caravan are a deterrent to thieves which could also help to keep down the cost of the insurance. A secure and possible guarded caravan site will also be helpful. Paying a higher excess than the minimum your insurance company requires is another popular way to keep costs down, though do bear in mind this excess amount comes directly out of your own pocket if you claim.
Be sure to consider cover for storm damage, lightening, or if falling trees or branches were to damage your caravan. Consider also if damage due to flooding can be claimed for under your policy and try not to site your static caravan in a known flood zone. During the winter months your caravan will not be used as frequently so check to see if water damage cover is in place as your plumbing installations could be damaged by frost and ice.
Ofcourse, shopping around is always a good motto and at CaravanStar.co.uk we aim to make that easier.