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Posts Tagged ‘caravan insurance’
Here are a few key points that might be worth keeping in mind when you are thinking about park home caravan insurance:
- some considerations of park home insurance can end up in a discussion about what is or is not a caravan - however this may not be very helpful when looking for cover;
- it may be more valuable to think about the way it is used rather than whether it is a caravan, mobile home, prefabricated dwelling or anything else;
- if you occupy a structure that is immobile under normal circumstances, is located on a council approved park home site licensed for permanent residence and you live there permanently as your normal place of domicile, then typically it will be considered a park home;
- if you use it only for occasional holiday purposes, it is not based on a park home site and it is capable of being relocated to winter storage locations, then it may meet the definition of a static caravan;
- Park home caravan insurance is another name for park home cover - this should not be cause for confusion~Confusing it} with static caravan insurance or touring caravan insurance, these forms of cover are not typically interchangeable;
- typical park home insurance provides cover for the structure itself, your belongings and personal possessions – check the wording of the policy to find out if it covers accidental damage in regards to these areas;
- all insurance contains conditions and that reality will apply also to park home insurance - making it imperative that you read your policy carefully before selecting it;
- insurance policies also typically contain exclusions and statements of commitments in the case of park home cover that may include things that relate to your site facilities and your use of various security devices on doors and windows etc;
- park home insurance may cover selected external items such as bicycles though other similar policies may not;
bear in mind that certain park home caravan insurance cover may typically not contain (or only under special conditions) if your park home site has a known history of flooding or is located where flooding is known to be a high risk.
Static Caravan Insurance: Quick Tips On Discovering Suitable Cover
If you have a static caravan, then you’ll want to protect it with the most suitable static caravan insurance. What is the easiest way to do this? What are the points you need to know before searching for static home insurance?
First of all, check around. Bear in mind that you may not have to go with cover offered by the site owner. If you do not opt to take the site owner’s cover, you may likely have to pay them an admin fee and show proof that you do have insurance. Even so it may work out cheaper than taking cover which might work out expensive.
Secondly, when getting quotes, look at what your obligations are under the policy. You may find that caravan insurance providers ask for:
that all water and heating systems are drained down for the duration of the winter months while unoccupied;
there is supervision on the site where you keep your caravan and it has access to services;
the securing is via permitted tethers to fixed anchor points;
the caravan site is not located in areas that are prone to floods
When acquiring static caravan insurance quotes, you’ll need to think about:
what type of external fittings and accessories you have and what sort of cover you’d like for them;
whether you need new for old or just market value replacement for your contents. Premiums may tend to be cheaper on a market value basis.
Also, if you’re letting out your caravan, policies may handle the issues associated with contents destroyed or stolen by renters differently. It is worth checking that the terms and conditions of your static home insurance policy provide cover that meets with the way you’re using your caravan.
Discounts
Discounted static home insurance may be accessible with some providers if:
you use caravan sites where there is supervision and security;
you have membership of a recognised caravan club;
the area is not prone to floods;
you may also be able to obtain discounts on your policy if you use more security features such as alarms etc.
Caravan Insurance: Top Tips On Getting The Most Suitable Cover
When choosing your caravan insurance, there are a number of considerations you may need to take on board, relating to the cover offered. Some of the features of the insurance might differ so do check all the terms and conditions of any policy you are considering:
• in the case of static caravans, quite a few policies may specify precisely the nature of the securing and anchoring systems that you need to use - failing to do so may invalidate any claims arising in certain circumstances;
• if you have a short while ago refitted your caravan, then market value replacement of your belongings may not be ideal for you;
• it is always advisable to check your policy’s position with regard to external possessions such as awnings, satellite dishes, washing lines or aerials - some policies may not cover these or may do so only subject to special provisions;
• remember that accidents can take place and if they happen to someone else as a result of your caravan, you may end up being sued. Checking out third-party liability cover is important - This may be more so when you choose to rent your caravan and even applies to renting to family and friends;
• note that the law dictates things such as the maximum towing weight of a caravan when measured against the maximum engine power of the towing vehicle - should you not stick to the terms you may be unable to claim;
• if you are moving your static caravan between sites, some policies may require special notification and the provision of specialist short-term cover to provide protection for your road transit;
• also check out the age limit as to mnimum driving age as you could find this is 25;
• some caravan insurance providers may insist upon (or offer discounts for) the use of extra security features such as tracking devices, immobilisers and locks and bolts etc;
• what risks to the caravan itself are covered - typically including environmental problems such as floods, storms and fires etc;
• and what risks to your contents are covered - eg types of natural disaster or theft and vandalism etc;
• also check out what is covered externally - for instance, awnings may be covered against storm damage if you are present, but if you are not present they may need to be fully stowed away;
• check out what discounts may be in place such as locating your caravan on a site that is protected;
• last but not least, all caravan insurance policies will carry terms and conditions and it is highly advisable to take these seriously, as they may relate directly to the suitability of the policy for your individual needs.
Looking for the best caravan insurance starts with working out what you really need. After all, what may be the best insurance for you may not be the best for the caravanner on the pitch next to you.
Insurance is also based on what type of caravan you own:
- static caravan owner;
- touring caravan owner; or
- a motorhome owner.
So if you enjoy your caravanning holidays, you may wish to do some research before searching for an insurance policy. After all, the right caravan cover can give you peace of mind to sit back in your deckchair and relax, safe in the knowledge that your caravan may be covered in the event of a fire, theft, or storm damage or some other unexpected events
Where do you keep your caravan?
Some of the best caravan insurance policy premiums may often be available to those who keep their caravan in a low risk location from theft and storm damageFor instance parking your caravan on your carport at home means that your postcode is taken into account for insurance.
However, if you keep the caravan elsewhere, you may wish to consider taking measures which should include;
- moving the caravan to a site that is well known as being secure;
- installing a hitchlock and a wheel clamp (which in fact may be the basic requirements of many caravan insurers); and
- giving thought to the possibility of getting an alarm or tracker for your caravan.
All of the above may help you when looking for the most suitable caravan insurance policy.
Where are you going?
Whether you are planning to holiday in the United Kingdom or in Europe, you might typically wish to check that your caravan insurance covers foreign travel.
Insurers differ in how they approach covering trips abroad. Some may impose geographical limits on the validity of the policy, so you may wish to enquire about this before you set off.
What are you taking with you?
One of the advantages of a caravanning holiday is that there is no weight limit for your luggage. Within reason (and as long as safety permits), you can bring as much as you want on your trip.
However, you may wish to check that everything you want to bring may be covered by the contents section of your caravan insurance. If you are planning to bring anything very valuable, you may wish to check the small print to verify whether these items are covered.
It could be said that some of the best caravan insurance policies may be those that are clear and easy to understand. Therefore, you may wish to cast an eye over the paperwork before you set off on your trip, to make sure that you have the cover you are expecting.
If you own a static caravan - sometimes known as a static home – then getting the most suitable static caravan insurance for your needs may depend on a number of factors. For example, did you know that you are not legally obliged to take your static caravan insurance from your site provider? You are able to choose to shop around and this may save you some money on the cost of the insurance. And even if the site owner charges you a fee for not taking his insurance (which some site owners might do), you may find that you are still quids in on the cost of static caravan cover.
When you shop around for insurance you are able to get just the protection you want and need.
It may sound like an obvious statement to make, but some people may look to cut costs by assuming that standard caravan cover will be suitable in order to protect a static caravan – or they may simply be unaware of how many different types of caravan cover there are out there!
Here we’ll take a look at some of the different types of insurance cover for caravans available so you can ensure that you are looking for the correct one.
Types of caravan cover
There is much more to caravan insurance than just finding cheap premiums. Insurance specific to static caravans will usually be required.
Why is this?
This is because your static caravan may face different risks to another, different caravan type:
- as an example, insurance for your static home may usually cover different risks than insurance for a motorised caravan;
- of course the policy may also cover many things that any other caravan insurance might along with many different hazards.
For example, a motorised caravan will be on the road and so cover may be needed to protect it against damage caused by other motorists (this is in addition to your legal obligation to have at least third party UK caravan insurance cover in case your motorised caravan causes injury or damage to someone else or their property).
In contrast, your static home will rarely move at all, so on-road cover may usually not be needed (unless it is being moved). Once it is sited, it will typically stay there all the time you own it.
Typically a static caravan needs to be protected against different risks than a touring caravan might, such as:
- being at the risk of flooding (for example, if the caravan you want insurance for is sited in a high-flood risk area); or
- possibly a large branch falling on to it, if the static home park is in a wooded area.
So, if you are shopping around for static caravan insurance, ensure that you look for insurance that is specific to your caravan type and don’t assume that a standard caravan insurance policy will protect it.