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Posts Tagged ‘static caravan insurance’
Caravan Insurance Cover For Your Static Caravan Insurance Cover For Your Static Caravan~Selecting Caravan Insurance Cover For A Static Caravan~Covering Your Static Caravan With Caravan Insurance Cover}
Your static caravan may have provided you with many memorable holidays and will hopefully continue to do so over the coming years. One of the things that may help you to do this is taking out suitable caravan insurance cover for your static caravan.
An important point to take into account when it comes to caravan insurance cover for your static is that you do have a choice - despite what some site owners may have you believe.
Site owners may have every right to make sure that you have appropriate static holiday home insurance before they allow you to use their site. In most cases, what they have no right to do though is to insist that you buy your caravan site insurance from them.
However there is nothing to say that you have to take cover with them, you are able to look around and compare. Even if your site owner then charges you a fee for the administration they may have to do to process your policy details, you may still find that your own individually-sourced insurance is more cost effective.
You may also be able to get discounts on insurance when you choose to compare and not have to compromise on the insurance offered.
For example:
a number of providers may use the post code of your site to establish whether or not your site is prone to flooding. As you may expect owners of caravans on sites that are not prone to flooding may get cheaper insurance than those on site that are;
- being a member of a caravan club may also make you suitable for some premium price reductions.
As with any insurance policy bear in mind that static caravan insurance comes with terms and conditions. For example:
- heating and water systems may have to be drained during the winter season when your caravan is closed up;
- remember too that conditions relating to new for old cover may vary by policy, with some providing this for caravans up to 5 years old (rather than the more typical 3 years) if you have owned your static from new.
Reading through the detail of your policy to make sure you fully understand it, may typically help you get the most from your caravan insurance cover.
Why You Should Choose To Do A Comparison Of Static Caravan Insurance
If you are one of those caravanners who automatically buys their insurance from their site owner, then you may be wondering why you would ever want to compare static caravan insurance.
The reason is very simple - option.
There is no single policy that is suitable for everyone.
What is the best policy for someone else may not give the best cover for you. When it comes to choosing your insurance you have to take your situation into account and check out what is on offer in the form of caravan insurance cover.
The policy on offer from the site owner may be alright for your needs but is it the best? With this in mind that is why checking out and comparing caravan insurance is so important.
What you might find is that, not only may there be other policies that provide cover that is more suitable for you as a static caravan owner, but you also may be able to pick up some discounts along the way from things such as:
- being a member of a recognised caravan club or association (thereby getting what are often referred to as caravan club insurance discounts);
- using a site which has a good history when it comes to avoiding floods or the attentions of vandals or thieves;
- looking for a site where there is 24 hour warden cover.
Bear in mind that when you are looking for insurance the insurance policy always comes with terms which have to be explored.
These may have a direct effect on the levels of cover supplied and some are going to be more acceptable to you than others. Reading them through carefully is advisable.
They may require, for example, that you:
- be certain that that all water and heating systems are drained down when you are not making use of your static caravan over the closed season;
- take particular care with your awning and ensure that, if you leave your static unattended, your awning is securely stowed away;
- the site owner may possibly charge you a fee for having to administer your own privately sourced policy. Despite this taking out your own insurance may still work out cheaper in the long run.
Choosing to compare static caravan insurance quotes may leave you curious about why you didn't decide to do it sooner.
To some, the word 'caravan' conjures up idyllic visions of the freedom of the open road, relaxing summers jumping from place to place as and when you wish, and a little bit of home that you can hitch to the back of your car and bring around with you. To a lot of people caravans bring up visions of monstrous traffic jams, rainy July afternoons spent inside and a cramped living space. That is however, until you look at static caravans. Static caravans are, as the name quite plainly suggests, a caravan that is taken to one place and fixed there, and should only be moved by specialists with the right equipment and vehicles. Static caravans tend to be much larger in size, and can accommodate a lot more people in much more comfort than a conventional caravan. A static can also be fitted with proper plumbing for toilet and bathroom facilities, as well as having a proper kitchen with fitted oven and other amenities; in other words, it is pretty much a house without foundations!
Whilst a static caravan has significantly reduced risk in terms of it not being out on the road and moving around, the fact that it is essentially a small house brings its own issues. Searching for cheap static caravan insurance is always difficult, as it is a delicate balancing act between paying as little as you can whilst making sure you are getting sufficient cover.
One way to reduce your insurance premium on a static caravan is to make it as Fort Knox-ian as you can! If you can make your static caravan as difficult as possible for a burglar to get into then you will see a commensurate fall in the price of your static caravan insurance policy. For instance, fit double locks, security lights and even an alarm if you can, and make sure all windows are double secured. This is especially important during the off-season as, if you are not living in the caravan, you will have to leave it unattended for a good while, so making sure it is secure is paramount.
One thing to be aware of too is just what a static insurance policy does cover as regards contents. If you have a large amount of expensive electrical goods, or jewellery, or anything else of great value in the caravan, you might want to take out a separate contents insurance policy too, to ensure you are fully covered. This goes too if you have any sort of garden or shed in which to keep things, as these might not be covered by the policy either.
Finally, and this is the tip that everyone looking for any kind of caravan insurance should use, is to use price comparison websites. These take all the monotonous researching of quotes out of your hands, and just give you the options and prices in plain English. You can then calibrate this to ensure you get just what you want out of a policy, and save a lot of money into the bargain.