Now you’ve decided its time to treat you and your family to your very own static caravan.
After looking at different sites you’ve found the ideal caravan, on the perfect park, and in your favourite location. You might have chosen sea view, lakeside or maybe a peaceful countryside setting. It’s an exciting time, I'm sure you are imagining all the wonderful times you will share with your family and friends at your new holiday oasis. But before you start planning the next barbeque or trip to the beach; it’s time to think about protecting your investment and finding out how to insure a static caravan.You have, of course insured lots of things before and may think the static caravan insurance is just the same, but there are certain specific things to think about and to ask your prospective insurers. Carry on reading for lots of tips to help you to insure a static caravan.
- You probably shop around for car and home insurance, so remember to shop around for this product too. The site may recommend an insurer, and they may be the one for you, but do shop around first. Online comparison sites are available and it only takes a few extra minutes, and should reassure you that you are buying the best product for your needs.
- Think carefully about the value of the cover you choose. If the caravan is only a few years old then new for old cover is available but on older vans the market value is usually the only option. Remember any extras on the caravan such as decking must be considered when you decide on the value of the cover.
- Yes, like all policies…read the small print! It’s important to check what is covered and more importantly what is not. Check the level of contents insurance and single item limits, your perfect caravan may be furnished with flat screen TV, music system, cycles etc so check the policy covers these added items.
- Thinking of hiring the caravan out? Static caravan insurance generally allows for the caravan to be hired out, but if you aim to do this then do check and make sure you disclose this to the insurer. There should also be public liability insurance in case someone gets injured.
- Insurance providers like security, so be sure your caravan meets their requirements. If you do not comply with them you may find your insurance void. I’m sure you have asked your park manager, but if not then it’s important to know the security measures within the park. Maybe ask some current owners if there have been any break-ins or vandalism.
With those points in mind you should be very well prepared to insure a static caravan. So shop around, ask the questions and protect your static caravan for years of happy holidays.
