Having a static caravan to escape to for weeks and weekends is a convenient joy. One of the issues most owners face is that even in the places in Britain where the weather is best, there are likely to be long periods during the winter when the caravan is unoccupied. This means, that even if your caravan is on a reputable and well managed site, it is at the mercy of freezing pipes and vulnerability to damage, vandalism and unauthorised occupancy. Just like your main bricks and mortar home, your static caravan should be protected by proper insurance. Caravan insurance provides peace of mind that in the event of a major event, your losses should be covered.
Many static caravans boast coastal or remote rural locations and whilst this is huge benefit during the warmer months, the storms of winter can wreak havoc. Unlike touring caravans which can be stored or parked in a sheltered position, static caravans are exposed all year round.
It is important to do your homework before looking for insurance. Providers of caravan insurance and caravan insurance brokers will need certain information and this includes knowledge of whether the park where your caravan stands has suffered flooding or storm damage in the recent past. This fact may deter offers of insurance or will bump up the premiums considerably.
Consideration must also be given to the terms of the caravan site. There will undoubtedly be conditions and rules that are expected to be covered by your insurance. It is important to understand these to ensure your policy provides adequately.
Another important factor is the value for which you insure the caravan. The amount of insurance should be the unsited retail value plus the value of resiting the replacement van. Don’t forget to include in your valuation any outside “add-ons” such as storage containers, sheds and verandahs. You should also have contents cover. Some policies will specify that your valuation should include the costs of clearing the site in the event of your caravan being totally damaged in a storm or other catastrophic event. The terms will state what happens if your caravan is destroyed – i.e. will you receive new for old or current retail value.
If you intend to let your caravan your insurance policy must cover you for loss of income for if the caravan becomes unusable and unable to be let. Additionally, you will need liability insurance to ensure that in the event of someone renting your caravan being injured, you are covered.
As with all insurance, there are many providers so it is best to shop around for a good policy at an affordable premium. Caravan insurance brokers and comparison websites are a good place to find excellent deals.
Caravanquoter are caravan insurance brokers for static and touring vans
