Static caravan insurance features

photo credit: Mooganic

• If you use your static caravan purely for an occasional holiday, then you will need static caravan insurance, whereas a dwelling used as your permanent residence will need park home cover;
• the owners of some static caravan sites may try to insist that you buy your static caravan insurance from them – you do, however, have the right to source your caravan insurance wherever your wish;
• even if the sites try to discourage you from providing your own insurance by charging an administration fee for policies bought elsewhere, you may find that this is still more cost-effective than buying from the site owners;
• some insurance policies for static caravans may stipulate that you take the basic common sense security measure of draining down heating and water systems when the caravan is not in use over the winter period;
• depending on the age and standard of the contents of your static caravan, you may typically chose between new for old or market value replacement – some policies may not offer both options, so it may pay to be sure that what you have is what you need;
• taking common sense security measures can help keep your static caravan safer and this may be rewarded with lower premiums by some insurance providers;
• you may be able to obtain a discount on your caravan insurance premium if you are a member of a recognised caravan association or club;
• some static caravan sites may be more prone to flooding than others – a caravan insurance discount may be available if you are prepared to locate your caravan only on those sites which have no history of flooding;
• getting some static caravan insurance quotes may help you to keep abreast of what is happening in the caravan insurance marketplace and help to ensure that your insurance still matches your needs.

Related Posts

• Compare caravan insurance: Policy differences between static and touring caravans
• Static caravan insurance options