UK Insurance and Finance Articles

Cheap static caravan insurance

Posted: April 22nd, 2010 | Author: George | Filed under: Caravan Insurance | Tags:

If you have a static caravan, you might be considering cheap static caravan insurance. There is no substitute for looking at cover from a number of different providers, so here are some issues that you may like to consider in your search.

• The extent of your cover
What do you need cover for with a cheap static caravan insurance policy? Many standard policies will typically cover the costs of replacing a caravan or repairing it from risks like fire, storm, theft, and flooding. Some providers also arrange cover for vandalism and accidental damage. It may seem a little pessimistic to cover natural disasters that are unlikely, but while a flood or storm are unlikely, they could destroy your holiday home.

Static caravan parks are often arranged with gardens and small sheds in their immediate vicinity, and if you want these areas to be included in the cover, contact your provider to clarify this as not all polices will provide this caravan cover.

• The cost
When you are given quotes for cheap static caravan cover, check whether there are any discounts available. If your caravan is kept on a site that is well known as a safe and secure place, mention this to the insurer and a discount may be available. Further, if you have any no claims bonuses on any other insurance policies you have, it is always worth bringing them to the attention of the provider. Some offer discounts on this basis.

• The insurer’s requirements
Finally, your cheap static caravan insurance will typically only be valid if you comply with the insurer’s terms and conditions. The insurer may specify that certain security measures be installed including alarms and locks to reduce the risk of burglary. Regarding the timeframe of the policy, your caravan may only be covered in the wintertime if you drain down heating systems and take other steps to ensure that the structure is “winter proof”. The policy document will highlight your obligations, so make sure you are aware of these.