Caravan holiday home insurance is very different from insuring a touring caravan. There are different factors that need taking into account and different risks that come associated with a holiday home caravan. Here are some factors to consider:
- do you rent out your holiday home?
- do you have all year round cover in your insurance policy, if so what requirements do you as the caravan owner need to meet?
- what protection is included for your awning?
- if you have a patio with fencing and decking, are these included in your caravan holiday home insurance?
- if you are considering buying a caravan have you given some thought about where the caravan will be sited?
These are just a few of the questions you may wish to ask yourself before you look for insurance quotes for your caravan holiday home.
Renting out your caravan
If you intend to rent out your static holiday home then you may wish to check the level of public liability insurance in your policy. Ask yourself what you might do if a guest suffered injury or even death while they were staying in your caravan. If you have liability insurance, it typically pays out towards any legal costs that may arise.
You might also wish to consider whether the policy covers a loss of pre-booked rental fees, in the event that something happened to your caravan that was covered under your policy, rendering it uninhabitable.
Year round protection, awning and decking insurance
Check if you need to take measures such as draining the systems down in the caravan to be eligible for all year round static caravan insurance.
Your awnings may be protected against damage to due to inclement weather such as storms; however, this typically only applies while you are in the caravan. Usually any damage that occurs to an awning left up in your absence has to be covered by you.
Some insurance providers may extend your insurance to your patio, decking and fencing, whilst others may not; check in the terms and conditions or with the insurance provider.
Considerations before siting the caravan
When considering buying a caravan as a holiday home take the time to search for sites and compare what they have to offer. Look out sites that have excellent security, and check whether the site has been prone to flooding in the past. Both of these may affect your quotes for caravan holiday home insurance. It may pay do your homework well before considering and applying for the cover.
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