Static Caravan Insurance

All you need to know about static caravan insurance

Whilst there are general similarities between touring caravan insurance and static caravan insurance policies, as static caravans tend to be located for very long periods or even permanently in one place, there are a few key points to take into consideration when comparing static caravan insurance quotes.

·        When considering static caravan insurance you should always pay close attention to the level of contents insurance. The standard of furnishings and electrical goods in statics tend to be of a higher level than tourers. Typically these goods will be of a higher value and therefore more desirable to thieves and more expensive to replace.

·        With items such as t.v’s stereos and laptops/computers, many static caravan insurance policies may not cover if the caravan has been unattended for longer than 30 days or fewer.

·        It is almost impossible to over emphasise the importance of location when insuring a static. The insurance company will take into consideration the location, how prone the site is to bad weather and the potential for flooding. These factors can have a large bearing on the cost of static caravan insurance.

·         As statics will spend a far greater proportion of the year unattended it is important to consider the level of security not just for your own peace of mind but also to keep the premium low when receiving a quote for static caravan insurance. Some sites will offer 24/7 365 day security and alarm monitoring.

·        Make sure that your static caravan insurance covers you all year round for damage to fixed water and heating installations as they will be prone to frost damage in the winter.

·        Should you wish to hire out your static caravan to offset the cost of ownership then it is important to ask your insurer if you will be covered. Some providers will even cover you for loss of rental income should your static caravan become uninhabitable (i.e. damage caused by flooding).

As always, it is best to check the small print when comparing policies and it is important to keep in mind the usage, the cost replacement and the age of the caravan when comparing quotes for static caravan insurance. If you have any questions, pleases don’t hesitate to get in contact with us.

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