Insurance Facts

Should you have a static caravan, then you’ll want to protect it with the most suitable static caravan insurance. What is the easiest way to do this? What are the points you need to know before searching for static home insurance?

First of all, check around. Bear in mind that you may not have to go with cover offered by the site owner. If you do not opt to take the site owner’s cover, you may perhaps have to pay them an admin fee and show proof that you do have insurance. However, this means you are free to get your own cover, which could work out more cost-effective, even after you have paid an admin fee.

Additionally, when getting quotes, look at what your obligations are under the policy.  For example, as part of your cover, some static caravan insurance providers may require:

that all water and heating systems are drained down while in the winter months while unoccupied;
there is supervision on the site where you keep your caravan and it has access to services;
the securing is via accepted tethers to fixed anchor points;
the caravan site is not located in areas that are prone to floods

When acquiring static caravan insurance quotes, you’ll need to think about:
what sort of external fittings and accessories you have and what sort of cover you’d like for them;
whether you need new for old or just market value replacement for your contents. Premiums may tend to be cheaper on a market value basis.

Also, if you’re letting out your caravan, policies may handle the issues connected with contents destroyed or stolen by renters differently. Therefore always check any terms of any policy you are considering purchasing

Discounts

Discounted static home insurance may be accessible with some providers if:

you are using a site that is secure and possibly supervised;
you have membership of a recognized caravan club;
the area is not prone to floods;
you may also be able to obtain discounts on your policy if you use added security features such as alarms etc.