Points to bear in mind when taking a static caravan insurance quote

Never underestimate the importance of getting a static caravan insurance quote or two before you buy. You may be aware of the phrase having to shop around. For example, if you were buying a new television, unless it was an impulse buy, you would probably do a bit of research first as to what is available and at what price. As insurance is typically expensive it may pay to look around and find out if you are able to save money.

The same goes when buying insurance – it is not just insurance for caravans. As your static holiday home costs a great deal of money you need to insure it wisely. So, shopping around and comparing static caravan insurance quotes might seem to make sense.

How do I shop around for static caravan insurance?

When considering insurance you have two main choices:

• you can do all the hard work yourself by ringing around various caravan insurance providers to see what they propose, or by visiting the websites of various caravan insurance providers; OR
• you can take advantage of the specialist online static caravan insurance providers, where you can typically access a static caravan insurance quote or several, from just one source.

The latter option might seem more attractive as:

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· you can often compare quotes with no trouble, from the one source, helping you choose your cover more effectively.

Therefore when shopping around you may find your insurance cheaper than if you just simply renew your insurance. In summary, by comparing caravan insurance cover, you might well be able to find yourself cheaper static caravan insurance and / or a policy that offers enhanced benefits and features to what you currently have.

 

Caravan insurance static cover for peace of mind

As the name of the policy suggests, caravan insurance static cover is taken out by those who have a static holiday caravan. It typically offers protection against a range of events, such as:

Fire, explosion, storm, earthquake, flood, lightning or thunderbolt;

damage or loss that is classed as accidental;

criminal acts or vandalism;

theft or attempted theft;

loss of rental income that comes about due to an insured event.

As you are able to see from the above your caravan is typically protected against a number of unexpected events. However, you should note that as with all insurance policies, there will be exclusions (these are things which are not covered) as well as obligations you will need to fulfil order to keep the cover in force. So do make sure you know what the static caravan insurance cover entails and what is required of you as the policy holder.

Exclusions

When it comes to exclusions, these may be things including:

damage to your caravan which was brought about due to pets in the caravan;

theft or attempted theft where these is no signs of forcible and violent entry or exit to or from your caravan;

theft, loss or damage to garden fences and outbuildings;

the awning if it were damaged by a storm while you are away from your caravan;

where the caravan is your permanent place of residence etc.

It should also be noted that exclusions may differ among different providers, so it is key that you read over your policy document or ask your provider if you are not sure about what is excluded.

Reducing your claims risk

Of course there are some factors that you may be able to influence to reduce the risk of you having to claim on your caravan insurance static quote. Even some simple safety and security measures may help, such as the installation of:

heat detectors or a smoke alarm;

a carbon monoxide detector;

a security alarm and extra lighting around the perimeter of your static caravan.

Plus, make sure you have a fire extinguisher and fire blanket in an easily reachable position in your caravan. By treating your static caravan with great care, just as you do your home, accidents may be avoided along with claims on your insurance.