What is Static Caravan Insurance?
Some caravans are mobile, some are not easily moved around. Whether it is a movable or static caravan, there are insurance covers available for you. Static caravan insurance is a cover provided to permanently sited caravans.
Normally, the insurance cover provided is similar to that of a home insurance due to certain installations like electrical and plumbing solutions. There are various reasons to get a static caravan insurance, with the prominent one being the security it offers against theft, vandalism, storm, and other unforeseen happenings.
Why do You Need Static Caravan Insurance?
According to the legal requirements stipulated by the government, static caravan insurance is not a must. Although, holiday parks generally request for a modicum level of cover and this is the caravan liability insurance. That aside, there are a thousand and one reasons to compare cheap static caravan insurance quotes and purchase them.
Apart from the fact that you are excluded from bearing the burden of any disaster which occurs, you are also confident of storing valuables and essentials in your caravan; basically, making life more enjoyable for you. For instance, if you compare static caravan insurance quotes online now and get a suitable cover, you are more likely to install heating systems, have a PC, etc.
How to Compare Cheap Static Caravan Insurance
There are certain factors which are to be considered when it comes to getting cheap static caravan insurance cover. One major consideration is the market value of the caravan. If you have extra add-ons such as decking, veranda, etc. these will also impact the cost of static caravan insurance. Discussed below are some of the effective methods by which you can reduce the cost of insurance cover you purchase.
Install Security Features
There are several ways by which you can beef up the security of your static caravan. One prominent method is to install UPVC locks or alarm systems, you can get up huge discounts on the cost of insurance. Also, you are protecting yourself & your properties by having this extra layer of security in place.
Payment of Excesses
Excesses are payments made to the insurance company prior to a claim made. For some companies, this excess is waived, while other companies enforce payment. Whichever the case, when you pay increased excesses, the premium you eventually pay is reduced.
Available Covers for Static Caravan Insurance
The content of your static caravan is covered. This includes fixtures, fittings, appliances, furniture, ornaments, and other valuables.
Sometimes, you leave your caravan during the winter. When you get back, you realize that there is damage done to the caravan as a result of frost and freezing. Provided that you drained down the caravan correctly, you will be covered.
New for Old Cover
This is one way to take advantage of the insurance coverage. You can claim a new replacement for stolen or damaged content in the caravan. The market value, however, is mostly considered for these items.
Storm Damage Cover
Flooding can be very dangerous, especially to a static caravan in a high-risk area. The damages caused are also very severe to manage. A wise decision will be to take cheap static caravan insurance and guard against any eventuality.
Policy Exclusions for Static Caravan Insurance
Damage Caused by Wear and Tear
If the damage done to your caravan results from wear and tear, the insurance coverage does not apply to this sort of damage.
Theft as a Result of Carelessness
Perhaps, you forget to bolt the door or you fail to enforce other normal security procedure. This is, for most insurance brokers, hard to bear and you might carry the burden alone.
Using Caravan for Other Purposes
A caravan shouldn’t substitute for your main home. If you are fund flouting this agreement, your insurance claim might be null and void.
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