Caravan Insurance

Contemplating Static Caravan Insurers

There are numerous companies out there offering static caravan insurance

Deciding on can often be difficult. With this in mind here are some things you may find helpful

Flood locations

During a period of what appears to be changing weather patterns, some insurers might possibly be concerned about the flooding risks in certain locations.

Bear in mind that if you site your caravan where floods are well known you may have to pay high premiums or be unable to get cover for your caravan at all Others might do so, providing an additional premium is paid.

Cost reduction opportunities

Of course the cost of insurance reflects on the amount of cover you want

These insurers may give a number of possibilities for receiving discounts in return for certain actions being taken. Examples of this might include things such as:

• the fitting of alarms and other security features;
• taking contents cover on a market value rather than new-for-old basis;
• using only sites that are under long-term supervision;
• make sure that when the caravan is not in use to store it securely;

Terms and conditions

All static caravan insurers are going to, without exception, have their own terms and conditions.

Some of these might interest you more than others. It might be very sensible to pay particular attention to any exclusions, as these are not things you will wish to discover for the first time in the event of a claim.

Definitions

Not all static caravan insurance policies can use exactly the same definitions. This may, in some situations, catch you out.

As an illustration, some policies may require that a static caravan be used only upon a formerly registered static caravan site where all services are in place.

If your caravan is sited on private land that is not formerly registered as a site, this may be an issue in the case of some policies.

Site owner insurance

There have been cases where static caravan owners have been pressurised by site owners to get insurance through the site itself.

In most cases, this is a dubious practice as more suitable and cost-effective cover may be obtainable elsewhere. It should not be acceptable for your freedom of choice to be removed.

In practice, the site owner may have a right to make an administration charge if you use your own insurance (and they may also have the right to see details of that insurance). Even so, it may perhaps still be more cost-effective to use your own cover.

Reading

The only answer, in terms of how to choose between static caravan insurers, is to take time to read all the documentation carefully before you make your decision.

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Static Caravan Insurance Premiums

Whether you and your family are in your own caravan on a touring holiday or you’ve pitched up your static caravan at one of the numerous caravan parks dotted around the United Kingdom. Do you realise how much security plays on your static caravan insurance premiums?

The insurance premiums you pay for your static caravan insurance on an annual basis could rely on whether you caravan is parked up at Camber Sands or at the other end of the country at Eyemouth. Area and reputation matters to an insurer and knowing which area has the least crime, least claims made over a given period and highest level of security could well decrease or increase your current premiums.

How do you find out? Just ask says one insurance expert. It’s not really a secret. Just like finding the right school for your child and expectations of education, you too can find out how much your static caravan insurance premiums can be by being wary of crime and security conscious. and letting your insurer know.

If an additional ten minutes on the phone asking questions about savings on premiums can save you £50 a year, would you bother to find out more? Of course you would. But don’t stop there. By spending another £10 or £15 on locks for caravan windows, doors and more on clamps for the wheel, you can be looking at making additional savings for every year you’re with the static caravan insurance provider.

With static caravan insurance you’re looking to cancel out the opportunist thief, cut down on possibility of easy entry and this can be done several ways. Firstly ensuring the caravan park you’re staying at has high visibility security, cameras and security guards, secondly by adding additional locks and securing accessories like television to the caravan.

Save on static caravan insurance premium costs by being more security aware and putting in place locks yourself and make it known.

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Caravan Insurance

When dealing with caravan insurance companies ask if they cover both static and touring caravans. Static caravans are kept on their pitch all year around, and touring caravans come and go with the visitor.

Both types of policy usually give the caravan owner financial protection against damage or destruction from fire and theft, and potentially from accidental damage. Without caravan insurance, not only is an expensive asset (the caravan) left unprotected, but if you cannot afford to replace the van itself without cover, you face a sharp rise in the cost of your holidays if you have to find alternative accommodation.

When you are looking around for caravan insurance UK caravanning clubs may be able to secure discounts for their members. Given that caravanning is becoming more and more popular as an affordable way of having a holiday in a recession, the market for caravan cover is getting more competitive.

So how can you get high quality cover at the best possible price?
For a static caravan, the cost of the premium will be heavily dependent on the location of the park where you keep it. So a well maintained, regularly patrolled park in a low crime area will be cheaper to cover than a caravan in a park with a higher crime rate.

To reduce your premium on a touring caravan policy, install security devices like a wheel clamp or have a hitch lock fitted so that the caravan is secure when you leave it unattended. Some insurers may even insist on these fittings before they will consider cover.

The premium could also be cheaper if you limit the mileage that you travel, and may go down steeply if you are prepared to limit the scope of the cover to the United Kingdom. However, if you intend to take your caravan abroad, do not forget to inform your insurer and request an extension to the cover. Otherwise you could find that the policy is invalid when you come to make a claim overseas.

If you are looking for a renewal policy, ask for a no claims discount as a reward for your history of safe caravanning.

Finally, when you have some quotes to compare, consider whether the extent of the cover suits you. Is there any contents cover included in your caravan insurance UK? Is the company experienced at dealing with insurance in the leisure industry? These are important issues that should help you make a decision between similarly priced policies.

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