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.