static caravan insurance

We are currently in the process of building a list of the very best available online static caravan insurance companies to help you find the right insurance.

Follow the links below to find the caravan insurance policy that is right for you.

Static Caravan Insurance Online

Buying static caravan insurance is like buying most things, you will get a better deal if you are willing to shop around. This is not just a case of price, but of getting the right coverage at the right price.

There are a number of things you should consider when buying insurance, to make sure you are adequately and properly covered.

If you rent out the caravan you will want a policy that covers you for loss of rental income in the event that the caravan becomes uninhabitable. If you bear in mind that a caravan could be unusable for several months during the peak summer months, then if you don't have such cover you are risking losing a good deal of money. And also think about insurance that provides alternative accommodation for guests in such circumstances.

You are also wise to have liability insurance as part of your policy if you rent it out. If a guest were to get hurt as a result of something for which you are deemed responsible, then you could be liable to hefty compensation, which could run into the thousands of pounds. This insurance would also cover for any legal and medical costs incurred as a result of the incident.

Static caravans face some different issues to touring caravans. A static caravan is prone to a number of geographical risks that can be easy to ignore, like flooding, storms and falling trees, despite the fact that these are common events. Then there is the risk that in winter the pipes can freeze and burst, which can cause very expensive damage to the caravan.

The biggest risks static caravan owners face are theft and accidental damage. This is particularly because the caravan is left unoccupied with contents left in them, and can prove a temptation to the opportunist thief.

If you have made improvements to your caravan you may want to look for a policy that provides an agreed value. The caravan could be worth more following your improvements, and following a valuation you can insure it for this agreed amount.

All static caravan insurance policies provide cover for belongings and possessions that are kept in the caravan. This includes televisions, linen and bedding, the toilet, any gas bottles, and any awnings amongst other things. There will be limits imposed on these however, so you should be clear what these are before deciding if the policy is right for you. In particular think about on the more valuable items in the caravan, and make sure that they are adequately protected.

You should also ensure that you have liability insurance if you rent your static caravan out. Should a guest get hurt due to something that is deemed to be your fault, you could find yourself many thousands of pounds out of pocket. This protection will cover any medical and court costs you may incur as the result of such an accident.

With a little thought and some planning you could save yourself a good amount of cash and possibly a considerable amount of heartache. So be sure you know the risks, and then make sure that the policy you have has them properly covered.