Have you got a static holiday caravan? If you have just bought a holiday home, you may be excitedly making plans about the holidays you are going to have, come rain or shine! But don’t forget about caravan holiday home insurance.
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Do I have to take the site owner’s insurance?
In most cases, you are not obliged to take the site owner’s static caravan insurance policy, though do note that some may charge a fee and ask that they see your schedule with another insurer. However, even if they do, you may still be able to make savings on the cost of your cover, even after you had paid the fee!
How do I find static home insurance?
This is where we can help you. Whether your weapon of choice is the telephone or the internet, we can assist you in your search for static caravan insurance. Simply give us a call or get an online static caravan insurance quote here.
What does caravan holiday home insurance cover?
What is included in static caravan insurance can vary depending on the insurance provider and the specific policy terms and conditions. Generally, cover for a static home may encompass all or some of the following elements:
- fire damage;
- storm damage or other extreme weather events;
- theft or attempted theft;
- malicious damage;
- contents insurance (if needed);
- accidental damage;
- public liability cover.
However, this list is not exhaustive, and different insurance policies may have varying standard inclusions. It’s crucial to thoroughly understand any exclusions mentioned in the policy.
How much does static caravan insurance cost?
Until we have all of your details, it is difficult to say how much your caravan holiday home insurance may cost. Whether you use our service or look elsewhere, important factors that may influence the cost may include:
- the make, model and age of your static home. The value of your static caravan is a significant factor. Higher-value caravans typically cost more to insure;
- the location of your caravan can impact the cost. Caravans in areas prone to flooding, for example, may have higher premiums;
- the site. If the site is a member of a safe sites scheme then you may be entitled to a discount because insurers may recognise the importance of well patrolled, safe sites in bringing down the risks of crime;
- the level of cover you require;
- whether you elect to pay a voluntary excess on top of the standard excess (the excess is the first part of any successful claim that you agree to be liable for). Choosing a higher excess can lower your premiums, but it means you’ll pay more out of pocket in the event of a successful claim;
- letting your static home. If you plan to let your static caravan – perhaps for the times when you won’t be there – you may face higher insurance costs due to the business element involved, exposing your caravan to additional risks.
What will the policy be like?
No two caravan holiday home insurance policies will be identical. Accordingly, aside from the price, the points you may want to concentrate on may include:
- the details. What does the cover entail? And what are your obligations under the policy? (For example, many insurers will ask that you drain down the heating systems over Winter etc);
- the excess. What is the minimum claim amount the insurer may entertain?
- exclusions and limitations. Is there a maximum value for personal effects covered under the contents part of the static caravan insurance policy? It is also important to know what is excluded from your cover.
What next?
When you have had a good look at a couple of policies, what next? If you have any questions, please contact us! Our friendly professional staff will be delighted to help you.