You may typically only start to think about static caravan insurance prices when your policy needs to be renewed.
Simply rushing to renew your existing cover, however, without getting a few static insurance quotes, may mean you could miss out if there have been any changes in the insurance marketplace.
You may find, for example, that some providers may offer discounted premiums in certain circumstances, which could have a significant impact on static caravan insurance prices. In this blog post, we’ll explore actionable tips on how to secure discounts on UK static caravan insurance prices.
Location-based considerations
The geographical location of your static caravan can influence insurance costs. Caravans situated in areas prone to specific risks, such as flooding or extreme weather events, may incur higher premiums. While you can’t change the location of your caravan, being aware of the associated risks allows you to make informed decisions about cover and potentially seek discounts for implementing additional safety measures.
Locating your caravan on a site which has a history of flooding may obviously bring an increased risk of your static being damaged in a flooding incident. That’s why you may find that discounts may be available on static caravan insurance prices if you use a site which has a flood-free history. Read more here;
Choose the most appropriate level of static home insurance cover
Tailoring your insurance cover to your specific needs can help optimise costs. Evaluate the level of protection required for your static caravan, considering factors such as the caravan’s value, contents, and potential risks. While it’s essential to have adequate cover, unnecessary add-ons can inflate premiums. Striking the right balance ensures that you’re protected without overspending.
Security measures matter
If you let your caravan out to paying guests, then you will have legal obligations to have specific safety features installed as well as regular gas and electricity safety checks. These typically include but are not limited to:
- Fire safety equipment: Install and regularly test smoke alarms and carbon monoxide detectors within the caravan. Maintain an in-date fire extinguisher and fire blanket, ideally positioned prominently in the kitchen area;
- Gas Safe: Obtain a landlord’s Gas Safety Certificate, which must be renewed annually. Display the current certificate prominently within the caravan;
- Electrical safety measures: The caravan must possess a fixed electrical installation certificate. Conduct an annual testing of all electrical appliances aged over 12 months, obtaining a Portable Appliance Test (P.A.T.) certificate;
- Health and Safety Notice: Display a health and safety notice conspicuously for guests. This notice should provide details on the nearest fire assembly points and contact information in case of emergencies.
What else do I need to consider when getting static caravan insurance?
You may believe that getting a static caravan insurance quote is a waste of time because your site manager insists that you purchase caravan insurance from them. Contrary to what you may think though, in just about every case, you are under no obligation to purchase their insurance. In fact, if you shop around, you may find a more cost-effective policy – even if you then must pay an often nominal administration fee to the site owner.
Understand the T & C’s
With many static caravan sites closing over the winter months, some static caravan insurance policies may have terms and conditions relating to sensible precautions that may help keep your static caravan that bit safer through the closed season. This could include things like draining down heating and water systems and ensuring that your caravan is securely tethered.
Awnings insurance
Awnings may be another area which merit specific mention in static caravan insurance policies, as these may be particularly vulnerable to storm damage. So, you may find that you are asked to stow your awning away whenever you leave your static, as any damage to the awning may not be covered if you were absent at the time it happened.
While awnings are undoubtedly a valuable addition to caravan living space, they can never be described as secure areas. You may find, therefore, that belongings and contents left there are specifically excluded from cover.
You can read our Guide to Awnings for more information.
Summary
Taking a bit of time to compare a few static caravan insurance quotes does not have to be an arduous task. You can do your searching online or over the telephone and have the information you need to make an informed choice very quickly indeed. If you have any questions, please do not hesitate to get in touch!