At the height of what looks to be a record-breaking summer of sunshine, you are probably thanking your lucky stars for your foresight in buying a static caravan as a holiday home.
Remember, though, that your second home also needs the protection of adequate insurance in both the sunshine and the rain – not to mention the storms and freezing cold of winter months. Static caravan insurance may provide an essential safeguard, but just like any other insurance, you want to avoid paying an arm and a leg for it.
So, now might be just the time to be asking yourself whether cheap static caravan insurance really does exist.
Knowing where to look for it
Perhaps the first point to bear in mind, though, is that the cheapest is not always going to offer the most appropriate protection. Cheap static caravan insurance may be your goal, but value for money – in terms of the cover you need, at a competitive rate, is more likely to secure the better deal.
When you sign the lease agreement for your pitch on the caravan site, you might get the impression that you have little choice – you are almost certain to be offered static caravan insurance by the park’s management and feel under some pressure to buy it from them.
In fact, very few lease agreements impose such an obligation, so you are free to shop around and buy your static caravan insurance from wherever you choose. All that the park management may be able to insist upon is sight of the insurance document as evidence that you have a minimum level of public liability insurance – for the protection of your neighbours and other park visitors who might be injured or have their property damaged and hold you responsible. They may charge a fee for this, but, overall, you should still be saving money.
Choose a specialist broker
You might use your freedom to shop around to decide for yourself what insurance cover might be appropriate and look for it using your own resources – online, for example.
The advantages of using an independent insurance broker are described by the British Insurance Brokers’ Association (BIBA), which lists ten good reasons for doing so. These include the free advice you may be given, the identification of those risks you might not have spotted yourself, the help you may need in making a claim, and the access to competitively priced policies which are often available exclusively through a broker, so satisfying your search for cheap static caravan insurance which represents excellent value for money.
By using a caravan insurance specialist, you are likely to get a choice of caravan cover, too, from a number of insurers, meaning you can choose the cover must cost-effective and appropriate for you.
Not only does cheap static caravan insurance exist, therefore, but it is just a click or two away when you visit us here at Cover4Caravans and ask for your online quote or make a telephone enquiry.