If it is getting round to annual renewal time for your static caravan insurance, then you may wish to consider the merits of getting a static caravan insurance quote.
A static caravan insurance quote can help you:
- to stay in touch with possible changes to general static caravan insurance trends;
- ensure that your insurance for static caravans still represents the same value for money that it did when you first took it out;
- make sure that your cover still matches how you use your static caravan.
Buying static home insurance from the site owner
If you are in the habit of buying your static caravan insurance from your site owners, now may be the time to review your static insurance cover, because:
- if your first thought is that there is little point in getting a static caravan insurance quote because you need to buy it from your site owners – then you may need to think again;
- in most cases there is absolutely no obligation for you to do this;
- your site may have every right to see proof that you have adequate caravan insurance and may legitimately charge an administration fee for having to deal with the paperwork relating to your own policy;
- you may find that you can buy equivalent or even more suitable cover elsewhere and at a price that makes good economic sense even when you take the site admin fee into account.
Considerations when buying static home insurance
When getting a static caravan insurance quote, there are several key points to consider:
- understand what the insurance policy covers. It may typically include protection against theft, fire and liability insurance. Some policies may offer additional cover for contents, accidental damage, or alternative accommodation costs;
- determine the value of your static caravan accurately. This includes the cost of replacing the caravan, any additional structures like decking or sheds, and the contents inside;
- insurance providers may offer discounts for security measures such as alarms, locks, and secure storage facilities. Ensure that your caravan meets the required security standards outlined by the insurance company. You may find that there are quite a few situations where these could be available including:
- being a member of a recognised caravan club, which is often seen as a sign of maturity and responsibility by caravan insurers;
- using a site where there is round the clock supervision;
- opting for a site which has a good safety history as far as flooding is concerned.
- know the excess amount you’ll need to pay in the event of a claim. A higher excess usually results in lower premiums, but it means you’ll have to pay more out of pocket in the event of a claim;
- understand the claims process of the insurance company. Know how to report a claim, what information you’ll need to provide, and the timeframe for processing claims;
- be aware of any exclusions in the policy. Common exclusions may include wear and tear, damage caused by pests, and certain weather-related damages;
- consider any optional covers that may be beneficial to your specific situation. This could include cover for awnings, verandas, or specific contents inside the caravan;
- carefully review the terms and conditions of the insurance policy before purchasing. Pay attention to any clauses related to cancellation, renewal, and changes in cover.
Your obligations under your static caravan insurance cover
In addition to these, you may need to bear in mind that any quote for static caravan insurance is likely to contain some terms and conditions that you may need to take note of, as failure to do so may invalidate any future claim.
These tend not to be particularly onerous however and may include things like:
- making sure that you awning is stowed away whenever you leave your static, as any storm damage may not be covered if you were away at the time with your awning open;
- ensuring that water and heating systems are drained down when the caravan is not in use and particularly over the winter months.
Reviewing your static caravan insurance policy will either put your mind at rest that you have cover appropriate for your needs or highlight areas where you could perhaps be doing better. Either way, what have you got to lose? You can get a no-obligation online static caravan insurance quote here.
If you’re unsure about any aspect of static caravan insurance, why not contact us today – we will be delighted to help!