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Static Caravan Insurance - An Introduction
Owning a Static Caravan is growing in popularity. They can be a holiday static caravan or a residential static caravan, the difference being of course that with a holiday caravan you do not live in it all year round, rather use it only for holidays, although of course these can be lengthy.
Static caravan insurance is a very important consideration whether your caravan is for residential or holiday use.
Your static caravan will be permanently sited on a caravan site or caravan park. The geographical location of the site may have some impact on the insurance required, how easy it is to get cover and how much it costs. For example if the caravan park is near a river there maybe a greater risk of flooding, or if there are a lot of trees around the caravan then there may be an increased risk of tress falling and damaging it. There are also other risks to consider such as damage through storms or damage caused by burst waterpipes, of particular issue in winter.
There are some insurance risks that are more likely to occur if you have a static holiday caravan, for example theft and accidental damage. Whilst you may not have high value items in the caravan, most likely you will have such as a microwave, maybe a TV and DVD player, radio, kettle and toaster etc. These could well be the target of the 'opportunist thief', easy to pick up and carry off, frequently without anyone noticing. Getting insurance to cover this possibility of theft is wise.
With a residential caravan, some of the insurance risks are very similar to those you might expect to cover with a standard house insurance policy. For example cover for damage to refrigerator and freezer contents through loss of power.
When insuring your caravan, you can get an insurance policy which covers just the structure or both the structure and contents.
A static insurance policy is usually an annual policy and therefore has to be renewed each year.
There are many static caravan insurance providers, both insurance companies and insurance brokers who can help you get the insurance cover you need. Locate-Caravan-Finance has partnered with Willis, a leading broker with a static caravan insurance product underwritten by Lloyd's of London. You can get a free, no obligation static caravan insurance quote , to see how good their product is and how it meets your needs.
Static Caravans - Other Information:
