If you're looking for a safer option when it comes to caravan insurance, UK based options are the way to go. Compared with the rest of Europe and North America, the United Kingdom has seen far fewer claims in recent years. This is because caravans have been manufactured and designed with better safety features that make them less likely to be damaged or destroyed in an accident.
Whether you own one as your home away from home or just like using it every now and then on weekends, consider opting for UK based static caravan insurance so that you can sleep soundly at night knowing that no matter what happens out on the road you'll always be protected! From what is covered in the policy to making the claim, there is a myriad of reasons why it makes sense to go with a UK insurance provider. Let's take a look at the top eight reasons.
UK knowledge
The UK static holiday home market is unique. Static caravan ownership in the UK is hugely popular and differs from every other country in many ways. In the UK, park owners require caravan owners to take insurance out and it is important that you do so through a local UK provider that understands not only the way park owners operate but also has a good relationship with the park owners.
The sheer number of static caravan owners and parks across the UK is without a doubt one of the main reasons you should choose a UK based static insurance company. The knowledge, expertise and also experience is vast compared to other countries.
UK weather knowledge
Furthermore, a UK provider will know what it is like to own a static caravan in the UK and can cover you accordingly whilst offering essential guidance on looking after your caravan in the winter. UK insurance for static caravans will cover you for storm damage, the weight of snow and frozen pipes, provided you have taken the necessary steps to protect the caravan in the first place, such as draining the water and leaving the heating on.
A good UK provider can help you to take these steps by offering comprehensive guidance. Having the knowledge and understanding regarding the park your static caravan is located and also any issues that have appeared over the years, they can offer you insurance quotes based on past experience.
Professional underwriting
UK providers such as NACO offer policies underwritten by Lloyds Insurance, which is the world's leading market specialist underwriter. This protects your policy from risk and means you do not need to worry about your policy - it is in good hands. Choosing an insurance policy that is compiled and written by a great underwriter is important to ensure your policy is without loopholes.
Making the claim
Should the worst happen and you need to make a claim, doing so in the UK will be easier and faster. There is no need to call an overseas call centre; instead, friendly UK staff are available on a local line during business hours, ready to help progress your claim as quickly as possible.
Sometimes it can be more helpful to have a UK based call centre team cause they may have local knowledge and understanding of where you are and the best way they can help you. Making the whole claims process a little smoother and reduces the chance of confusion and disruption throughout the process.
Criminal damage cover
UK specialists such as NACO will offer cover for criminal damage. With a knowledge of the UK police system, getting a crime reference number and providing it to your insurer when you make a claim will make for a more seamless claim than when taking out overseas insurance.
UK based insurers will have the understanding and knowledge that more often than not, caravan parks in the UK close over the winter months, this means that they will be able to offer the best criminal damage cover as most break-ins related to static caravans happen during the winter months when the parks are closed and caravans are empty.
Re-siting costs
Only a specialist UK policy will include cover for re-siting and delivery costs, which can be significant.
Additional cover
Specialist static caravan insurance such as that offered by NACO has been built around extensive knowledge of caravan ownership and the type of incident likely to affect owners. This means your policy can include additional features that you would not find with standard insurance, such as rent loss cover, freezer food cover and vermin cover.
Additional cover is provided from non-UK based insurers, but it is more streamlined and focused when you use a UK based provider. They have an understanding of what is needed more frequently than another add ons.
Community membership
Specialist static caravan insurance in the UK, such as that offered by NACO, offers a wealth of benefits when compared with more generalised insurance policies or overseas policies. Making your claim in the UK with NACO means you are well covered and can easily speak to friendly, knowledgeable staff who can help to progress your claim as effectively as possible. It also means you become a member of the UK's biggest community of static caravan owners, with plenty of expert advice and knowledge available.
Contact NACO For More Info Today
It’s easy to be overwhelmed by the many options and considerations when it comes to purchasing static caravan insurance. With so much information available, it can be difficult to know which factors are most important in selecting an insurer and policy that will suit your needs.
To help you make a more informed decision about what type of coverage is best for you, we have compiled all the top reasons why UK based insurers like NACO should be considered as one of your options before purchasing a new or replacement policy. We hope this list has been helpful; if you still need some guidance on how to find the perfect plan for your family, please don't hesitate to contact us today!
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Published on 22 February 2018 By Dan Ellacott
