Standard Insurance Policy
The standard insurance policy you use for your static caravan can vary slightly depending on the company you use for your insurance. However, most standard static caravan insurance policies include a few important things:
If someone slips on your decking or your roof is blown off in high winds and damages a local property or somebody's car, you will be liable for damages and could be taken to court. Public liability cover will cover you against a claim someone might make for injury to themselves or their property caused - whether directly or indirectly - by your static caravan. If you rent your static caravan to holidaymakers when you aren’t using it, public liability cover is especially important in case somebody has an accident that results in physical injury or, in some cases, death.
Static caravans left in holiday parks are typically empty for a good portion of the year, making them easy targets for thieves and burglars. Your policy should cover both the theft of your static caravan and any of its contents. Some policies even cover damages brought about by attempted theft, such as broken windows, doors, or even skylights that someone has broken in an attempt to gain entry to your static caravan. It’s important that you check your policy to find out exactly what sort of theft cover you have as some forms of theft - such as theft that was done without leaving signs of forced entry behind - isn’t typically covered in a standard insurance policy.
Whether it’s damage caused by bad weather, accidental damage, or vandalism, most static caravan insurance policies protect you against a variety of ways your caravan can be damaged. As a lot of holiday parks sit close to or on the coast, bad weather is expected- storms and flooding can cause massive damage to your static caravan, with heavy snow having the potential to cave the roof in. Other forms of damage protection includes damage caused by fire or smoke and structural weaknesses, whether it’s caused by rotting support or something falling onto your static caravan.
- Removal of debris & resiting charges
- Underground services
- Loss of rent , and other accommodation
- Removing the holiday home temporarily
- Lock and keys
- Automatic reinstatement of sum insured
- Interest third parties
- Domestic pets
- Emergency travel
- Gas bottles
- Public liability
Please note: This extension is only applicable if indicated on your schedule.
Malicious damage when let
We will pay up to £10,000 for loss or damage to the holiday home or, subject to the cover being in place, contents, as a result of vandalism and acts of malicious damage whilst the holiday hoe is let or sublet.
We will not pay the first £250 of each loss (the excess).
For further information please refer to our policy.
Looking for more information about static caravan insurance?
NACO can help!
We hope this guide has been helpful in informing you of the various uses static caravan insurance has to offer, as well as add ons to consider for your policy. If you want more information, our experienced and friendly team at NACO are on hand to answer any questions or queries you may have. Get in touch with us today! Alternatively, check out our blogs for all the information you could want about static caravans, insurance, and holiday parks!