Steps to gaining a static caravan insurance quote

Posted 11 September by Steve Dart

As with any insurance policy, you are protecting your property against unforeseen loss or damage. Taking out insurance for your static caravan is intended to protect one of your most valuable assets - your holiday home - against any unexpected eventualities.

The right policy should cover your static caravan for loss or damage, whether as a result of theft or vandalism, fire, storms or frost damage, and it should cover your fixtures and fittings and anything attached to the caravan, such as the steps or decking.

Consider extras

As with any policy, think about any extras you might need over and above the basic cover. Items such as food in a freezer, or lost keys, are good examples of additional extras you might want to consider if these are not covered by the standard policy.

It is always worth reading the small print of your static caravan insurance quote to see what is covered; for example, some policies may want your caravan to be securely anchored. Some policies may also offer personal possessions cover but check to see if these might be covered byyour home insurance policy.

Covering new for old or market value

If your caravan is less than ten years old, most policies will cover the cost of replacing it with a new caravan in the event of irreparable damage or complete loss. For caravans older than ten years, the cover is likely to be the market value rather than 'new for old.' If you have an older caravan that is in particularly good condition, it might be worth discussing the replacement value specifically. Keep up to date with how much it would cost to replace if you did have to start again, and make sure your policy reflects this.

With a static caravan specifically, you will need to check that your static caravan insurance quote covers re-siting and the cost of removing debris from the original site in the event of fire, for example.

Assumptions

Insurers will make some assumptions about your static caravan and the site you have chosen. For the insurance policy to be valid, these assumptions will need to be met, so make sure you are clear what the assumptions are. This sort of thing will usually be that caravans are sited on a licensed park, and one with security. There should be a low risk of flooding. You will also be assumed to take sensible precautions with your property, such as anchoring each of the four corners on the chassis.

You might also find that you are required to turn off mains water and central heating if the caravan is left unoccupied for a significant length of time.

As you should with any financial product you look to buy, get several quotes for comparison and shop around to make sure you get the right deal. There is no point paying for things you don't need, after all!