We've put together our most frequently asked questions and answers to help you decide which type of static caravan insurance best suits your requirements.
Most holiday park owners will insist on caravan insurance being in place and will ask you to provide them with a copy of the insurance schedule if you choose to insure with someone else. Making sure that you have 'public liability' cover is an important aspect too as this will offer you protection when you're at the park. At NACO we offer £5 million worth of public liability with the policy as standard and will send an additional copy of your schedule to send to the park owner.
We like to keep costs nice and transparent so your insurance premium will be primarily based on two things – how much you insure for (sums insured) and whether you choose new for old (available on caravans up to 15 years old) or market value.
The key thing to consider is 'risk'. A static caravan, mobile home or lodge is constructed differently to a 'bricks and mortar' home and is therefore at higher risk from things like storm and winter weather conditions. Similarly caravan parks are often situated in areas that are more susceptible to extremes of weather conditions.
New for old insurance will look to replace you with a brand new equivalent specification caravan or lodge.
Market value means that the replacement holiday home will be of a similar age and specification. Your sum insured would need to be based on its current value in the open market.
Static caravan insurance policies are based on the accommodation being used for holiday purposes. When you buy a caravan or lodge it will come with lots of items that would ordinarily be considered contents under a household policy. Things like furniture and in some case white goods will be 'bundled' as part of the caravan purchase. Your 'contents' are comprised of your personal property – and include things like televisions, clothing and laptops and computers (subject to policy limits). Valuables and sports equipment are stand-out exclusions – for a full list please check our Summary Of Cover of Policy Wording documents.
Standard perils - for example fire, escape of water and storm - would still be in place; however, certain aspects of cover would not: You wouldn't be covered for theft, attempted theft, vandalism or malicious damage by people who have sublet your caravan. You would be covered for accidental damage, but the Excess would increase to £250. We can also now offer an optional extension to cover which gives up to £10,000 worth of malicious damage cover when the holiday is let or sublet subject to an additional premium and an excess of £250. For more information give us a call on 01255 820 321