New For Old Static Caravan Insurance

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What does ‘new for old’ mean?

As a rule, you’ll be offered two different types of cover when you’re looking to buy static holiday caravan insurance. You can, for the most part, elect to buy ‘new for old’ cover or ‘market value’. Some companies will have age limits in respect of new for old policies – NACO’s is 20 years.

As the name implies, new for old insurance will look to replace your static holiday caravan with a brand new equivalent specification model. This means that if your caravan holiday home is destroyed by something that is covered by the terms of the policy your insurer will replace the damaged caravan with a new one.

What things do I need to consider if I am buying new for old static caravan insurance?

The main consideration has got to be sums insured. It’s vitally important that you ensure that you are insured adequately, and it will be your responsibility to make sure you have enough cover. This will mean that you have to consider many things such as decking and verandahs, porches, steps and ramps, sheds, storage boxes and any other ancillary structures that the policy provides cover for.

You’ll also want to think about re-siting and debris removal costs as some insurance policies will want you to include this cost as part of your structure sum insured. At NACO we provide an extension to the policy for up to £15,000 worth of these costs.

It’s also important to make sure that your insurance schedule specifically details how much you are insured for – you don’t want to have to worry about something like this if you’re in the unfortunate position of a big insurance claim. We are very clear about how much you are insured for and this is detailed on the schedule. We’ll also provide an additional copy for you to give to your park owner.

Why choose NACO to insure your static caravan or holiday lodge?

We pride ourselves on providing the best level of customer service for static caravan insurance, advice and support for all of our members.

Don't just take our word for it, read what our members have to say.

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