Author: Jo Carthew
Source: ezinearticles.com

Advice on what to consider when Insuring your Static Caravan.

Now you’ve decided its time to indulge you and your family with your very own static caravan. It is such an exciting time for you all. To make the process easier here is a straightforward question and answer guide to insuring your static caravan.

After looking at a variety of caravan sites and parks you’ve found the ideal caravan, on the perfect park, and in your favourite location. You might have chosen a lakeside, busy seaside town or maybe a peaceful countryside setting. It’s a thrilling time, I’m sure you are picturing all the wonderful times you will share with your family and friends at your new holiday haven. But before you start preparation for the next barbeque or trip to the beach, it’s time to think about protecting your static caravan and finding out how to insure your investment.

You have, of course insured lots of things before and may think the static caravan insurance is just the same, but there are certain specific things to think about and to ask your prospective insurers. Here are some of the common questions people consider when insuring a static caravan

Do I have to use the company recommended by the caravan park?

You probably shop around for car and home insurance, so remember to shop around for this product too. The site may recommend an insurer, and they may be the one for you, but do shop around first. Online comparison sites are available and it only takes a few extra minutes, and should reassure you that you are buying the best product for your needs.

Is there a choice of cover available?

It is important to think carefully about the value of the cover you choose. If the caravan is only a few years old then new for old cover is available but on older vans the market value is usually the only option. Remember any extras on the caravan such as decking must be considered when you decide on the value of the cover.

Yes and like all policies…read the small print! It’s important to check what is covered and more importantly what is not. Check the level of contents insurance and single item limits, your perfect caravan may be furnished with flat screen TV, music system, cycles etc so check the policy covers these added items.

Can I let other people use the caravan?

Thinking of hiring the caravan out? Static caravan insurance generally allows for the caravan to be hired out, but if you aim to do this then do check and make sure you disclose this to the insurer. There should also be public liability insurance in case someone gets injured. Also consider whether or not you need to cover any loss of income you might suffer if the caravan was damaged and could not be rented out.

Do caravan policies like home insurance policies give benefits for installing extra security?

Insurance providers like security, so be sure your caravan meets their requirements. If you do not comply with them you may find your insurance void. I’m sure you have asked your park manager, but if not then its important to know the security measures within the park. Maybe ask some current owners if there have been any break-ins or vandalism.

With those points in mind you should be very well prepared to insure a static caravan. So shop around, ask the questions and protect your static caravan for years of happy holidays.

I am a mum to one gorgeous little boy and we are lucky enough to have found our perfect holiday caravan in Somerset. I hope you found the information on insuring a static caravan useful. You can learn more about buying and owning a static caravan here http://www.insure-a-static-caravan.blogspot.com/