How to get insurance for static caravans

Buying insurance for static caravans need not be hard work. If you have access to the internet, simply go online and search our website for terms and conditions, and you can have the information you need in front of you in seconds. Would you prefer to talk to a real person? Then telephone for a quote instead. We are always happy to talk through the details of the cover we have available.

What we need to know
The information insurers typically need in order to give you a quote is the address of the static caravan, and a few details about the park where it is kept. Premiums are partially based on postcodes, so that we can judge how likely the area is to flood, or be affected by crime. However, we will also ask for some further details about the site, such as whether there is a security guard on patrol, and whether you have any security devices fitted to the caravan.

What you need to know
The first thing you will want to know about static caravan insurance is what the policy covers. The standard cover typically extends to damage caused by fire, explosion, earthquakes, storm, flooding, theft and sometimes accidental damage. As you can see, some of those risks are more likely than others!

The cover may not only relate to the structure of the caravan, but could also extend to your contents. It does not usually extend to outside structures like garden walls and fences. If you have anything particularly valuable in your holiday home, it could be wise to check specifically that it is covered – there could be a limit on high value items.

Many people concentrate on the financial implications of an insured risk on the value of their investment, but what about your holiday? Alternative accommodation costs may typically be included in insurance for static caravans, subject to maximum amount that you can spend per night, but do check, as not all insurance for caravan providers may offer this.

When you have established what is covered by insurance for static caravans, you will no doubt be keen to compare prices. It is always worth asking what discounts are available. Some caravan clubs have worked hard to secure discounts for their members, so if you have joined a club, you might be pleasantly surprised at the reduction in your bill.

Likewise, if you have fitted any additional security devices to your static caravan, do not be shy about telling your provider all about them. Insurers frequently offer additional security discounts.

Understanding the way that insurance for static caravans works is extremely important. For instance, is there an excess on the policy? This means that you cannot make a claim under this amount.

Do you understand the terms and conditions of the policy? Accidental damage caused by shoddy workmanship to your holiday home may not included, so take care when selecting a tradesman to work on your property.

By giving no claims discounts on our insurance for static caravans, we give a fair deal to careful holiday home owners. Our UK based staff are always happy to hear from customers and potential customers, and take pride in the high quality service that we give.