Some static caravan site owners put so much pressure on caravan owners to buy their insurance from them, that unfortunately the latter may not even obtain any other static caravan insurance quotes. But given that static caravan park owners cannot force you to buy their cover, you may wish to consider obtaining independent quotes for static home insurance to see if you can snap up a more suitably priced deal!

Paying attention to detail
In a tough economic climate, the price may be an important factor in your decision to purchase caravan cover. However, not all policies are created equal, and it may be worth taking a moment to compare the details of the cover on offer.

Firstly, you may wish to consider the risks that are covered by your static caravan insurance quote. The following risks may typically be included in a static home insurance policy (though do note that not all insurers will offer all these elements of protection):

• fire;
• earthquake;
• flood;
• storm;
• theft or attempted theft; and
• vandalism.

Exclusions and limitations

Perhaps more important than what the policy does cover, you may wish to check out what it does not. Exclusions and limitations in a static caravan insurance quote provide the opportunity for you to compare how comprehensive the policy on offer is.

Exclusions may typically be more relevant when you are talking about the contents side of the caravan cover. Is there single item limit for what the insurer would pay out for one particular possession? If this figure is low, would your laptop or camera be covered?

What about if you let out your static home? You will need to get a static home insurance quote that allows for this. Not doing so could mean that any damage caused by tenants or loss suffered by them whilst using your static home may not be covered under your policy.

Likewise, you may wish to familiarise yourself with the terms and conditions involved in theft cover. Insurers may typically require evidence of forced entry or break in before they pay out for a theft claim.

What can you do about the price?

There are ways that you may be able to influence your static home insurance quote so that you get affordable cover:

• fitting additional security measures like the latest locks and alarms. Both you and your insurer have an interest in making sure that your caravan is as difficult to burgle as possible, and the insurer may reward you for extra steps you take in addition to those that may be required by your policy;
• siting your static home away from high flood risk areas;
• caravan club membership. Are you a member of a caravan club? If so, let your caravan insurer know, because this may give you access to more competitive prices and result in a reduction to your static caravan insurance quote.

Hi

Just a quick note to say well done to my team Dagenham & Redbridge for their stunning Play off win and now a place in League One against Charlton, Sheffield Wednesday and Southampton.

An excellent result and praise to our boss John Still and Assistant Terry Harris, plus Chairman Dave Andrews and Managing Director Steve Thompson, I know how hard you have all worked and you have made the players legends.

Looking forward to August already!

Good afternoon All

I was listening to my ipod last night and came across a song by one of my favourite bands REM and their track “Leaving New York” which I haven’t heard in ages and it’s still in my head now. In hindsight it’s a shame that they did not perform this at their Twickenham concert I went to in 2008. At my appraisal earlier I was discussing the change in my management style and this has been bred from my outlook as a family man. These are the words which strike a chord for me personally:

“You might have laughed if I’d told you, you might have hidden a frown, you might have succeeded in changing me, I might have been turned around.”

They may not mean much generally, but with the change in my cicumstances in the last few years it means something to me.

Also it was an amazing experience seeing these legends live and hopefully I can see them again one today.

On a different note I hope you are looking forward to the weekend, we have made excellent sales figures for the week and we hope this carries on into next week. I am doing some staff appraisals this afternoon and I have some plans for their development, they don’t know this yet!!!

Have a great weekend

Mike

Being the Phil Collins fan that I am I happened to listen to the Love Songs album last night and it is always good when you hear a different version of a song and the version of True Colours, taken from the Final Farewell Concert rehearsals is a really good version of this classic tune. It certainly took me back to two wonderful evenings I spent at the concert, one at Wembley and another, later that same year, at the Scottish NEC.

Interestingly on his DVD, The Long Goodnight, Phil mentions that the Scottish show did not receive good reviews. Having been to two and the sets were different I would certainly say that the Scottish was a poor comparison to the Wembley one – so perhaps the critics were fair?

On a different note the Bank Holiday weekend looms, the weather promises not be as hot as last weekend but hopefully the rain will hold off a bit for us all to enjoy the longer break.

May has been a great month for Caravans and we continue to drive ourselves forward as a business and niche insurer which is great.

Have a safe break if you are travelling away enjoy your caravan breaks!

Richard

Your first contact with insurance for static caravans may be when the site owner asks for proof of your insurance. Some site owners may push hard for you to purchase static caravan cover from them. However, they cannot insist that you buy insurance for static caravans from them, though may charge you a fee if you get your cover elsewhere. Still, you may wish to shop around to see what deals are available as you may still make savings on the cost of your static home insurance, even after you have paid the site owner his fee!

When you first start looking for a static caravan insurance quote, you may find that insurers may want to know the following things about you and your caravan before they can give you a price:

• the make, model and age of the caravan;
• where the caravan is located;
• the caravan’s security credentials; and
• whether the caravan is let out to non family members.

The answers to these questions help providers of insurance for static caravans to assess the risk of covering you and your property, and to come up with an appropriate price.

The price that is first quoted may not always be the lowest that the insurer can offer. If you are a member of a caravanning club, have various security measures attached to the caravan and have a no claims discount, you may find that the insurer may offer a more attractive deal for your individual needs.

What might the cover include?

Insurance for static caravans may typically include a structural and a contents element. From a structural point of view, the following risks may be covered:

• fire;
• explosion;
• storm;
• flood;
• earthquake;
• accidental damage;
• theft; and
• malicious damage.

While some of these risks may seem remote and unlikely, you may wish to compare the risks covered by different providers, to see who offers the most comprehensive cover for your requirements.

Do also note that the cover offered by static home insurance providers can vary, so always check what the cover entails. And look out for exclusions and any limitations too. For example, where an insurer covers malicious damage to your static caravan, if the damage was caused by someone who had your permission to be in the caravan, then that element of the cover would be excluded.

Finally, in addition to the structure of the caravan, you may also wish to consider the contents. The value of your possessions is key here, as some providers may typically impose a single article limit on value. Some may also insist that there was proof of forcible entry and exit between paying out for theft of contents, and others may only cover electrical equipment while in use under their insurance for static caravans.