Getting a static caravan insurance quote

If you’re taking the first steps towards searching for a static caravan insurance quote, then you’re probably already more or less convinced of the benefits of good cover.

The question then is what might be worth thinking about in terms of the quote itself.

The price tag

Yes, price is important to all of us.

However, it’s worth keeping the price balanced against an assessment of what a policy is providing for you.

Going with the lowest cost policy may be fine if it meets your requirements but if it doesn’t, you may find you regret that decision in the event of a claim.

Contents

One of the things that may differentiate a static caravan from others such as tourer for example, is that it may contain a higher level of contents and fixtures. That’s because many owners understandably try to make it something of a home-away-from-home.

However, this may also have an effect on the values and nature of your insurance.

Some static caravan policies may offer a new-for-old replacement while others may only operate on a market-value basis. It’s potentially an important point that may make a lot of difference to the funds paid out in the event of a claim.

Public liability

It’s sometimes easy to overlook the fact that your caravan could, in certain circumstances, prove to be a significant financial liability for you.

That may happen if a third party is injured as a result of your caravan or their property suffers damage from the same source.

It might sound unlikely, but it can and does happen. If it happens to you then you may find yourself on the receiving end of a hefty legal claim.

Seeing what liability cover comes with your static caravan insurance quote might therefore be a sensible idea.

Your control

Some caravan insurance online may offer you the opportunity to influence the shape and, to some extent, the cost of your policy through things like discounts etc.

These may be applicable if you opt to take certain steps to improve your security such as fitting alarms and so on.

It is also important to note that you may be obliged to fulfil certain obligations as a condition of your cover – for example, to drain down your heating system before you shut up your caravan for the Winter.

The site owner’s insurance

Of course, you may have heard that there’s no pointing obtaining a static caravan insurance quote because the site owners will probably insist that you use their insurance.

That may have been relatively commonplace in the past but things are changing.

Many site owners now only insist that you have insurance – and they may have right to ask to see it. This may not be unreasonable of them as they may need to make sure it’s adequate.

Some may also ask for an administration fee if you do decide to use your own insurance but you may find that even if you do have to pay it, purchasing your own policy independently of the site owner may still save you money overall.

The quote

Your static caravan insurance quote could, potentially, be a very critical thing in your life. Making sure you get one that’s suitable is, therefore, highly advisable.