Pointers to compare static caravan insurance

Trying to compare static caravan insurance is an activity that you may well periodically undertake.

After all, virtually everybody wants to know that they’re getting a suitable and cost-effective solution and it’s not easy to be sure of that unless you compare static caravan insurance policies.

Here are a few thoughts that may help.

• Look at the discounts

Unless you’re very fortunate, you probably have to watch the pennies. Some policies may be able to offer you the chance to save money by doing things that are in your interests as well as those of the insurers.

That may include things such as joining a caravan or owners’ club, only using approved static caravan sites, fitting additional security devices (above those which you are obliged to use as part of your caravan cover) and formally and securely storing your caravan over winter.

Those discounts (or the lack of them) may make a significant difference to how much you’re spending.

• Note the conditions

Insurers often see things differently to each other. That means that typically they’ll also have policies with different conditions and requirements of the policyholder.

These conditions are rarely particularly demanding but compliance with them is necessary if you’re to avoid putting your cover at risk.

It’s a good idea to check these when trying to compare static caravan insurance to be certain that they’re equally acceptable to you.

• Watch out for flood zones

As worries about global warming increase, some insurers are becoming increasingly worried about static caravans located in areas prone to flooding.

You may find that there are special clauses and conditions (perhaps also costs) arising on some policies.

• Contents cover

Some policies may have lower maximum payout levels than others or may only offer market value replacement rather than new-for-old.

This may make a big difference to you in the event of a claim.

• Days’ usage

A static caravan is not a park home and is typically only occupied for a number of days, weeks or months per year for holiday purposes.

Some policies may specify the maximum occupancy period.

• Winter close-downs

Some policies may understandably demand that you take certain preventative measures before the winter arrives in order to protect your static home.

These may include things such as draining down water systems or making special anchoring arrangements.

These conditions may vary between insurance providers.

• Service

Finally, don’t forget that not all insurers offer identical customer service arrangements.

For example, if you enjoy speaking to someone rather than using the internet exclusively, then you may be looking for a customer service centre such as ours that is available via the telephone and the internet.

Finally, price is also a factor of course! However, to compare static caravan insurance most effectively might entail focusing on the cover provided and your needs first, then thinking about cost comparisons second.