What to look for in a static caravan insurance quote

A static caravan insurance quote on its own may not be the best way to go about getting insurance cover for your static. It may make more sense to get a couple of quotes so that you can compare what’s on offer and get an appropriate policy for your situation.

Choice is key

In the past, you may have bought your static caravan insurance from your site owner. Perhaps they asked you to do so or it may just have been the most convenient option for you. Some owners may even have tried to give you the impression that you really had no option but to buy your caravan insurance from them.

For whatever the reason, with this ‘no choice’ approach, you may not have ended up with the most appropriate static caravan insurance cover for your own particular set of circumstances.

You may also have paid more than you had to because, as with many other facets of life, you may typically be able to get a better deal if you have choice.

Of course, all caravanners and caravans are different, so what’s best for you may not be best for someone else. Unless you can compare what’s on offer though, you may not know what you’re missing.

For example, there are static caravan insurance policies which may offer discounts if you:

• opt to use a site which has a good history of being flood free;
• fit secure locks on doors and windows;
• use a site which has around the clock supervision in place;
• belong to a caravan club or association.

Terms and conditions are important

Not all static caravan insurance offers the same arrangements for the replacement of your caravan if it is damaged by an insured event beyond the point where repair is feasible.

Some may offer new for old replacement for caravans under three years old but on condition that you have been the only owner from new. With another static caravan insurance quote, on the other hand, you may typically find that there are no restrictions on the number of previous owners.

Remember too that the terms and conditions of static cover may be different for each static caravan insurance quote, so having a quick look at these may typically make sense.

You may find, for example, that some policies:

• may require that you drain down water systems when your static is not in use;
• ask that you stow your awning when you leave your caravan to help reduce the chances that the awning is damaged by a sudden storm.

A static caravan insurance quote can help you ensure that your deal makes sense for you rather than the site owner.