Is it worthwhile to compare static caravan insurance quotes?

If your site owner is one of those who tries to convince you to buy your static caravan insurance on-site from them, then you may wonder if it is worthwhile to go through the motions and compare static caravan insurance quotes.

Compare quotes

The fact is that, contrary to what some static site owners may have you believe, in most cases you are under no obligation to buy static caravan cover from them. You do have the option to buy your own static home cover elsewhere.

Even if the site owners charge you a fee for having to administer your policy, you may find that the time taken to compare static caravan insurance quotes represents time well spent because even with the fee added on, you may still have found more cost-effective static caravan cover.

This can only be good news if you are keen, like everyone when times are difficult, to avoid unnecessary spending.

Discounts may be available

Of course, when you compare static caravan cover quotes there are other features to look at apart from just the price – important to you as that may be.

You may find, for example, that there are policies that may offer discounts if:

• you are a member of a caravan club or association;
• you over winter your caravan on a CaSSOA site;
• you avoid locating your caravan on sites with a history of flooding;
• you opt for a site where there is 24 hour supervision.

The cover offered

Given the amount of money you may have spent on your static, one of the most important aspects of caravan cover for you may be the new for old replacement criteria attached to your policy.

This may differ quite significantly from policy to policy:

• if you have owned your static from new, then with some providers, caravans up to 5 years old may qualify for new replacement;
• if your caravan was pre-owned then the age limit may reduce to 3 years.

Protecting your caravan contents may also be important to you, particularly if you have high specification electrical items in your static home. When you compare static caravan insurance quotes, you may see that some policies may offer unrealistically low levels of cover that may not be appropriate for your belongings.