There are two ways you can think about a static caravan insurance quote:

• after a problem has arisen – when you’re furiously mentally kicking yourself for not having suitable static caravan insurance in place or;
• in advance when you’re thinking in a relaxed way about your caravan insurance.

Why is caravan cover insurance important?

If you have a problem with your static caravan, it may come into one of two categories:

• someone is suing you for injuries or damages they’ve sustained as a result of your caravan (often called third party public liability);
• your caravan has been damaged or had items stolen from it.

In either case, the costs hitting your bank balance may be large – perhaps even staggering.

That is why static caravan insurance (as well as other forms of caravan insurance) exist – to help protect you against some or all of these types of costs.

What exactly is a static caravan?

The exact definitions may vary slightly between insurance providers but you can think of them as being caravans that are permanently in-place on a site even though they may be technically mobile.

Some insurance companies may insist that to qualify for caravan insurance cover, a static caravan must be:

• parked on a formal site;
• connected to certain services;
• secured to the ground by methods other than the wheels exclusively;
• not permanently occupied (in which case it would qualify as a park home and require a special park home insurance policy).

What does a static caravan insurance quote exclude?

That can only be ascertained with certainty by examining the detail of the quote to see if it is suitable for your needs:

• you may find that renting your static out for holiday usage requires additional insurance protection;
• some policies may not cover site locations that have a history of flooding;
• under the terms of your static home cover, you may be obliged to drain down water systems when the caravan is closed up for the winter.

Can the static caravan insurance quote be reduced?

Typically yes – if you take certain actions.

Fitting special locks, bolts and alarms may reduce burglary risks and therefore earn you a discount.

Some insurance providers may also offer reductions for policyholders who accept a higher excess on the policy. There may also be no-claims discounts in some cases so making frequent small-value claims may not be advisable.

Protecting your money

So, if you are looking for insurance for a static home, then getting a static caravan insurance quote through our site – or over the telephone – may lead to more suitable protection – and that may help you relax just a little more readily when you’re enjoying yourself on holiday!

Most of us want to get the most competitively-priced deal around and getting a static caravan insurance quote is no different. So, what do you need to know in order to find a suitable deal – one that gives you the cover you want and at a price that suits your budget?

Firstly, understanding how static home insurers calculate your premium may give you an insight.

How do insurers price their cover?

The location of the static caravan site may be an important factor in the price insurers may quote. For instance, caravan insurers may use the postcode of the static caravan site to assess its risk of being criminally damaged, or suffering from flooding. Some sites are better managed than others, and insurers keep track of those that generate more claims.

Your static caravan quote may also depend on the make, model and age of the van, as this has a bearing on the cost of the insurance.

Are there any discounts available?

Once you have collected a number of quotes together, it may be worth asking if there are any discounts available. Are you a member of a caravanning club? In addition to giving useful tips about your hobby and being a possible way to make new friends, club membership may have other uses. Caravanning clubs can typically negotiate discounts for their members with some insurers.

If you put your safety concerns about your caravan into practice and fit additional security measures (like locks and alarms for example), you may find that insurers may offer discounts for your static caravan insurance quote.

What does caravan insurance cover?

For the contents side of things, the cover may not extend to items of very high value, as many insurers may place a limit on single item claims. If this is of concern, it may be worth contacting the insurer with your specific enquiries.

Regarding the structure of the caravan, your static caravan insurance quote may deal with the following insured risks, though policy features and benefits do vary among providers, so always check what the cover entails:

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

Do not forget to inform an insurer if you hire out the caravan to non family members, as this is an activity that may be regarded by them as more risky when you are getting a static caravan insurance quote.

Finally, has your site owner tried to insist that you take out caravan cover with him? Some site owners make it difficult for static caravan owners to take out insurance elsewhere, believing that they automatically have the right to your business. However, this is not the case. Despite the fact that some site owners may seek to charge you a fee for getting cover elsewhere, there is nothing to stop you from getting a static caravan insurance quote from another provider. You may still find that you get more attractively-priced cover, even after you’ve paid the site owner his fee!

When you receive a static caravan insurance quote, no doubt the first thing you look at is the price. In a challenging economic climate, affordability is key. But there is no point in getting the cheapest policy if it does not fit your needs.

You may wish to find cover for the structure of your static caravan that includes the basic risks like damage caused by fire, explosion, theft or attempted theft, accidental loss or damage and natural disasters like storms and floods.

Depending on the location where your static caravan is kept, you may find that the price is cheaper if the park is in a low flood risk area. Likewise if the park is in an area that benefits from low crime rates, your static caravan insurance quote could be lower to reflect the reduced risk.

Some of our customers are surprised that alternative holiday accommodation is included in our static caravan insurance quotes. But we appreciate that for many people staying in their caravan is a really important holiday, and without it they may not be able to afford to take a break. Our cover extends to alternative accommodation if you caravan is destroyed by an insured risk while you are staying in it.

It is important to understand the common exclusions in static caravan cover, so that you comprehend the nature of your rights and responsibilities. Most insurers expect caravan owners to maintain their holiday homes to a proper standard, as damage caused by damp and rot are not covered. Additionally whilst your cover is likely to continue throughout the year, it is necessary to take reasonable precautions like draining the heating system to avoid winter related damage.

Most caravan owners are keen to keep their property safe from thieves, but did you know that your vigilance can be rewarded in your static caravan insurance quote? If you have installed window and door locks, discounts may be available as insurers appreciate your efforts to minimise the risk of theft.

Other discounts may be available for no claims bonuses and membership of a caravanning club, as these items imply that you are a conscientious caravan owner. Why get a quote or telephone our helpline for more details of the competitively-priced deals we have available?

We offer a professional and efficient service, from the moment that you get your static caravan insurance quote to the moment you renew. We hope that you will never have to make a claim, but if you do, you will find that our UK based staff are well versed in the challenges of the leisure and tourism industry, and will sympathise with your concerns while sorting out your problem.