Having your own static caravan can be an awesome investment and a great way to spend your holidays. Whenever you want to take some time out and relax, you won’t have to worry about booking hotels, you can just head to your home away from home. A perfectly situated static caravan can be a wonderful place for your family to build lasting memories.
However, it is very important to consider insuring your static caravan so that your holiday home will be protected. Static caravans are actually much more vulnerable to problems such as flood and storm damage and break-ins than a house or a portable caravan because they are usually left unoccupied for long periods of time.
If you are going to leave your static caravan empty for any amount of time, it should have a good lock system and an alarm. You might also want to drain all of the water systems and tanks in order to avoid frozen pipes and flooding while you are gone.
The right insurance can protect you if someone goes wrong with your caravan, so that you can be compensated. It is very important to have this and sometimes the residential park might insist that you have a certain level of insurance. Take the time to look at all of the different policies that are available, as there are many to choose from and it is important to find one that meets the needs for you and the caravan.
So how can you choose the right insurance for your caravan? Here are some of the factors that you should consider when selecting your policy:
It is also a good idea to examine the policy carefully and find out which fittings, fixtures and content items are covered by the insurance policy. If your caravan gets broken into or you lose your keys, are you covered for lock replacements?
It is also very important to have cover against theft for your static caravan, because it will be left uninhabited for significant periods of time. Caravans are a popular target for thieves, so even if you have a lock and an alarm system you should also still have insurance coverage for theft.
If for some reason you ever get into a legal dispute as a result of owning your caravan, will your insurance cover you for your legal fees? What are the situations that the insurance will cover – will they suit your circumstances?
There is a good chance that you will have lots of valuable items in your caravan, including DVD players, consoles, radios, TV’s, artwork, furniture and other items that you would use during your stay.
Your household contents insurance might cover some of these items, but usually it will not cover items that are purchased specifically for use in your caravan. It is crucial to make sure that these items are insured as well, in case your caravan is broken into. Take the time to find an insurance policy that includes all of the possessions within your caravan too.
Make sure that you take the time to look around for the best possible insurance policy to meet your needs. There are many different options available, so you can compare the many choices and find the company that will offer you the best possible static caravan insurance coverage at the ideal price. Don’t be afraid to ask different companies whether or not they will be able to match or beat quotes.
It is worth contacting your caravan club to find out if they have discounts with certain insurers that their members can benefit from. If you are not a member of a club, you might find that it is worth it for the savings and the benefits that membership brings so make sure to take a look.
There are some many different insurance companies offering all sorts of perks and different options it can be difficult to find the one for you that suits all your needs. When you do find the right insurance policy you will be able to relax and have peace of mind, when you are staying at your caravan and when you are leaving it vacant. The insurance will protect you, no matter what happens.