Static Caravan Insurance

More and more Britons are choosing to holiday in the UK and so the popularity of static caravans is rising. Recent research from Haven Holidays showed an increase in sales of static caravans of 38 per cent over the summer months of 2009 as Brits opted to take more breaks at home. As with any major asset, it is vital that you adequately protect your holiday home and so it is vital to find the right static caravan insurance.

What to look for in static caravan insurance

One of the main risks you should insure yourself against is theft. If you are using your static caravan as a holiday home, the chances are it will be left uninhabited for long periods at a time. It may also be situated in quite a remote area.

You should therefore look for an insurance policy that covers your contents whilst you are not resident in the caravan. Make sure also that you have all the necessary security devices and locks that your insurance policy demands.

You should also consider how you plan to use the static caravan. If you are planning to rent it out during the year, you need to ensure that your insurance provides protection against theft, flood or other damage even if it’s not you that is living in the caravan at the time. If you don’t, you may find your insurance is invalid if it is not you living in the caravan at the time of a claim.

Most policies won’t cover you if you are living in the caravan as your permanent residence. Make sure you are specific with the usage and select the most appropriate cover.

Benefits of static caravan insurance

Good quality static caravan insurance can offer you all the peace of mind that your holiday home is protected. For example, caravans are generally covered on a ‘new for old’ basis in the event of damage caused by fire or flood. The cost of disconnecting services and transporting your static caravan to be repaired are also covered.

Most policies also include cover which provides a cash sum for you to pay for alternative accommodation if your static caravan is rendered uninhabitable. The loss of hiring charges can also be covered to protect you if a booking you had taken for the caravan has to be cancelled due to it being uninhabitable.

Your contents can be covered against theft or accidental damage and most policies also provide a high sum of third party liability insurance cover.