What to look for when buying static caravan insurance

As more and more Brits elect to to holiday in the UK, the popularity of static caravans is rising. 2009 research from Haven Holidays showed static caravan sales increased by 38 per cent over the summer months as Brits opted to take more breaks at home.

If you own a static caravan, it is important that you adequately protect your valuable asset. Keep reading to find out what to look for when you buy static caravan insurance.

Some important static caravan insurance information

When shopping around for static caravan insurance, it is important to arrange good quality theft protection. If you use your static caravan as a holiday home, there is a strong chance that you will leave it uninhabited for long periods at a time. And, your caravan may be situated in quite a remote area.

To ensure you are protected, it is recommended that you fit all the necessary security devices and locks that you can. You should also look for a static caravan insurance policy that covers your contents whilst you are not resident.

When shopping for cover, don’t forget to take into account how you plan to use the static caravan. If you are planning to rent it out during the year you need to make sure that your policy offers protection against flood, theft or other damage if it is not you that is living in the caravan at the time. If you don’t, you may find your insurance is invalid when you come to make a claim.

Also bear in mind that most static caravan insurance policies won’t cover you if you are living there as your permanent residence. When you approach an insurer, make sure you are honest about the usage.

Some key benefits of static caravan insurance

Does your static caravan insurance policy provide cover on a ‘new for old’ basis in the event of damage caused by fire or flood? If not, you should consider a policy that does. And, make sure that the cost of disconnecting services and transporting your static caravan to be repaired are also covered.

Most good quality policies will also provide a cash sum to enable you to pay for alternative accommodation if your static caravan is rendered uninhabitable. The loss of hiring charges can also be covered if you want to protect yourself against a booking being cancelled due to your holiday home being uninhabitable.

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