When looking for insurance for static caravan compare what the benefits of the policy are along with the cost of the cover. Usually policies cover roughly the same and provide the same benefits; however, with some insurance providers you may be able to get more for your money than with others providers.
Caravan insurance for your static caravan usually provides protection against theft, fire, vandalism and storm damage. Generally, the policy provides cover for your personal belongings and other equipment, any aerials on the roof, awnings, steps and contents of your freezer. If you have a patio surrounding your caravan with decking and fencing you may want to check with the provider to find out if the insurance policy provides cover for these too. There is generally a limit as to how much you are able to claim on the insurance policy for single items such as electrical equipment, contents of your freezer and awnings and awnings may or may not be protected for storm damage.
If you are taking out an insurance policy that has new for old in the policy then you do have to reach a figure as to how much to insure your caravan for. With new for old if you were to lose your caravan due to a fire or storm damage you get it replaced with a brand new model. Usually this also extends to clearing the site and making it safe.
Very often owners of static caravans rent out their van when they themselves are not using it. If you rely on rental income from your caravan, you may want to check if your insurance policy covers a loss of rental income. If it does you may be able to claim back a loss of income if your caravan is damaged and you are unable to rent it out whilst repairs are taking placing.
When comparing insurance for static caravan you generally have to have liability insurance included in the insurance, especially if you are going to rent out the caravan. Liability insurance protects you in the event that a third party were to suffer injury or death whilst staying in your caravan. Site managers may insist that you have some form of liability insurance.
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Roger is a writer http://www.caravaninsurance.org where you can compare rates for your insurance for static caravan s as well as take advantage of some excellent policy features. |