What To Look For While Buying Static Caravan Insurance?

Owning a static caravan is a luxury that few can afford but it also entails added responsibility to ensure you have adequately protected your assets. To best protect your static caravan from burglaries, natural disasters, vandalism or fire, select comprehensive caravan insurance for any calamity. The biggest mistake that people make while selecting a solid insurance is saving on the cost of the insurance. Here is a complied list of factors that needs to be considered when you shop for a reliable insurance:

Total Caravan Cover

Mostly there are only two basic types of coverage available. The first one is considered to be ‘market value’ coverage that gives you the market equivalent of the caravan’s cost if your caravan is destroyed beyond repair. The other type is ‘new for old’ insurance cover which makes sure that instead of money you get a brand new caravan if your insured caravan is destroyed depending on the value of the existing caravan price. If you actually compare the two types of policies in detail, there isn’t much difference in the cost to you.

Insuring Interiors and Contents

Most modern caravans come equipped with appliances and gadgets that have become a part of daily life. However, you need to safeguard them against fires and damages. Most policies do not cover the contents inside and is a major point of concern if you have furnished the caravan with a few thousand pounds worth of furnishings.

Storm, Theft and Vandalism

You need to know that not all policies cover damages due to storms but you’ll need to specify and get it added. The weather is unpredictable and it is best to have comprehensive policy coverage in case an uprooted tree falls on your caravan or frozen pipes burst during winters causing damages worth hundreds of pounds. Additionally securing your static caravan from theft is essential as these are easy targets and are not inhabited all through the year while the household goods it contains are expensive.
It is best to compare and save on your insurance policy so research it well before you start shopping.

By: Jason Tate

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