Static caravans are much more vulnerable to storm, flood damage and break-in than a house or a touring caravan because they are often left unattended for long periods of time.
Your static caravan should be locked and have an alarm activated when it is not in use and, if it is going to be left unoccupied for a period of time then you should drain down all tanks and water systems, to avoid frozen pipes.
Whilst it is always a good idea to take these precautions, it is also critically important to have the right static caravan insurance in place.
Indeed, many residential parks may insist that you have a certain level of public liability insurance, so check and make sure your policy has enough cover.
In addition, when arranging your static caravan insurance here are a few questions to ask which will help you ensure all the details you require will be included in the policy:
- Does the policy include a ‘new for old’ option and does this have an age limit?
- Does the policy fully cover me for any damage to the structure of my caravan and the site pitch?
- If the worst should happen and I am left with a damaged static caravan that is uninhabitable will the insurance cover me for debris removal and the re-siting of the caravan?
- Will the cost of any emergency accommodation be covered?
- What fixtures, fittings and content items are covered by the policy?
- Is there lock replacement cover in case of a break-in or lost keys?
- Am I covered for any accidental damage such as fire, falling trees, frost or water damage?
- Am I covered for any damage by animals such as pets, wild animals and vermin?
- Are any other sundries covered, such as loss of freezer foods?
- If I find myself in a dispute will my legal fees be covered?
- What is the excess on the policy?
When arranging your static caravan insurance, as it the case with any insurance, take time to shop around for the best content and the best price. It is also a good idea to see if companies will match or better quotes.
Here at Caravan Talk, you’ll find that lots of our members have a great deal of specialist knowledge about motorhomes and caravans. If you are not yet a member why not join today and tap into the wide range of expertise available on our forum?