Static Caravan Insurance - Tips, Help and Advice on checking out an appropriate Caravan Insurance Deal

Static Caravan Insurance - Tips, Help and Advice on checking out an appropriate Caravan Insurance Deal

Here long standing park manageress Judy Weight with 27 years experience answers some typical questions regarding caravan insurance.

Can we economize by not removing caravan insurance cover?

We would not advise it! Not only does one risk losing the contents but also your complete static caravan holiday home, with nothing to point out for all of your diligence and expense to get it within the first place! For the sake of paying £250 - £300 a year on a "New for Old" static caravan policy which guarantees that you simply get a get a fresh static caravan should the worst happen it's simply not worthwhile . Admittedly, statistics indicate that the bulk of individuals don't got to claim on their policy , but what happens if you switch bent be one among the exceptions? At the very leat paying an premium gives you peace of mind.

Does caravan insurance cover you against every risk?

Yes and no! It pays to see the wording on your policy. "Market value only" caravan insurance can leave you high and dry during a total loss claim as you'd only receive what your caravan is worth today, which in most instances isn't enough for you to get another static caravan and continue living the caravanning lifestyle you enjoy. We insure our caravanners on a "New for Old" static caravan policy basis which covers against total loss, fire, theft, storm, flood, escape of oil or water, impact, subsidence, vandalism and terrorism. For the additional £20 a year this policy costs it's well worthwhile within the sense that it's calculated on the dimensions of your static caravan instead of the year. Meaning that no matter the age and current market price of your 35 x 12 foot static caravan, for instance purposes; during a total loss claim your insurance would disburse a minimum of £18,000.

Does the caravan policy cover the entire cost of replacing everything?

Not quite. within the event of a claim, your policy pays out the sum you had already agreed less any excess you agreed to pay. Like automobile insurance , the quantity of excess you comply with pay the lower your yearly insurance premiums. Taking the instance above, our New for old premium on a 35 x 12 foot static caravan with a complete loss payout of £18,000 and £50 excess costs £275.

Where am i able to get the simplest static caravan insurance deals?

Just like automobile insurance , it pays to buy around, and therefore the easiest and most time effective way of doing this is often via the web . Simply get several quotations and compare them. confirm that you simply are comparing like with like mind, by entering precisely the same information and having an equivalent policy for each quote.

Are we at any risk of being caught out when making a claim?

The best thanks to avoid any hassle is to travel under your caravan holiday home parks block insurance scheme. Not only because there's safety in numbers but because they're going to lookout of all the paperwork and administration for you and type out your claim should the more severe happen.

If you're taking out your own policy then this may only really happen if you've got underestimated the worth of your policy. Be open and honest when filling out your form, concealing relevant information may make the policy void within the event of a claim and as tempting as paying £20 less premium annually may be; choose "new for old" caravan insurance cover if you do not want to finish up with a payout which represents a fraction of the value of a replacement replacement. To get on the safe side, specify accidental damage cover, especially if you've got young children .