Static caravan insurance offers cover for owners of static holiday caravans and for owners of residential static caravans. However, there are considerable differences between the cover on offer. Therefore, it is sensible to double check that you are buying the right type of cover.
What Is Covered by Typical Static Caravan Insurance
It is also important to check exactly what is being covered before buying static caravan insurance. Not all policies are the same. Some miss certain things out or do not offer a very high level of cover for each eventuality.
A good policy will cover the cost of replacing your caravan in the event of a fire. They will also cover the loss of a caravan due to flood. In the event that the entire caravan is not lost, a good policy will still cover the loss of or damage to fixtures and fittings like fridges, furniture and ovens.The best policies offer replacement as new. However, it is important to understand the exact terms and conditions of this element of the insurance.
If your caravan is being moved or is likely to need moving it is important to check that any damage or loss that occurs at this time is covered. It is a good idea to have some public liability insurance too.
What Static Caravan Insurance May Not Cover
If you are planning to rent your static out, as a holiday home there is a chance you will have to buy additional insurance. Most static caravan insurance policies do not have an adequate level of cover for this scenario. If a holidaymaker should have an accident whilst staying in your caravan you could find yourself with a big bill for damages, which you have to pay in full. If you are renting out your caravan, it is wise to check if a loss of use and hiring element comes within the cover you buy. That way if damage prevents you from hiring out your caravan you can claim an element of compensation for lost rent.
If you are looking for static caravan insurance visit the Look Insurance Services website.
