Static Caravan Insurance; Everything you need to know

With so many things to think about when you own a caravan, it can be easy to forget about insurance. But it is a essential aspect of caravan ownership. In this article, we will cover everything you need to know about static caravan insurance, what it is and what it covers.

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What is static caravan insurance?

When it comes to holiday homes, static caravans are becoming increasingly popular. If you’re thinking of buying a static caravan, or you already have one, you’ll need to make sure you have the right insurance in place.
Static caravan insurance is a type of insurance specifically designed for holiday homes. It covers your caravan against damage and theft, as well as providing liability cover if someone is injured while on your property.
One of the most important things to remember about static caravan insurance is that it’s not the same as home insurance. Home insurance policies typically exclude cover for holiday homes, so it’s important to make sure you have the right policy in place.
When shopping around for static caravan insurance, it’s important to compare different policies and make sure you’re getting the right cover for your needs. Some things to look out for include:

• The level of cover: Make sure you’re getting enough cover to protect your investment.
• The excess: This is the amount you’ll need to pay if you make a claim. The higher the excess, the lower the premium, so it’s important to understand the terms and conditions of the insurance policy you choose.

What does static caravan insurance cover?

There are a number of things that static caravan insurance will cover. This includes: accidental damage, fire, theft, storm damage, water damage and vandalism. It is important to make sure that you are fully covered so that you can enjoy your holiday without any worries.

Coverage can include:

Static caravan contents cover. A static caravan’s permanent fixtures and fittings are included in its insurance coverage. In addition, items such as non-permanent furniture such as ornaments and lamps and items such as TVs and cooking appliances are covered.

Storm cover

If the weather turns rough, you can arrange an insurance policy for your static caravan or leisure home against storm damage, excluding frost damage. Also covered are decking, outside furniture, and verandas, but not hedges, gates, or fences, which are located on the pitch boundary.

Re-siting costs

Your policy covers the cost of removing debris, reinstalling utilities in a new caravan, and any site fees if your property is damaged beyond repair.

Renting out your static caravan

You can select additional cover if you rent or let out your static caravan when you’re not using it. You will be protected against stolen items, accidental damage, or malicious damage to the caravan whilst leased or lent, which is typically not covered under your standard insurance policy.

New for old replacements available

If your property is under 20 years old, you may choose to select new for old cover when purchasing a policy. In addition, if your caravan is damaged beyond repair, if you choose a new for old policy, you will receive a replacement caravan of equal or greater value.

Flood cover

You are unlikely to be able to obtain static caravan insurance that covers flood damage if you live in a flood-prone area. However, some companies offer static caravan policies with flood insurance cover included as part of the standard package. Depending on how much flood risk you are exposed to, the pricing of your premium may differ, or you may be required to meet additional terms like a higher excess or/and to have flotation devices.

Winter protection

If you turn off the water supply in your caravan before you leave for the colder months and drain it away correctly, you will be covered should any damage occur due to frost and freezing.
Keys and locks. – In the event of a loss or theft of your keys, you will be covered by replacing the external locks on your static caravan.

Do I need static caravan insurance?

If you own a static caravan, then you are most likely aware of the importance of having insurance. Static caravan insurance is not a legal requirement, but it is highly recommended. There are many things that can go wrong with a static caravan, and if you are not insured, then you could be left with a huge bill.

There are a few different types of static caravan insurance, so it is important to make sure that you get the right policy for your needs. The most basic type of insurance will cover you for theft, fire and vandalism. This is the minimum level of cover that you should consider, as it will protect you from the most common risks.

If you want comprehensive cover, then you should look for a policy that also covers accidental damage. This will protect you from any accidents that might happen to your caravan, such as water leaks or broken windows. It is worth paying a little extra for this cover, as it could save you a lot of money in the long run.

Static caravan insurance can be relatively cheap, especially if you compare prices from different providers. It is always worth shopping around to make sure that you are getting the best deal possible. Remember to read the small print carefully before buying

What is an excess?

Your excess is the amount required to be paid by you if you need to make a claim. This amount will be deducted from your payment once the claim has been settled. Excess is categorized into two types, i.e., a standard excess and a voluntary excess. The standard excess is the amount set by your insurance company. In contrast, voluntary excesses are the extra amounts from the settlement that you choose to contribute or sacrifice as an additional contribution to the final settlement.

How much does static caravan insurance cost?

The cost of static caravan insurance will vary depending on a number of factors, such as the value of your caravan, its location and the level of cover you require. However, it is possible to get an idea of how much you might expect to pay for static caravan insurance by using an online quote tool.

How to get static caravan insurance quotes?

If you are looking for static caravan insurance quotes, there are a few things you need to know. First, you need to make sure that you are getting quotes from reputable companies. There are many companies that will offer static caravan insurance, but not all of them are created equal. You need to make sure that you are getting quotes from companies that have a good reputation. It is also important that the companies have been in business for a while.

The next thing you need to do is get quotes from several different companies. This way, you can compare the rates and see which company offers the best deal. Make sure to get quotes for both comprehensive and third party insurance. Also, make sure to get quotes for different levels of coverage. This way, you can make sure that you are getting the coverage you need at the best price possible.

Finally, when you are comparing static caravan insurance quotes, make sure to take into account any discounts that may be available. For instance, Towergate Insurance offers discounts for things like having multiple vehicles insured with them or for having a good driving record. If you take advantage of these discounts, you can save even more money on your premium.

The different types of static caravan insurance

There are three main types of static caravan insurance: comprehensive, third party fire and theft, and third party only.

Comprehensive static caravan insurance is the most comprehensive type of cover. This is obviously the most expensive. This type of policy will cover you for any damage to your caravan. It will also cover any third party damage or injury that may occur as a result of your use of the caravan.

Third party fire and theft static caravan insurance is a less comprehensive form of cover. However, it is still significantly cheaper than comprehensive cover. This type of policy will only cover you for damage caused by fire or theft to your caravan. It covers any third party damage or injury that may occur as a result of your use of the caravan. It will not cover you for any other type of damage to your caravan.

Third party only static caravan insurance is the cheapest and most basic form of cover available. This policy covers you for third party damage or injury that occurs as a result of using the caravan. It will not cover you for any damage to your own caravan.

Static caravan insurance exclusions

Fences and hedges

This is a question often asked by customers who purchase static caravan insurance. Unfortunately, many insurance companies do not cover fences blown over by storms or hedges damaged by debris. However, the decking or veranda of your static caravan will be covered, provided they are included in your sums insured.

Damage by domestic pets/vermin

Static caravan insurers generally do not cover damage caused by pets. In the same way, damage by vermin infestation won’t not be covered.

Frost damage whilst unoccupied

When your leisure home is unoccupied (72 hours or longer), you must shut off the water at the mains. This will prevent damage to pipes and plumbing installations. All systems and equipment must be fully and correctly drained down. Self-contained central heating systems containing antifreeze installed by professionals and maintained according to manufacturer specifications are an exception. Boilers, fixed heating, and water installations older than ten years are not covered.

Accidental damage caused by tenants

Your static caravan is not covered for malicious or accidental damage during leasing or renting. But you can purchase additional Hiring Out coverage. This does cover malicious damage, accidental damage, and theft during leasing or renting.

Landslip, ground heave and subsidence

Most insurance policies cover you in case of damages caused by a land movement.

Conclusion

Static caravan insurance is an important consideration for any caravan owner. Most importantly it protects your investment. But also giving you peace of mind in knowing that you are covered should something happen to your caravan. We hope that this article has given you everything you need to know about static caravan insurance. Hopefully, you will now be able to make an informed decision when it comes to insuring your caravan. For static caravan insurance you can go directly to Towergate’s website here.