Getting The Best Deal On Static Caravan Insurance
For many people, a static caravan is simply an investment
. It allows them to supplement their income by renting it out to others. For many others however, a static caravan is a home away from home. It's a place they can go to whenever they need a break.It's where they go in order to relax and to unwind. Of course most people would be devastated if they arrived at their second home, only to discover it's been ruined beyond repair, but they would feel even worse if they knew their home away from home was gone for good.
If for example, your static caravan got demolished by an up-rooted tree, it wouldn't only be the caravan which got destroyed, but in all likelihood, most of the contents would be gone as well. Unless you're very wealthy, you probably would be able to afford a new one, and this is why static caravan insurance can be worth its weight in gold. Also, one shouldn't forget that it's not only natural disasters which can destroy a static caravan, but instead, thieves and trouble makers can also cause thousands of pounds worth of damage.
How Much Will I Pay For Insurance?
This is a difficult question to answer because there are so many variables. With that said, much of it depends on the type of cover you choose. In other words if you have an old low-value static caravan, may be happy with a very basic level of cover, but if on the other hand you have a brand new luxury model, then you'll more than like want fully comprehensive cover which includes 'new for old'. This sort of policy means that your caravan would be replaced with a new one if yours ends up getting totally destroyed or damaged beyond repair.
The amount you pay for cover will also depend on the 'sum insured' amount you agreed on. This is essentially the maximum amount of money the insurance company will be willing to pay if a claim is made. The excess amount will also have a direct impact on the cost of static caravan insurance. The excess amount is an amount you agree to pay up-front if you ever need to claim.
Lastly, the cost of static caravan insurance can vary tremendously from one provider to the next. The more you shop around, and the more quotes you get, the more chance you have of finding a great deal. Also, just because you may have got a great deal last year from your current provider, you should still make a point of shopping around on a regular basis. Saving money is more important than loyalty when it comes to things like insurance. After all, you're not going to get any special treatment from an insurance company just because you've been with them for the last ten years.
Determine exactly how much cover you need, what sort of cover you need, and then go online and ask for static caravan insurance quotes. Once you have them, study the details carefully so you know exactly what you'll be getting for your money. Yes, it can all be a little time consuming, but then again, this is your second home we're talking about.
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