Static Caravan Insurance: Is It Law?
It might be clever to have static caravan insurance: but is it law
? Bizarrely, no which makes it all the more important that people who own statics operate off their own bat. The one thing they arent going to get, if they dont have the right kind of caravan insurance, is any money when the inevitable finally happens and someone breaks into it and nicks all their stuff. Nothing ruins that long-anticipated break in ones static home by the sea than arriving to find the door hanging off and the TV gone.The thing about static caravans is this: they have to be among the most vulnerable items of serious value anyone in the UK can own. A good static caravan, as anyone who has one will attest, is not a cheap thing to buy. In the most luxurious cases, they can cost as much as a small house. Yet hundreds of owners leave theirs unattended for around 90% of every year, without a shred of static caravan insurance to cover them.
The mind, as it often does when considering the intricacies of British behaviour, boggles. One wouldnt dream for a moment of leaving for a holiday without having insured the contents of ones house: so why on earth are people happy to leave their holiday home empty for months on end without insuring it against damage and theft? Caravan insurance isnt particularly expensive and its not even that hard to get hold of. One can only assume its a simple lack of information. To those who dont know, particularly first time owners, even thinking of finding out where to get static caravan insurance simply might not pop up on the radar. And why would it, unless the place where the van was bought, or the place in which it is sited, took the time to mention it?
Well, worry no more. Organisations like British born NACO has been expanding their remit broadly in the last couple of years, trying to educate the caravanning populace into purchasing the right caravan insurance for their needs. And it looks as though they are succeeding, with static insurance levels rising steadily by the month.
In case anyone is wondering, then, the basic points of insuring a static van: remember the static is a home. It stays in one place and it has things in it. Proper static caravan insurance takes this into account and is very much like a house insurance policy: insuring against fire; theft; weather damage; and so on. As such, a person needs to supply an inventory of the things that will live in the van (TV, microwave etc) as well as the usual information about location, access and so on. Its important to have thorough assessment of the actual state of the van, too. Like a health check before life insurance, a static needs to be examined for likely weather related problems before it can be covered by caravan insurance. Vans are extremely subject to damp and high wind damage get them checked by a third party before insuring.
Static caravan insurance is absolutely essential for peaceful van ownership. And with more information available now than ever before, theres no excuse not to. Get cracking!
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