The Importance Of Having Caravan Insurance
For some obscure reason, many people who own static caravans feel that they don't really need to have the caravan insured
. Of course most people who purchase a static caravan use it simply as a holiday home for a few weeks each year and for the remainder of the year they have no idea as to what could be happening to their valuable asset.Considering that you can find very affordable insurance in the UK for a static caravan, it just doesn't make sense why anyone would want all that unnecessary worry when in fact you can have complete peace of mind.
Many people who choose to go without caravan insurance argue that there caravan is parked at a secure site and that there's very little chance of it being broken into or vandalised.
Nobody is disputing this fact, but you need to bear in mind that your caravan can still end up getting damaged due to a number of other courses. For example, it could develop a leak in the roof and with the amount of rain we get in the UK, it won't take long before the interior is severely damaged.
Obviously if you have a new or relatively new caravan then there's not much chance of the roof leaking, but no matter how new your caravan is, it's not strong enough to withstand the impact of a falling branch from a nearby tree. There's even a certain amount of risk regarding fires, so the question still remains, why take chances?
Even though many caravan owners don't believe their static caravan will never get broken into, statistics tell us a very different story. In fact, static caravans are frequently targeted by thieves because so many of them have no form of deterrent in place at all. Surprisingly enough, practically everyone nowadays has an alarm system fitted in their homes and yet very few have such systems fitted in their caravans.
If you only have a few pots and pans then there is not much of value and as such you may not be overly concerned. On the other hand, your caravan may be fully kitted out with all the latest gadgets and appliances, none of which are cheap to replace. If you have caravan insurance and the policy includes cover for the contents, then at least you'll have peace of mind in knowing that your insurance company is going to fit the bill should you arrive at your caravan only to find it completely bare.
So far we've only looked at how this insurance can protect you in a scenario where your static caravan is left unattended for most of the year. You also need to consider all the different risks should you decide to rent your caravan out when you're not using it yourself. After all, you could rent it out to a group of people who couldn't care less about looking after it, in which case you could arrive to find your precious holiday home wrecked and with no trace of the culprits. Here again, if you have insurance in place you won't have anything to worry about.
When you consider just how much a caravan costs nowadays, the cost of caravan insurance is negligible by comparison. Rather than wait until it's too late, you should seriously consider getting a few quotes from different providers, because providing you're willing to shop around you will certainly be able to find affordable cover.
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