subject: Tips To Getting Static Caravan Insurance [print this page] Getting your caravan insured is important, because this type of cover is different than other vehicle insurance. Most of the time, companies that insure caravans will offer specific types of policies depending on the situation you are going to use your caravan for; this is how you should plan for your policy.
For example, an insurer may offer standard cover that takes care of both physical loss or damage to your caravan, including resetting or debris removal costs and cover for the contents of the caravan and for any sports equipment that may be included.
Why is it important to get cover for your caravan?
This type of cover is not going to be something that you can manage with your average car policy. You will need to have specialised cover that ensures not just your caravan, but the contents of the caravan, too. Caravan cover also usually includes protection for things like balconies, skirting, steps, etc. Most caravan cover also includes cover against fire, theft, landslide, other weather-related damage and any damage done to underground services.
If you only use your caravan occasionally, such as if you take on holiday in summer but leave it sit for the rest of the year, you will need specialised cover anyway, including cover for things that happen when you are not around.
Vandalism, malicious acts, storms and floods and incidental damage like burst pipes, are all covered under most of these types of policies. Do check to make sure that the policy you choose covers all of these things.
Getting static cover for your caravan:
The Internet has made it very easy to find the right static caravan cover for your situation. Do comparison quotes from different insurers and narrow down choices by including not only the type of cover you will need, but how you use your caravan, other items you want covered as part of the policy and so on. This sort of 'side-by-side' comparison will help you choose the best company.
The company you choose to provide caravan insurance should also have been in business for a long period of time, so that you know you are sure to receive the service you are entitled to should something happen to your caravan that makes payout of your insurance policy necessary.
You can research various insurance companies' reputations by typing each company name along with the word "review" or "complaint" into a search engine such as Google. This will show you any customer complaints a particular company has had and whether or not those complaints are something that happens often, or simply something whereby a customer was not satisfied with service but the company did nothing wrong. Narrow down your choices to those companies that have good reputations and service and then choose your static caravan cover based upon price and the options you desire.
Having the right static caravan insurance cover will give you peace of mind that your investment is covered both while you are using it and when it simply is sitting and waiting for the next holiday to be taken out on the road.
by: Neil Anderson
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