subject: Make Sure You Buy Appropriate Static Caravan Insurance Cover [print this page] If you have got a caravan, you are going to need insurance for it. Do not make the mistake of not buying cover, even if you only use your caravan occasionally. That is because you will need cover in the event of damage when you are not using your caravan, as well as when you are using it.
Let's face it; caravans are expensive and if you have got one, you have put a lot of money into it. That is true, by the way, even if you buy an old "fixer-upper" and make it into a true show-piece. You will want to protect your investment with the proper cover.
Your insurance company may indeed offer caravan cover and may give you a price break on it if you have got other types of insurance, such as insurance for your home or car, through the same company. That said, you DO need specialised static caravan cover; traditional vehicle policies do not cover caravans.
Caravan cover includes possessions and devices on the interior of the caravan, as well as mechanical structures, balconies, skirting and steps. By the way, another way to save money if you buy static caravan cover is to make your caravan as safe as possible. For example, installing things like anti-theft devices (alarms) and smoke alarms will make you a lower risk and therefore may offer you a savings when it comes time to purchase your policy.
When you get your static caravan cover policy, though, do make sure you get the cover you need, even if this is a little more expensive. For example, "old for new" replacement means that the value of an item will be calculated based upon what it would cost to replace it with a new item, instead of for its current value. By getting "old for new" replacement clauses included in your policy, you are not going to be left short on cash if you should need to take advantage of your policy cover and replace something that is been damaged.
It's important to remember that even if you do not use your caravan a lot, as stated previously, you will need to get cover for it regardless. That is because your policy should cover damage that may occur when you are not using your caravan, such as damage that occurs because of frozen water pipes, vandalism, or bad weather.
You can research your static caravan insurance policy by going online. Again, do check with your current insurer to see if you can save some money on a static caravan policy by combining it with other policies from the same insurer.
In addition, go online and do price comparisons with other static caravan insurance policies, to make sure you get the best cover for the lowest price. Some insurers will also offer you a price savings if you buy your policy online, so that is another option to consider. Finally, do consider insurance companies' reputations, amount of in business and level of customer satisfaction as you buy your policy. You will want a good company with a good solid track record when it comes to claim service, so that you are not left "in the cold" if you should need to file a claim.
by: Neil Anderson
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