Caravan insurance static cover for peace of mind
Posted by Guest on March 11th, 2010
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Caravan insurance static cover is insurance aimed at people who have a static home. It generally offers protection against a number of events, such as:
Explosion, storm damage, fire, earthquakes, flooding, or strike by lightning;
damage or loss that is classed as accidental;
criminal acts or vandalism;
the attempted theft or actual theft;
loss of rental income that comes about through an insured event.
As you can see, it can offer reassurance that no matter what happens, your static caravan will be covered against the unexpected. However, you should note that as with all insurance of any types there will be exclusions (these are things which are not covered) as well as obligations you will need to fulfil order to keep the cover in force. With this in mind always ensure that you know what protection the policy offers and what it does not and also what precautions you may have to take as the owner.
Exclusions
When it comes to exclusions, these may be things including:
damage caused by pets;
theft or attempted theft where these is no evidence of forcible and violent entry or exit to or from your caravan;
theft, loss or damage to garden fences and outbuildings;
the awning if it is damaged by a storm while you are away from your caravan;
if you live in the caravan as your permenant home.
It should also be noted that exclusions may differ among different providers, so it is key that you check over your policy document or ask your provider if you are not sure about what is excluded.
Reducing your claims risk
Of course there are some factors that you may be able to influence to reduce the risk of you having to claim on your caravan insurance static quote. Even some simple safety and security measures can possibly help, such as the installation of:
a smoke and heat detector;
a carbon monoxide detector;
a security alarm and extra lighting around the perimeter of your static caravan.
Plus, make sure you have a fire extinguisher and fire blanket in an easily accessible place in your caravan. If you treat your static caravan just as you do with your home, this might help to stop any accidents occurring, which of course means you do not have to make a claim on your policy.
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