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Never underestimate the priority of getting a static caravan insurance quote or two before you buy. You may be aware of the phrase having to shop around. For example, if you were buying a new television, unless it was an impulse buy, you would possibly do a bit of research first as to what is available and at what price. As insurance is typically expensive it may pay to look around and find out if you are able to save money.

The same goes when buying insurance – not just insurance for caravans. Your static holiday home is an asset you want to protect, with a policy that offers all the right features and benefits at a price that is realistic to your budget. So, shopping around and comparing static caravan insurance quotes might seem to make sense.

How do I shop around for static caravan insurance?

When looking for caravan cover, you potentially have two main options:

• you can do all the hard work yourself by ringing around various caravan insurance providers to see what they offer, or by visiting the websites of various caravan insurance providers; OR
• you might choose to look online with specialists in static caravan insurance.

The latter option might seem more attractive as:

· some online caravan insurance providers will also have a telephone service too – so you can speak to someone if you are unsure about the cover you are choosing or if you need any help or guidance;

· you can often compare quotes with ease, from the one source, helping you choose your cover more effectively.

So, the reasons why shopping around for a static caravan insurance quote rather than just accepting the first one you get or automatically renewing your existing cover, highlight how useful this exercise can be. In summary, by comparing caravan insurance cover, you perhaps may well be able to find yourself cheaper static caravan insurance and / or a policy that offers enhanced benefits and features to what you currently have.

 

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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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Technorati Tags: caravan insurance, insurance for caravan, static caravan insurance