If you are the lucky owner of a static caravan, there are many benefits to owing your own home away from home. However, one of the downsides to being an owner is that you have to payout costs associated with it and one of these is insurance for static caravan.
All year round winter cover
There are numerous things to consider when owning your own caravan. This is more so during the winter months when you generally do not use it. There is the possibility of thieves breaking in and stealing the contents of your caravan or vandalising it.
There is a higher risk of water pipes bursting and of course, the winter weather in the UK may bring snow, sleet, and flooding.
Any of these may cause damage to the caravan itself or the contents so it is essential for your peace of mind that the insurance company provides year round cover for your caravan. Most will ask that as part of your insurance cover, you take preventative measures, such as draining down your heating system, etc, in order to lessen any risks.
You may wish to check that your policy covers damage from storm to the aerial and any patio, decking or fencing around it as these may be costly to replace and are often not included as a standard part of a static caravan insurance policy.
Liability cover
Many owners rent out their caravan when they are not using it themselves. If you rent your caravan out you might wish to ensure that you have adequate liability insurance cover behind you in your caravan policy. Liability insurance is needed in the event that a third party, such as a holidaymaker, were to sue you if they suffered loss or damage while on your premises. The policy then typically pays towards your legal costs.
These are just some of the benefits of typical insurance for static caravan owners. Of course, when looking for and comparing cover always check the summary and the small print of any policy to find out what protection the policy gives.
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