What May Be Included in Insurance For Static Caravans?

Insurance for static caravans may cover a wide range of things, from protecting the contents of your freezer to providing you with a brand new replacement caravan in the event yours was destroyed. The cost of insurance may vary between providers as can the limits and exclusions, so these do need to be compared.

As your caravan is static, you may have chosen to add a patio, decking and fencing around it. If so, you may want to check if these are covered in your insurance policy in the event they were destroyed by fire or storm. At the same time, you may also want to check whether your TV aerial is covered for damage by storm and your awning. Both of these are generally covered in the policy but the insurance might not extend to any damage resulting from storm.

If you are buying a new static caravan, you may be able to benefit from having new for old insurance included in your cover. If the worst happened and your caravan was destroyed in a fire or was beyond repair due to storm damage and it was under a certain age the insurance company typically replaces your caravan. If the damage has been extreme and the site needs clearing the policy may also pay towards this.

Caravan owners that rent out their caravan may be asked by the site owner to ensure that they have public liability insurance. Public liability insurance protects you financially if a claim is made against you if someone dies or gets hurt whilst staying in your caravan.

When renting you may want to have loss of rental income in your policy, in the event you are unable to rent out due to repairs on the caravan following damage by a hazard (such as fire). If this is not included in your insurance, you may potentially lose a great deal of income.

Your personal belongings are usually included in insurance for static caravans. However, there are always limits imposed on the amount you are allowed to claim for single items. For instance, this may include the contents of your freezer or your personal possessions. Always check the terms and conditions of your insurance policy over very carefully before buying it to ensure you know what is and is not protected in the policy.

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