Static Caravan Insurance Facts to consider
May 29, 2010 Tech News
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More and more people are taking holidays in the UK and there are many beautiful places. Recent figures posted by Haven Holidays highlight an increase in sales of static caravans of 38 per cent over the summer months as Brits opt to take more breaks at home.
There are numerous insurance companies offering static caravan insurance and they offer competitive premiums. When shopping around for static caravan insurance there are various factors you might want take into account, all of which could significantly affect the premium you pay.
One of the main risks that is covered by static caravan insurance is theft. If your static caravan is being used strictly as a holiday home, you are not always be there to watch over it. Many holiday static caravans are located in sites that are very beautiful but also quite remote and this makes them a prime target for thieves. If you are leaving valuable belongings in your static caravan then you may typically want to consider an insurance policy that protects any possessions that are stored inside the caravan when you are away. You should also be aware that most insurance companies will only cover you for theft of belongings in situations where there has been a forced entry to the caravan, particularly for items such as cameras or sports equipment.
Some caravan locations may also have a high risk of flooding. Most static caravans come equipped with flotation devices to help protect them from high waters but severe storms can cause a large amount of water to rise quickly and damage your static caravan. Generally insurers are able to offer lower static caravan insurance premiums if your caravan is located on a sheltered site away from the risk of flooding.
You might also wish to consider whether you are going to be renting out your caravan when it is not in use by you and your family. If your intention is to rent out the caravan for periods during the year it is vital that your insurance covers this and provides protection against theft, flood or other damage even if it isn’t you that is occupying the caravan at the time.
You may also want to bear in mind that fire is a typical risk. You need to make absolutely certain that the insurance policy that you buy generally cover fire as well as smoke damage. You also need to be protected from storm damage and damage from freezing temperatures during winter, especially if your caravan is unattended for long periods.
The purchase of a static caravan is a major investment, andas with any other large investment, you want to ensure that you have enough protection. It is therefore vital that you choose the right static caravan insurance for your needs.
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