If you are an owner of a static caravan holiday homes you should consider insurance to cover the caravan as well as the contents. There are two levels of insurance for your static caravan; the static caravan itself and the contents within the caravan.
Insuring the static caravan will cover against loss or damage to the static caravan itself. The insurance can extend to a new for old policies were the caravan can be replaced with a new model should it be damage to an extent which is beyond financial repair. If this is the case some insurance companies will replace the static caravan if it is under 20 years old. The age under which new for old applies will vary from policy to policy. Some companies will only offer new for old for caravans which are less than 10 years old. It is worth checking with the insurance company to determine their exact terms of policy.
The content can be insured under a general policy where by a value is given to the entire content. If you have individual items which are valuable the insurance can also be taken out against such items to given suitable cover.Below are examples of cover:
- Replace new for old
- Alternative accommodation costs
- Debris removal and resiting costs
- Fixtures and fittings
- Public Liability
- Fatal Accident
Consideration should also be given to the excess which applies to the policy as this will vary from company to company. Also check the policy details to determine the new for old cover and additional cover offered.
When obtaining quotes ensure you receive at least three, the more quotes you obtain the more likely you are to achieve good value for money. Getting quotes online can be a quick and simple method to obtain multiple quotes.
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