 | |
| Static Caravan Insurance Guide |
For some, the word "caravan" conjures up dreamy visions of the freedom of the open road, a summer of leisurely hopping from place to place, and a little house you can hook into the back of your car and take with you everywhere. For many, caravans present the scene of terrible traffic jams, rainy July afternoons spent inside, and cramped living spaces.
That is, however, until you see a static caravan. Static caravans, as their name implies, are caravans that are taken to one place and repaired there, and may only be moved by specialists with the proper equipment and vehicles. Static caravans tend to be much larger in size, and can accommodate more people more comfortably than conventional caravans. Static can also be equipped with proper plumbing for toilet and bathroom facilities, as well as have a proper kitchen with a built-in oven and other facilities; in other words, it's a house without a foundation!
While a static caravan has reduced the risk significantly in terms of not getting out on the road and moving around, the fact that it is essentially a small house brings its own set of problems. Finding cheap static caravan insurance is always difficult, as it is a delicate balancing act between paying as little as possible while ensuring you get adequate coverage.
One way to reduce your insurance premium on a static caravan is to make it as Fort Knox-ian as you can! If you can make your static caravan as difficult as possible for thieves to get into, then you should see a commensurate reduction in the price of your static caravan insurance policy. For example, install double locks, security lights, and even alarms whenever possible, and make sure all windows are double secured. This is especially important during the low season because, if you are not living in a caravan, you may leave your van unattended for a while, so ensuring its safety is paramount.
One thing to note too is what a static insurance policy covers with respect to its contents. If you have a large number of expensive electrical items, jewelry, or anything else of significant sentimental or monetary value in your caravan, you may also want to take out a separate contents insurance policy, to ensure you are fully covered. This also applies if you have a garden or any kind of shed to store things in, as these may also not be covered by policy.
Finally, and this is a tip that everyone looking for any kind of caravan insurance should use, is to use a price comparison site. It takes all the monotonous quote research out of your hands, and only gives you options and prices in plain English. You can then calibrate this to make sure you're getting what you want from a policy, and save a lot of money on the bargain.
EmoticonEmoticon