Would you be interested in being totally covered and saving money with the most fully-comprehensive and most price-friendly static caravan insurance? When you start looking to insure your static caravan you will find a lot of options to choose from, a lot of things to take into account, and it may not be as easy as you might think to find the right policy coverage to suit your needs. Because a static caravan has different storage and transport arrangements (typically stored at a caravan park and not in your driveway or on the street, and not towed to and from holiday destinations) your static caravan will have different cover requirements. Your caravan is also likely to have cost you a good deal of money and as with any great investment of cash, being covered is often a wise move.

The same as when you are buying any insurance or protection scheme/agreement, it is important to make sure that you have enough to cover you for any eventuality or accident. Most insurance policies differ from company to company and underwriter to underwriter, and static caravan insurance is no exception. When you compare policies from different providers you’ll see that they are often quite close to each other in what they offer in terms of coverage, however it may be worth negotiating to see if you can get a little more for you money as some providers may be willing to add a few extras to get your business. Most if not all insurance policies will have exclusions in them and they are usually to be found buried somewhere in the small print. Make sure you read the small print so that you know exactly what the exclusions are before you sign up. Having a good understanding of your policy puts you firmly in control and in the driving seat when it comes to your best interests as ignorance is not always bliss. One thing to remember when buying static caravan insurance is that cheap is not always best and not always as good as proper comprehensive cover.

People who buy static caravans often buy them for a number of differing reasons. For some it will solely be to park their caravan on a suitable caravan park with the full intention of living in it full time for the foreseeable future. Others buy their static caravan as a time share or holiday home, only visiting for a few weeks of the year and perhaps renting the caravan for the remainder of the time. Other still may buy a static with the sole intention of renting it out as a full time holiday home. In each of these situations the insurance needs are likely to differ, particularly if you decide to go with the latter option of renting it out full time. People who own the home that they live in are ar more likely to look after the property than a person renting full time. Ensure that your static caravan insurance covers you for all possibilities of loss and damage if you do decide to rent. It’s always better to be safe than sorry.

When you have narrowed down your choice of insurance companies to a few, or even if you think that you have found the perfect insurance company to go with, take a moment to go through the policy/ies with a fine tooth comb, just to make sure that you know everything that you are covered for. There is no substitute for being thorough and this is never more so the case when it comes to financial agreements. Things to look out for in coverage and exclusions are what you are covered for externally and internally. External things to check are things like fences, patios, steps and awnings. Internal things to check would be any plumbing, appliances both electrical and non-electrical and any furniture.

While static caravan insurance is not a legal requirement, and very few of us like having to pay for any kind of insurance, nearly 10% of caravan owners make some kind of claim every year. If you contrast this with the number of caravan owners who do not have caravan insurance (approximately 28%), weighing up the cost of insurance to the cost of not having insurance and the odds that you may have to make a claim, paying for static caravan insurance is the lesser of two evils, so to speak.