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Do I neeed static caravan insurance?
Static caravan insurance will protect your holiday home for loss and damage and also cover fixtures and fittings, examples of fixtures and fittings would include caravan steps and verandas. As you should be aware that taking out cover for your stationary camper is not a legal requirement, but it is common sense to protect a valuable asset with a policy that is comprehensive. Nobody likes paying for insurance, but it is something that you will really appreciate when you actually need it to cover unforeseen expenses. The expense may be small, but when it is substantial and that is when insurance really works for you.
Like the purchase of any product it is wise to shop around and compare the deals that are currently available. Comparative websites like Tesco Caravan Insurance will help you at this stage. However, do not limit your research to comparative sites, check online forums and read what fellow campers are saying about brokers and deals that are currently available. Static caravan insurance is not required bylaw, but a caravan can be an expensive investment and insurance will give you peace of mind.
Check the static caravan insurance old for new clause and policy restrictions
In general most brokers will provide new for old, restriction on age will normally apply with campers over 10 years in general being excluded from the new for old cover. If your caravan is over 10 years old most brokers will compensate based on the current market value of your holiday home.
If you feel that the market value does not reflect the cost to replace if for example you have made extensive improvements to the base model or it is in top condition please raise this with your broker broker as individual arrangements can normally be arrived at.
As this is an important aspect of fixed mobile home insurance check the policy details on this subject before making your final decision.
Check any static caravan insurance policy restrictions
Most owners of static campervans provide occasional use to family members, close friends or relatives. If you fall into this category you will find that most policy providers will still offer cover under these circumstances, but only if you are not charging rent or receiving money in kind.
Cover available for Motorhomes: Self Build : VW : and Mobile Homes
Below is a selection of the most popular insurance requests that we receive.
Do you need temporary motorhome insurance?
Many motorhome owners only use their motorhomes a few timers per year. If you belong to that category, then temporary motorhome insurance may be the best option. Why pay for a full year, if you only use your campervan a few times per year. Short term cover is also a solution if you simply wish to borrow a motorhome from a friend for a family trip.
Is breakdown cover included in static caravan insurance?
This will depend on the broker, some will include and others will offer as an option extra. Breakdown motorhome insurance can also be purchased as a separate policy with one of the providers that specialise in motorhome cover. Breakdown cover can also be extended to include travel into Europen, this is referred to as European motorhome breakdown cover.
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Choosing the best static caravan insurance policy
As you trawl through and compare static caravan insurance policies you will find the cover offered to be similar. However, other less obvious factors listed below are also important.
Check static caravan insurance policy details carefully
Within this niche insurance sector you will find that overall brokers expect that the motorhome to be insured resides in a licensed camping site that provides adequate security with some form of surveillance and is in an area that is not prone to flooding. In addition your insured camper home should be securely anchored, any other additional industry approved security items like GPS tracking whilst not mandatory should further help reduce your policy premium.
Static insurance policy exclusions that may invalidate any claim
What is the difference between a touring caravan and a motor caravan
A motor vehicle is designed for travel and contains a self contained living section. A touring caravan that is non motorised and contains self contained living facilities that can be towed by a vehicle, definition courtesy of the dictionary of confusing phrases.
Can you provide quotes for both touring vans and static vans?
Yes. On the Inquiry form you will see an option "Type of Caravan " and you may select either static or touring. We can provide quotes for single and twin axle touring vans, trailer tent, folding campers and holiday static caravan pitches.
Is static caravan insurance available for all makes and models?
Cover is provided for all manufactures including Advent, Bluebird, Belmont , Country Homes, Eden timber Frame, Fleetwood, Galaxy, Swift and Stellar to name a few. Cover for contents is an option, having a fire alarm fitted will reduce your annual or monthly premiums.
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