Compare Static Caravan Insurance 

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Static caravan insurance Benefits

You can think of static caravan insurance as similar to home insurance. It is optional, but having it can provide you with cover you for accidental cosmetic damage all the way up to full contents insurance.

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Like the purchase of any product it is wise to shop around and compare the market for the best deals that are currently available. Comparative websites like compare static caravan  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.

Check the static caravan insurance clauses 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 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.

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Choosing the best static caravan insurance policy

As you compare insurance policies,  you will find the cover offered is in general similar. However, other less obvious factors listed below are also important.

  • Damage repair : Should the need arise to have repairs made, how quickly and who will these be carried out by?
  • Limitations of contents : Check any limitations. For example,  GBP10,000  cover for contents looks good, but what is the limit on individual items, for example jewelry. If it is not adequate you can look at increasing your cover. The same idea applies to any gadgets on board.
  • Windshield : Check that these are covered. if not try and get them included or take out a separate cover from a national windscreen repair specialist.

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 caravan insurance policy exclusions that may invalidate any claim

  • If lack of basic maintenance leads to damage , your broker may well refuse to pay out. Examples would include rust,damp or wood rot
  • Wear and tear, like in most policies you can not claim for damage caused by wear and tear of aging
  • You fail to secure your vehicle, similar to leaving the keys in the ignition. 

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.

How can I lower my static caravan insurance premium

  • The more secure your caravan is seen to be then the more savings you could make on your premium. Fitting security devices like an alarm can act as a deterrent to thieves and could help you make some savings and keep down the cost of the insurance. 
  • You could also increase your excess above the minimum that the insurance company is requesting. Like any insurance, the excess is the amount of money you pay towards the cost of any claim.
  • You could choose third party only static caravan insuurance, obviously you will have less cover than a fully comprehensive option.
  • Limit drivers to over 25 and if possible only permit drivers with a good history of no claims. Drivers under 25 are seen as high risk and will raise your monthly static caravan insurance premium

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