Compare the Market Static Caravan Insurance UK

Is Insurance Necessary?

No matter whether you use your camper for your holidays, your main home or attach it to the back of your car in nice weather you should make sure that you have cover. It may be something that you have not thought of, especially if it spends most of the time on your front drive, but it is a necessity as we never know what is round the corner.

The first thing you will need to think about is whether your mobile home is to stay in one place or if it is a touring one that will be taken all over, this will greatly affect the type of cover you need and your premiums. Think about the items you will be keeping in your mobile home in the long and short term so that you will be able to give prospective insurers an idea of how much coverage you need for personal belongings.

People who own mobile homes or trailer homes often have furniture or add a patio to the outside so you will want to speak to the insurer about whether they will cover will extend to these items as these will be the most vulnerable items that are not normally under lock and key. You have more options if the whole caravan is stolen, as well as if a fire meant that it was no longer habitable. Some of the insurers will cover you so that you are able to get an old for new which is definitely worthwhile if you are able to pay the premiums as it will mean that you are not only able to replace your camper with an updated one but also belongings inside and outside. Other coverage will give you the market value at the time of your claim.

It is worthwhile making sure that you have  coverage. This will ensure that should any accidents occur, whether on the road or when the camper van is stationary that you will be covered. It will also make sure that your belongings are covered whether you are at home or away. People who choose to use the caravan as their full-time residence will not be able to have the same amount of security as you would do in a house, although it has improved over the years. If you were to have everything you owned stolen or were victim to an arson attack you will need to make sure that everything can be replaced and this is why camper insurance is a good idea no matter the time you wish to use it for.

Will you rent out your Static Caravan?

Basically, there are certain factors you have to take into consideration when taking out a policy. you have to ensure that you have purchased the right level of cover and if you normally rent out your family caravan home, then you have to check the terms of the insurance to ensure you can make a claim for loss due to rental if  damaged otherwise you could lose loads of income, unless you can make a claim on the insurance policy.

Consider The Cost to Replace your Mobile Home

In addition, check the terms of your policy and find out what is covered in regards to contents in the caravan and certainly there are going to be limits and exclusions so it is very necessary that they need to be checked before taking out your policy. carry out a thorough check to also find out if the broker would allow you to insure for a specified value because if you have spent a lot of money improving the caravan then it may be appropriate to re-evaluate the cost of the caravan as the price may be higher than buying new or may even be worth more than a standard model. If you have an agreed evaluation for your camping van, then your caravan would be valued accordingly and this would be the likely amount that you would receive in the event of a claim.

Ways to Bring that Insurance Premium

Furthermore, there are other ways that you can save on your static van insurance. The more secure your caravan is seen to be then the more savings you could make on your premium. By fitting security devices such as smoke alarm, fitting an alarm on can act as a deterrent to thieves could help you make some savings and keep down the cost of the insurance. You could also increase your excess above 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 before the insurance kicks off and your policy pays out to cover the claim.

Tips over Winter Months / Vacant Months 

Even if you are only planning to leave your camping van vacated for a week, it is still wise to ensure that these security procedures are put into place. But there is more to keeping a 'no-claims' than just tucking away the valuables. Taking care of the utilities is a must, especially in the winter months. Even if you are only going to leave your caravan empty for a few days, ensuring that damage caused by freezing conditions is minimised is a must. Drain any excess water from the systems such as lavatory, shower, and basins after turning off the water supply, and lag any pipes that may be susceptible to frost to prevent burst pipes. Make sure that the gas and electricity supplies are switched off and all electrical items are protected from damp conditions.

To avoid minor claims for damage to soft furnishings and other items from damp and cold, ensure that there is adequate ventilation. Blocked air vents can cause damage to fridges, wardrobes, curtains and bedding and sofa areas. Make sure that all areas are thoroughly cleaned, and doors wedged open to aid circulation. And finally, if there are other people using your van, leave a checklist of things to do and not to do to avoid any unnecessary damage or accidents.

Disaster Cover

Finally, it is also ideal to ensure that you are covered in the case of the occurrence of some certain disaster such as cover from storm damage. This could also include other occurrences such as caused by lightning that can cause damage,  It is also important to consider damage from flooding or seasonal variation which can occur during winter months of the year. It is also wise to consider other unplanned events such as excessive snow conditions which can affect the insurance claims payments.