Static caravan insurance will protect your holiday home for loss and damage and also cover fixture and fittings, examples of fixtures and fittings would include steps and verandas. As you should be aware 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 and then should the worst happen you'll will be able to rely on the cover to ensure that you are not out of pocket to recover the situation or replace your mobile home. Like the purchase of any product it is prudent to shop around and compare the deals that are currently available in the marketplace. Comparative web sites will help you, but do not limit your research, check online forums and hear what fellow campers are saying when it comes to providing good cover for your valuable asset namely your holiday home.
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 mobile home 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 an important aspect of fixed mobile home insurance please familiarize your self with the different policy proposals before making your final decision.
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 if you are not charging rent or receiving money in kind.
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 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.
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 a dictionary of confusing phrases
Yes. On the Inquiry form you will see an option "Type of Caravan " and you may select either a static or touring. We can provide quotes single and twin axle touring vans, trailer tent, folding campers and holiday static caravan pitches. If you are the owner of a folding camper we can also help compare quotes for folding caravan Insurance.
Cover is provide for all manufactures including Advent, Bluebird, Belmont , Country Homes, Eden timber Frame, Fleetwood, Galaxy, Swift and Stellar to name only a few that we can provide comparative quotes for, cover for contents is option, having a fire alarm fitted will reduce your annual or monthly premiums.
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.
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.
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.
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.
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.
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.