There are numerous considerations to make when choosing your static caravan insurance UK policy. Here are some of the factors you may wish to consider.
Do you own a brand new caravan?
If you own a brand new caravan then you may wish to check to find out if the insurance provider is offering new for old insurance. This means that if your caravan was destroyed you typically get a brand new replacement for it, providing it meets the criteria set out by the insurance provider. For example, this means it generally has to be under a certain age.
Replacement contents
As static caravans come with all the mod cons of home, the contents are valuable. If the contents of your caravan were to be destroyed or stolen, it may cost a lot to replace them. Therefore, you may want to make sure that you have adequate contents insurance. Taking an inventory of the entire contents including such things as personal possession, items in kitchen cupboards and furniture in your caravan is essential. You may also want to find out if the provider pays out new for old on your contents or if they consider deprecation. If you have new for old, any items that are destroyed or stolen are typically replaced as brand new.
Is your patio, fencing or decking insured?
Many static caravan owners build up decking, patios, and fencing around their caravan. If you have done so or intend to do so then you need to find out if these are covered in the insurance policy. For instance, if there was a fire, these were destroyed, and they were included in the policy, your policy typically pays out to replace them. If your provider includes them in your cover, they do not forget to add them onto your inventory.
Do you rent out your caravan?
If you rent out your caravan then check to find out how much public liability insurance is included in your static caravan insurance UK policy. Liability cover is typically included and it typically pays out towards any legal claims that may occur through a holidaymaker becoming injured in your caravan.
