Comparing insurance is typically a good idea when you’re looking for suitable cover but it’s not always quite as easy as it sounds. If you have a static caravan and would like to compare static caravan insurance – you may need specialist help.
Static caravans are those that typically sit on a more or less permanent site location eve though they may be technically mobile. They are often large caravans typically equipped to a high specification and containing a lot of home comforts.
They are, of course, subject to general risks and those that are more specific to their nature, all of which needs to be taken into account when trying to compare static caravan insurance.
For example, a static caravan may be more vulnerable to wintertime natural disasters or burglary than say a motorhome. Typically static caravan insurance will insist that certain protections are taken to reduce such risks and these may include:
- using approved sites with full services and security (some premium discounts may be offered if the site is a member of a registered safe site scheme);
- the draining down of all plumbing systems in winter;
- the fitting of security locks and alarms;
- the closing or removal of awnings when unattended.
Some policies may also not cover static caravans if they’re used as a primary residence.
Some static home insurance policies may fully insure you for renting out your caravan to others, yet some other policies may not do so. The conditions around contents may also vary considerably with some policies not covering high-value items such as TVs, sound systems and jewellery whereas others may be more flexible in those areas.
All of these things need to be taken into account when making comparisons between static home policies and it can become complicated. So if you’d like to compare static caravan insurance the services of a specialist online caravan insurance provider may come in handy!
