Your static caravan insurance quotes may vary greatly depending on the provider and the benefits that are included in the insurance. While one provider may seem to be asking a great deal more for their policy, they may also offer more by way of benefits. When comparing caravan insurance quotes you therefore have to ensure you are comparing like for like benefits.
While the benefits go towards how much you pay for your insurance, providers may offer reductions on insurance if you have considered certain measures. You may be able to make savings in the following ways, depending on the provider.
- you may wish to consider installing a good quality alarm system on your caravan. Often insurance providers recommend alarm systems that may help you to keep down the cost of your insurance premiums;
- join a specialist owners club, there are many other benefits to becoming a member than saving on the insurance;
- ensure that you keep proper maintenance of your caravan at all times such as checking awnings, decking, fencing and steps;
- install security lighting around your static caravan;
- choose a well lit site, preferably one that is walled in and has security on site.
What you may find included in your static caravan insurance
As a static caravan owner, you need to ensure that you are protected against such hazards as fire, storm, flooding, theft, and possibly accidental damage. Your policy may typically provide cover for these; however, in some cases you may have to pay more on your premiums to include accidental damage.
If you rent out your caravan to holidaymakers then you need to consider public liability insurance. It is typically found in your static caravan insurance but you may wish to check how much insurance you get. Liability insurance typically pays towards your legal costs in the event that you are sued by a third party who suffers an accident and injury whilst in your caravan. You may also wish to have rental income loss in your caravan insurance as this typically pays out if your caravan is damaged and you cannot let it out to those who have pre-booked it. Again the amount of cover included reflects on your static caravan insurance quotes.
