Insurance Caravan – Caravan UK

When you have taken such care to choose the perfect holiday caravan or leisure lodge in a location that suits your needs, you want to have the best Static Caravan Insurance too. You need to know that you have the right policy and feel satisfied your Holiday Home is in safe hands if things go wrong. As one of the leading suppliers of caravan holiday home insurance, Shield Total Insurance have compiled a list of “hints and tips” that may be of use to Holiday Home Owners.

It is worth emphasising there is an alternative to arranging insurance through your park owner. You shouldn’t feel pressured into buying their Holiday Home Insurance. The practice is illegal, with the vast majority of park owners not being permitted by the Financial Services Authority to offer any insurance advice. The conditions of your park agreement may require proof of insurance to protect the park owner against the cost of removing any debris or to ensure protection for the public against any damage caused to them. However, the decision where you buy your insurance is yours.

Many insurance companies like Shield Total Insurance offer schemes for parks and direct to holiday home owners too. It is worth comparing quotes before committing. Remember even after buying a policy you are entitled to a 14 day “Cooling Off Period” when you can change your mind.

When searching for comprehensive Static Caravan Insurance, owners of holiday caravans should check their policy protects their holiday home against loss or damage by such causes as fire, storm or flood, theft, malicious acts or vandalism, subsidence and escape of water from any domestic water installation. It is also worth checking whether any outbuildings, steps, balconies, patios and skirting are covered by the policy.

Is the Static Caravan Insurance cover on a market value or new for old basis? What policy excess will apply? Am I covered for any debris removal and the re-siting costs if the holiday caravan is destroyed? Will the public liability cover be sufficient to meet the needs of the park? (Specialist insurers like ourselves can provide up to 5 Million cover where requested).

When comparing quotes on a “like for like” basis, look out for any extras that may be included such as loss of key cover and loss of use cover.

Who will handle any holiday home claims? It is preferable to use a provider that has a UK based, in house, specially trained claims handling team, with a 24 hour claims notification line available to all their policyholders.

Choosing Static Caravan Insurance is much easier now than it used to be, with both access to quote and full buy online facilities now being the norm. With prices starting from only 82.75 it is a small price to pay for complete peace of mind. Get a great deal on your Static Caravan Insurance today.

To know more about Static Caravan Insurance and buyers guide to static caravan insurance visit shieldtotalinsurance.co.uk/caravan-insurance

Caravan insurance is not something that everybody would immediately consider when purchasing or renting a caravan, yet it is actually of great importance. Indeed, it is necessary to insure a caravan or motorhome in order to ensure that stress free holidays can be enjoyed on a regular basis, as without such insurance the risk of theft and damage can play heavy on an individual’s mind. However, choosing between the various different types of caravan insurance is not all that straightforward, so it is useful to understand what such policies actually offer in order to objectively decide whether one is more suitable than another. Furthermore, the task of choosing a caravan insurance policy is made all the more difficult when it comes to assessing the cost effectiveness of each premium.

Therefore, those who are in search of insurance cover for their caravan must first choose between several different policies that are designed for specific types of caravan. In fact, there are a number of different insurance packages available that cover caravans, motorhomes and tents, so it is important to ensure that these do actually provide the specific type of insurance that is required when checking prices. In this respect, customers must first choose between touring and static caravan insurance policies. The difference between touring and static caravans is simply that the former is typically towed on the back of a vehicle whilst the latter is pitched at a caravan site on a semi-permanent basis. As such, different levels of cover are required for these different types of caravan, whilst trailer tent, motorhome, park home and standard caravan insurance in Northern Ireland will also require specific types of indemnity.

Nevertheless, once the right type of insurance policy has been identified, it is essential that customers do not simply buy the first package that they notice. Moreover, choosing a policy from a large insurance provider, whilst not in itself a bad idea, is certainly not a wise move in terms of value for money unless all other insurers have been assessed. Of course, comparing one caravan insurance policy to another is both awkward and time consuming, so this has often been a source of trouble for many consumers who want the best insurance at the lowest possible prices. Fortunately, it is now possible to compare the insurance prices of different providers across the country with a few clicks of a mouse button.

Indeed, insurance comparison websites allow consumers to check the policies of different insurance providers to more effectively evaluate which offer the greatest value for money. Therefore, it is essential that, in addition to checking the specific terms of a policy, its price is checked against those of its main competitors. In fact, since price comparison websites emerged towards the turn of the decade, many insurers have realised that offering inflated premiums in the belief that customers will not shop around is simply no longer sensible. Naturally, as comparison websites tend to display the cheapest policies alongside those that are more expensive, any significant price gap will be regarded by the customer as reason enough to purchase the cheaper premium. Of course, cheaper does not necessarily mean better so far as the terms of a premium are concerned, so it is still important that customers check what other differences exist between policies. However, where policies are fundamentally the same, the cheapest premium will more often than not be the most advantageous to the customer, so it is important to shop around before deciding on a specific package.

George is the Webmaster of http://www.insurancechecker.org.uk – Why not check insurance prices online

If you have a German model caravan then you probably have found it hard or next to impossible to get competitive quotes for German caravan insurance. If you are considering buying one of the many models and makes of German caravans then there are certain factors you should take into account when it comes to finding insurance in the UK for your caravan.

There are basically two different types of German caravan. There are the large luxury twin axle models to choose from and there are also the smaller singe axle models to consider. The larger twin axle models of German caravan are the ones that you could find it almost impossible to get insurance for in the UK. They are also considered to be the most sought after by thieves and so even if you are able to get German caravan insurance for the twin axle you can expect to pay high cost for the premiums. Even when having the most advanced form of security for a twin axle the cost of the insurance could be astronomical.

If you have one of the German models of caravan then you should do all you can to ensure that the caravan is hard to steal. Even insurance for a single axle German model would be dearer than the standard caravan insurance in the majority of cases. When looking to insure your German model then it is essential that you find a broker that specifically deals with insurance companies willing to offer competitive quotes for insurance.

You would have to pay out for the top range of security for your caravan such as window and door locks and preferably install a tracking device. Keeping your caravan under lock and key would be essential when you are not touring around in it and do all you can to ensure that it remained safe and secure.

Of course your policy would cover you for all the same features and benefits that you would get when taking out insurance for any model of caravan. You would have cover against fire, theft, vandalism and accident protection. Your belongings would also be protected usually for either new for old or wear and tear. New for old would give you brand new replacements for your belongings but does boost up the cost. If you wanted to travel outside of the UK in your caravan then checking that the policy included European cover would be essential. This would ensure that if your caravan was damaged it would be towed to your destination or brought home; it would be repaired and you would have the money to be able to stop in alternative accommodation.

All forms of insurance come with limitations and terms and conditions and German caravan insurance would be no exception. It is therefore essential that you do take the time to read over the small print of any policy you are considering taking on. There would be a limit on the amount the policy would pay out for alternative accommodation. There would also be limits on the amount of days you would be protected in Europe. There could also be limits for certain items and your belongings.

George McGonigal is the Webmaster of the UK’s first Caravan insurance comparison website, http://www.caravanquoter.co.uk
Our easy to use site allows you to get multiple quotes from specialist brokers for german caravan insurance

If you are looking for a static caravan UK insurance policies, you may have found that benefits of the policy vary from provider to provider. Some caravan insurance providers may offer new for old replacements, others consider depreciation. Some might offer protection for awnings, but not for storm damage, while others include storm damage with certain requirements. Is there any wonder that many get confused when searching for their insurance? Here are some tips and advice to help you when choosing a policy.

Depreciation or new for old

If you see the words “depreciation” or “new for old” in your policy this relates to what the provider gives you back if you were to make a claim for loss of belongings due to theft (if you have theft as part of your cover), or if they were destroyed by fire or some other hazard.

If the policy states that the provider gives new for old, then any belongings you claim for are replaced as new (or with a sum equivalent to what they would cost as new). Typically when taking out a static caravan UK insurance policy the premiums may be slightly higher if new for old is included.

If the cover is on a depreciation basis, then wear and tear of the damaged / stolen items will be taken in to account, so you will typically get a lesser amount back.

Awnings protection

When checking the insurance policy you may find that your insurance provider covers damage due to storm, however there may be certain requirements that need to be met by you. You may find that you have to state a separate limit of insurance for your awning. You might also find that the awning is only protected for storm damage if you are in the caravan when it is up and damaged. With this in mind you may wish to ensure you get into the habit of stowing away the awning, whenever you leave the caravan unattended.

Year round insurance for your caravan

The majority of static caravans are left unattended for some months out of the year, typically during the winter. However, the insurance provider may offer all year round protection in your static caravan UK insurance policy, so even if you are not in the caravan, it is still covered. There may however be certain requirements you have to meet. The insurance provider may ask that you drain down the heating / water systems in the caravan etc in order to lessen any risk of leaks etc.

Roger is the Editor of the UK’s first Caravan insurance comparison website, http://www.caravanquoter.co.uk.
Our easy to use site allows you to get multiple quotes from specialist brokers for static caravan insurance