Insurance Caravan – Caravan UK

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

Although it is not a legal requirement, purchasing caravan insurance is recommended as each year a huge amount of caravans are stolen. Insurance not only covers you for theft, but storm damage and accidental damage. Here in this article we shall look at checklist of things that you should consider when looking into buying this type of insurance.

First of all when shopping for caravan insurance it is well worth seeing if you can get a discount with a Caravan club. Many members are often entitled to a discount through their club so it may be worth joining a club when you purchase your caravan. You can also make your insurance cheaper by purchasing alarms, tracking devices, secure storage and axle locking devices. Caravan owners that have never made a claim before on their insurance can also have further discounts so it is well worth finding out how you can lower the cost.

When also choosing your caravan insurance it is worth finding out what can be covered in terms of personal belongings. These are items that you take from your home and bring with you on your caravan holiday. Some of these can be covered on your policy but it is well worth checking first and then checking that these items are covered by your home policy should the caravan one not cover.

Some policies on the market do not offer storm damage for awnings, but caravan awnings can cost up to one thousand pounds so it is worth seeing if you have any cover. Not only that but you may want to find out if you will be eligible for emergency accommodation expenses, in the event that you have your caravan stolen or damaged whilst on holiday. These types of expenses will be able to ensure that you have somewhere to stay in this situation-so check if your policy offers that added security.

When you buy a caravan and are then planning on purchasing caravan insurance then it is a good idea to take some pictures of your new caravan. Take shots of both the interior and the exterior and if possible any unique or personalised parts. Should your caravan ever be stolen then you can provide the police with images of your caravan to help them identify it.

Lastly, remember that all of the security devices you purchase will probably be exposed to the elements and will deteriorate in time. Just keep an eye on your security devices as if you have your caravan is broken into and the alarm was broken, then you will not be covered with your caravan insurance.

Dom Donaldson is a caravan expert.
Find out more about Caravan Insurance and the services offered from NACO.

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