Insurance Blog

You do have the option of taking out static caravan insurance wherever you want and not just from the site where your caravan is located. If your static home site owner offers you static caravan insurance, it may be worth shopping around for other options to ensure that you get a competitively priced deal.

While your static home site owner make may a fuss if you do this and even charge you a fee if you get covered elsewhere, you could still find that you save yourself some serious money by getting your cover independently.

So, what typically fo you need to consider when looking around for static mobile home insurance? What providers offer is a good starting ponint. For example, what is covered as standard within one policy may not be with another, so it may be worth reading carefully the schedules of draft policies rather than basing the decision on the premium for the policy alone.

Cover for damage to the structure

The risks covered by static caravan insurance providers may vary, but a list of perils that may typically be covered may include:

· flood (depending on postcode);

· fire;

· storm;

· damage caused by an accident; and

· with some insurers, malicious damage.

Contents cover

Your static caravan cover could generally also have the option to include contents cover, similar to the insurance that may be available for a conventional home. If you bring expensive items on holiday with you to the holiday park, do not forget to check whether there is a limit on how much can be claimed for a single item. For example, if you are mad on gadgets and bring your laptop or camera on holiday, you might find that their high value means that you would not be able to claim their full cost of replacement if they were damaged or stolen.

Is there a discount?

There may be savings to be made if you ask about discounts that may be available to you. With some mobile home insurers, reductions in the price could be given for:

· members of caravan clubs;

· people who install extra safety devices on their caravans and keep them in well maintained and safe parks.

Are there any terms and conditions?

To ensure that your static home insurance policy is effective, it may make sense to read through the policy details carefully before you buy. And don’t be afraid to ask the provider questions about anything that is unclear.

You also need to be aware of any obligations you may generally need to fulfil in order to be covered under a static caravan insurance policy – For example you may be asked to lessen the risk of flooding or water damage by draining the system in the caravan.