Buyers Guide to Static Caravan Insurance
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Author: John Micke 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 pressurised 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 ÂŁ5 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 ÂŁ82.75 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 http://shieldtotalinsurance.co.uk/caravan-insurance
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