Static Caravan Insurance

Compare static caravan insurance from the following companies who have chosen to advertise with us. The table below contains financial promotions approved by the companies concerned.

Insurer	Discounts Available	Max. No Claims Discount	Min. Policy Excess	Why Us?	Phone	Outstanding Policy Features
Safeguard Info>	30% security, Voluntary Excess Discount	25%	£100	Re-siting up to £1000	0808 156 7452	New-for-old replacement on static caravans written off within 5 years of new purchase. Policy terms and conditions apply. Calls may be recorded.
Towergate Bakers Info>	Security, NCD, Excess, Max 40%	Max 10%	£0	Extensive Cover, Great Price	0800 496 1516	New for Old for life. £30K cover plus - ask about leisure home policy.
Cover4Caravans Info>	Clubs, Age, Area	Up to 25%	£100	Pay by Visa, Paypal, Invoice	0800 970 7172	5 & 3 Year New For Old cover.
Leisuredays Info>	None	Up to 20%	£75	Debris Removal. Re-siting up to £5000	08452 743 606	Alternative accommodation costs - up to £50 a day for up to 14 days. Replacement with new option for caravans up to 10 years old.
OneQuote Direct Info>	Sum insured over £65K. Renewal Loyalty 5%	40%	None	Quotes in 2 mins	08000 891317	Up to 10 years New for Old Cover. Protected No Claims Bonus.
E&L Info>	5% Online	Varies	£85	Public Liability up to £2.25M	08449 809763	Monthly policyholders receive up to 50% off pitch prices at Haven and British Holiday sites.
Park Home Info>	Not specified	Not specified	£75	Legal Expenses Cover	0800 614 849	Full accidental damage cover. Loss of Rent.

Buying Insurance for Static Caravans

When taking out static caravan insurance you should shop around. You have to ensure that you have the right insurance cover for your needs, at the best possible price. If you are renting out your static caravan then you will need to check to see if you would be able to claim for rental loss if the caravan should be damaged. You could lose a great deal of income unless you can make a claim on the insurance policy.

You would also need to check your quote to find out what is covered in regards to contents in the caravan. If there is new for old protection then any items that are damaged or stolen may be replaced as new. Of course there could be limits and exclusions so these would need to be checked before taking out your policy. Certain items may be excluded such as jewellery, cameras and camcorders. Of course there could be more and these will vary depending upon the individual insurance company you choose.

Also check to find out if the static caravan insurance you are considering would allow you to insure for agreed values. If you have made a lot of improvements to your caravan then this could be useful as the caravan may be worth far more than a standard model. If you have agreed values then your caravan would be valued and this would be the approximate sum of money that you would receive in the event of a claim.

There are many ways that you can save on your static van insurance. The safer your caravan is seen to be then the more savings you could make on the insurance premium. You could make savings by fitting such devices as smoke alarms for example. Fitting an alarm on the caravan can be a deterrent to thieves which could also help to keep down the cost of the insurance. You could also offer to pay a higher excess than the minimum your insurance company is asking for. The excess is the amount of money you pay towards the cost of any claim before the insurance provider will meet the rest of the claim. However while you can keep down the cost of the premiums you do have to take into account that this would be the sum of money that you would have to pay out of your own pocket if you were to  make a claim on the insurance.

Also check to find out if your static caravan insurance offers cover for storm damage. This could include damage caused by lightening, or if falling trees or branches were to damage your caravan. Consider also if damage due to flooding could be claimed for, depending on where your caravan is situated flood cover could be desireable. During the winter months your caravan will probably not be used so also check to see if your plumbing installations would be protected due to damage by frost.