Static Caravan Risks

Static Caravans become a home away from home, and for many people finding the ideal site to return to year after year to stay in a comfortable environment is an ambition and passion. They are also a cost-effective way of always ensuring you have a place to take a last minute holiday or a cheap weekend break. But should you be able to realise your dream and purchase a Static Caravan with a permanent place in a Campsite you will obviously need to consider the everyday insurance risks for static caravans posed to your new property, and make sure that you are covered by a policy that is both cost effective and comprehensive.

The Risks and Dealing With Them

Covering the Caravan

No doubt you will be away from your Static Caravan for long periods of time, only returning during holidays, so the environmental and human risks to the physical integrity of your Caravan are constant, and any damage or other misfortune that occurs whilst you are absent may not be noticed for months until you next return. Depending on the placement of your Caravan, flooding may be a risk, and storm damage or damage from falling trees can quickly compromise Caravan contents and structure. Insuring against fire damage could also be a valuable asset in a static caravan insurance policy. Most insurers will account for these possibilities, although it is wise to check the extent to which each deal will cover these external influences on your Caravan.

Covering your Possessions

Your Static Caravan will be full of expensive devices whilst you are staying in it, and probably be left unattended with valuable contents whilst you are at home, all of which can be particularly enticing to thieves and a big headache should anything be taken. Contents Insurance for Static Caravans functions in a similar fashion to Home Contents Cover, and insuring your valuables to the amount that they are worth is something most insurers will include, but the amount of cover you are given will vary depending on your choice and needs.

The Human Factor

Having a permanently placed Static Caravan on rented land can sometimes cause disputes. Whether it is to do with rent increase, land value or other issues, these kinds of things can happen, and any resultant legal action can leave you out of pocket. Luckily, some insurers will account for the possibility of this action and reimburse some or all of the legal charges you incur settling disputes regarding your Static Caravan. Accidental damage caused by your family or your neighbours to the Caravan or its contents is also normally included in most policies.

Most insurers will offer combination policies which cover both the Static Caravan itself and the contents, and this is a great way of saving yourself money rather than insuring the two separately. Getting cover online may also increase your savings as several companies offer online-only percentage discounts on most policies. Hopefully finding the right kind of Static Caravan Insurance will guarantee years of happy camping!

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