Most people have the common sense to compare the cost of their static caravan insurance quotes. However, some make the mistake of not comparing exactly what it is that they are spending their money on. Buying on price alone is often a false economy, as the benefits a policy offers is equally as important as the price you pay.
When you are investigating your static caravan quotes you take the following into consideration:
· Many static carvans have a great deal more furniture than the average touring caravan, because you look to make it a home away from home. Some static caravans have flat screen TVs, and perhaps also a portable TV in a bedroom, maybe a DVD player or two and various other electrical items, plus numerous other fixtures and fittings. All of these need to be considered when summing up how much it would cost to replace all of the contents, should it happen that everything was either stolen or destroyed.
· Once you have calculated the value of the contents of your caravan, this amount – known as the sum insured – is a factor in determining the cost of your static caravan insurance quotes. It makes no sense to insure for more than the value of the contents as you are paying for something you just don’t need. But of course you wouldn’t want to leave yourself under insured as in the event of loss you could find yourself out of pocket. It makes great sense therefore to undertake an inventory of your contents when calculating the sum to insure, from the smallest to the largest item. It is easy to underestimate just how much value there is in your static caravan.
· It is worth checking what you will get back should you have to claim an any of your contents. You will find that some policies cover you ‘new for old’, so if you lose something, it is replaced with a new one. Others offer depreciated values dependent upon the age of the item, so you will only get a certain percentage back. Consider what you would want in such circumstances.
Once you have calculated the amount you need to cover for, then you want to dig into the policy details to identify what is suitable for your needs. This way you will be sure to get the right static caravan insurance.
