Posts Tagged ‘static’

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Make Sense Of Static Caravan Insurance

Tuesday, April 24th, 2012

Have you ever consider buying a static caravan as a holiday home? They could be the perfect choice. Cheaper than a chalet or cottage, and yet laden with all the creature comforts you could want, and you can return to them again and again to enjoy that hard-earned break. There is also the opportunity to get a return on them by renting them out when you are not using them. If you were to do this though, you would need to ensure that you had a good static caravan insurance policy for your own peace of mind, and safety of pocket.

Static and touring caravans have somewhat differing requirements when it comes to insurance. For starters, as they remain on site you don’t have to consider the risks of the road. And theft of the caravans is pretty much unheard of, so that is another thing that is not required.

There are though other risks to be considered however. Theft of contents and belongings for instance, as you may leave valuables and/or electrical items there year round. So this should definitely be on the radar when considering insuring the caravan. Also there is the risk of accidental damage, particularly is the property is rented out.

Vandalism presents another possible issue, particularly as the caravan may remain unoccupied for periods of the time throughout the year. As does flooding, so it is important to know if the park is situated in a flood area (you can find this out at the Environment Agency’s website). You should also consider storm cover, because although infrequent, the UK can experience fairly damaging storms. And there is also the possibility of damage due to the winter cold weather, in particular fractured water pipes, that can do a good deal of damage especially if they are not attended to promptly.

There are a number of things to consider, but this should not put you off. With the right information you can find just the right static caravan insurance that you require. This is where caravan-insurance-cover.com can help you by providing this kind of information, and access to the best online providers of caravan insurance. If you get your insurance right, there is no reason why you can’t enjoy many years of wonderful holidaymaking in your static caravan.

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Static Caravan Contents Insurance

Monday, April 16th, 2012

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.

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Static Caravan Insurance Online

Monday, March 19th, 2012

So why should I buy my static caravan insurance online?

An excellent question, and one that has these compelling answers:

  • information
  • choice
  • price

Information: The internet is an excellent source of information (of course we include www.caravan-insurance-cover in that statement!). ‘Knowledge is power’ the saying goes, and it is an important truism when researching your insurance. Our aim on this site is that you should be able to find out pretty much all you need to know before buying your insurance without leaving the site. To help you understand the elements of static caravan insurance, to ensure you are buying the right policy.

Choice: The internet is essentially an enormous virtual shopping mall, one you can browse without leaving the comfort of your armchair. Easy access is available to various static caravan insurance providers, so you can see what each has to offer, and compare policies before investing your hard-earned money. This allied with the information I mentioned earlier puts you in a far better position to get the right insurance policy for your static caravan.

Price: This is the big one for most people. Many caravan insurance providers offer discounts for buying insurance online. So, you know what you need (information), you know where you can get it (choice), and you know where you can get it the cheapest (price).

All in all the chance to research and buy your static caravan insurance online is one that puts the buyer in the position of power. It is our aim here at caravan-insurance-cover.co.uk to help you get into that position of power, to make sure you get the right static caravan insurance policy at the right price.

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Cheapest Caravan Insurance

Friday, March 9th, 2012

It is quite natural to assume that the cheapest caravan insurance you can find is the best one for you when looking for a new policy. This could be the case, but more often that not it is a short-sighted approach to take. In fact there are several equally important factors to consider when searching for your new caravan insurance.

Buying the cheapest policy can indeed be a false economy. Imagine you are struck by a misfortune and make a claim on your policy only to find that the policy does not in fact cover your caravan for such a loss. Suddenly it ceases the be the cheapest caravan insurance policy!

Price and coverage need to be considered in tandem when looking for a insurance policy. Concentrating on just one can cause you unnecessary expense, in that you may either be paying over the odds for your policy, or may find yourself out of pocket as mentioned above.

Regarding coverage, you should carefully consider just what you need to have protection for, and just how much coverage you should have. Also, your coverage needs differ dependent on whether you have a static or touring caravan. For instance you should pay attention to the fact that some touring caravan insurance policies have restrictions on the age and experience of drivers qualified to tow the caravan. By contrast static caravans are left unattended for long periods of time, and that makes them prone to being burgled.

Bear in mind that cheap, cheaper, cheapest doesn’t necessarily translate to good, better, best, as the cheapest caravan insurance is not necessarily the best.

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Cheaper Static Caravan Insurance Policies

Wednesday, March 7th, 2012

Finding the right insurance for a static caravan can prevent a number of issues, especially if you are trying to tighten your pursestrings. It is important that you have an adequate level of cover to protect yourself, but at the same time you want to make sure that you’re not paying more for it than you need to. Trying to find the right insurance can be a bit of a pain, but it really doesn’t have to be.  A few simple tips can help you do this the right way, making it straightforward for you to find static caravan insurance that is cheap, and also importantly matches your needs.

First up, have a good look at your current caravan insurance policy, dig down into the detail to identify what in fact you are getting. Perhaps there are elements that you don’t need, or maybe a lower level of cover, and perhaps you may realise there are som things that are not covered that you thought were! Look at ways you can trim the policy down a bit. Another option here is to increase your excess, as this is one of the easiest ways to cut premiums. However this should be approached sensibly, because if you make your excess too high, you could find yourself unable to cover their costs in the event you need to claim.

One of the very best ideas to getting anything cheaper is to make sure you shop around, this is as true for caravan insurance as for anything. If you are in need of a new policy in the near future make sure you use a comparison site. This is the premier way of saving yourself money on your insurance. By comparing what companies offer, and their prices, you are sure to find a good deal that gives you the cover you need, but at a reasonable price.

Another, more old-fashioned way of saving money is simply to haggle. You can get online quotes, but there is nothing to stop you then getting on the phone and speaking directly to them. In these difficult times companies are desperate for our business, and therefore often more flexible on price, especially if you are switching to them from another insurer. Nothing ventured, nothing gained they say, and you could get a decent discout if you do this.  If you put these ideas together and put a little time into the process you will be able to find yourself a cheaper static caravan insurance policy than you have now, that offers as good, if not better cover.

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The Right Static Caravan Insurance

Monday, March 5th, 2012

Being a static caravan owner can be a great experience. If you locate the caravan intelligently then you have yourself a brilliant holiday home in a great setting, that you can use whenever you want. However something that need to be considered is the question of static caravan insurance. This will protect you against any nasty surprises.

The insurance available for static caravans in somewhat different to that available for touring caravans primarily due to the fact that they remain in one place, rather than being towed around. This makes any environmental threats local to its location all the more important. Falling trees and flooding are among the specific issues that require consideration, and bear in mind that the caravan is likely to be left unoccupied for the winter months.

Unlike touring caravans, which can be stored when not being used, it is out among the elements all the year round, which makes a comprehensive insurance policy all the more sensible. In many ways it is similar to the home insurance policy you have on your house (or if you don’t, then you should have!), requiring cover for structural and contents damage. You need a policy that will keep you safe in the knowledge that you are secure during those long spells you may be absent from the caravan.

Plumping for the cheapest policy you can find is often a false economy that could well come back to haunt you and your wallet. The crucial issue in selecting a policy is the coverage, once you have a clear idea of your needs, then you can start comparing prices to drive the costs down.

Spending time researching and comparing coverage and costs is time well spent, in that it helps ensure that you get a suitable policy at the best price available. This is where caravan-insurance-cover.co.uk can help you by offering information and access to online caravan insurers.

Our motto, ‘The Right Cover, at the Right Price’ tells you that we are here to help static caravan owners get informed when searching for the right static caravan insurance policy.

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Insurance For Static Caravans: Top Tips

Wednesday, February 29th, 2012

With the increasing popularity of static caravan ownership in these economically challenged times, the issue of insurance for static caravans becomes ever more relevant.

From pre-owned starting around £2,000 (a site called Park Holidays UK were earlier in the year offering them for free!), new caravans starting around £20,000 and top-of-the range costing up to £85,000, there is a price to suit a broad range of pockets.

Similarly there are a range of insurance policies available for the range of budgets.

The main things to bear in mind when insuring a static caravan are :

  • The geographical risks specific to the park (in particular you should be know what the flooding and storm risks are)
  • Theft. make sure you don’t leave valuables there when unoccupied: ensure you have adequate cover for items: check you know what isn’t covered, and if necessary insure them separately
  • Accidental damage.
  • Loss of rental income. What will happen if the caravan becomes unusable during the peak summer months?
  • Liability. If someone should get hurt as a result of something that is deemed your responsibility, you may have to pay some hefty compensation.

These are a few brief pointers to the considerations the static caravan owner needs to make when insuring their caravan, you will find more in depth coverage elsewhere on the site.

Remember always to shop around and compare not only prices, but also coverage when looking for static caravan insurance. Owning a static caravan for your own pleasure and for rental can be rewarding both personally and financially, especially if you have the security and peace of mind of a good caravan insurance policy.

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Find the Right Static or Touring Caravan Insurance Policy

Wednesday, February 15th, 2012

The hunt for a good caravan insurance policy can be a challenge. Due to the very specialised nature of the insurance it can appear difficult to identify the right policy, but this doesn’t have to be the case. The key is to get online which offers you a wide selection of insurers and policies, one of which will be able to provide you with the touring or static caravan insurance policy you need.

Knowledge is power they say, and a good idea is to use sites that provide you with relevant caravan insurance information and also the capability of getting a selection of quotes. This will enable you to forearm yourself with the knowledge while at the same time having the choices that will enable you to compare the different policies available, to find the right policy to suit your needs.

Here at caravan-insurance-cover.co.uk this is exactly the service we aim to provide. You will find plenty of information to inform you about what to look out for, what you may or may not need as part of your insurance, ways to improve security, and importantly ways to save yourself money. We are an impartial service, and make it easy for you to compare what there is to offer so you can find the right policy.

If you are in the market for static or touring caravan insurance make use of the site to help you make the right choice. Making sure you get a number of competing quotes means you are far more likely to find the right caravan insurance policy at the right price.

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Static Caravan Insurance Quotes

Saturday, February 11th, 2012

Make sure you get multiple static caravan insurance quotes if you are an owner. As with any purchase in life it is always better to get more than one quote. The internet provides a wealth of available insurers, making it easy for you to search around to find what is on offer.

Be very conscious though that getting the right insurance is about more than the cost of the policy. Probably more important is the coverage of the policy. You should be very clear in your mind about what you need to cover the caravan for, and ensure that any policy you take out covers those risks to an adequate level.

For instance, if you rent the caravan out, you should be looking for a policy that covers both public liability and provides alternative accommodation. Should someone injure themselves while renting your caravan you could well be found liable and very much out of pocket if you don’t have liability insurance. And if your caravan should for some reason become uninhabitable you will have a responsibility to provide any tenants with alternative accommodation. This could again be a big hit to your pocket.

So when you are looking to get static caravan insurance, make sure you get more than one quote, but also make sure you are getting what you need.

As we say here a caravan-insurance-cover.co.uk, “the right policy, at the right price”.

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Cheap Static Caravan Insurance

Sunday, February 5th, 2012

cheap static caravan insuranceCheap Static Caravan Insurance is not necessarily Best Static Caravan Insurance. Most people realise the benefits of shopping around for quotes to get the best price they can, and when it comes to finding the cheapest policy you can use the internet. The internet provides you with the best of all worlds, the best information, the best choice, and the best prices. This is where caravan-insurance-cover.co.uk comes into its own, as it helps you discover what it is you need for your insurance, and where to get the best premiums.

There are a variety of things you can do to reduce your premiums, and it is worth clueing yourself up on these before you get your insurance. There may be some simple and inexpensive ways to save money on premiums, and reduce the risk of you having to claim in the first place. For instance, the more secure your caravan is, the cheaper it will be to insure. So things like door and window locks can offer great savings on the cost of your premiums.

An alarm is another good choice as this will reduce the risk of your caravan being broken into in the first place.

Site security is another issue that can affect your costs. Clearly the more secure a site, the smaller the risk of your caravan being broken into. If you are looking to buy or site a static caravan, this should be borne in mind. Some static caravan sites are closed for part of the year so you should be aware of the security provided during these periods.

There are also many ways that you can help yourself to keep down the premiums for your caravan insurance and these are worthwhile knowing before you apply for your insurance. One of the many things that will be taken into account when you apply for cover is how safe your caravan is. Therefore if you buy additional security measures for your caravan such as window and door locks then you can make great savings on your insurance.

Getting the cheapest suitable Static Caravan Insurance is a case of being informed, reducing risk, and making the efforts to shop around with common sense. Have a look around caravan-insurance-cover.co.uk to help you find your way. This way you can make some serious savings on your static caravan insurance.

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