Posts Tagged ‘static’

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Your Static Caravan Insurance Online

Monday, January 30th, 2012

When you are searching for static caravan insurance online you will want to be sure that you get the cheapest suitable policy for your requirements but also you will need to ensure that the policy covers everything you need covered. You should also compare any limits on the policy as one provider may offer more than another for the same price.

Something you will probably want to check in the policy is whether the freezer contents are covered in the event that the contents are ruined. For instance, if the electricity was to be lost for a period of time and the contents of your freezer defrosted it could be quite costly to replace them. However if these are included in your insurance cover you would receive money towards replacing them.

Whilst your personal belongings will be covered in the policy, you will want to check your static caravan insurance policy to find out if the policy includes cover for any monies lost from the caravan by theft. It may be the case that you have quite a large amount of money if you are on holiday in a static caravan, and if this gets stolen while you were away from the van then you stand to the lose all of the money unless your caravan insurance includes this loss in the cover.

If your caravan insurance does cover you for loss of money, then you should check the policy documents to find out what limits would be imposed on this, as the insurance providers will have a limit as to the maximum amount you can claim.

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Caravan Insurance Online: Some Observations

Tuesday, January 24th, 2012

Searching for caravan insurance online makes the task of getting a good policy a whole lot easier. There are quite a number of insurers available with websites ready and willing to sell you their wares. And given how many people have internet access these days, this has become a major market. The internet has been a revolution for so many reasons, and this is one of them.

In some ways this ease of availability comes with a danger, that of buying a policy as a knee jerk reaction. All you have to do is click that button, and you’re sorted!

But you need similar due diligence as in the bad old days of phoning around the various providers. If you make judgements based solely on price you may find you are inadequately covered, and if you buy the first policy that matches your requirements you may well find yourself paying well over the odds. So you need to find a balance.

As an example. Imagine buying a static caravan insurance policy online, thinking you got a bargain, as it was £50 cheaper than the next cheapest quote. Good result? That depends… Let’s say that the static caravan is situated in a park that is on a known flood plane, and the site and your caravan flood. You ring the insurers, but they tell you that it is not covered because it is in a known flood area. That policy for £50 more may well have had such cover. Clearly this is not a good way to save money.

So, you need first and foremost to make sure you have suitable cover, and then you can work on the price. This is where the power of the internet comes into its own. Information is the key, after all it is not called the information superhighway for nothing.

The internet makes it easy to compare coverage as well as price. Identify the policies that cover you adequately, and then compare the prices of them. As we here at caravan-insurance-cover.com like to say ‘The Right Cover, at the Right Price’.

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Buying Static Caravans and Insurance

Wednesday, January 18th, 2012

If you’re thinking of buying a static caravan, then there are a number of things you should you should consider prior to investing your hard-earned money.

When you have found a site you are interested in, it is important that you check with the owners whether the site has ever been subject to flood or storm damage. If it has then this could prevent you getting reasonably priced static caravan insurance for a caravan on the site.

Even if the site owners say it has not suffered flooding you should also check if the site is in an area that is at risk of flooding. To do this you need to know the post code of the site. If the site is in England or Wales, visit the Environment Agency website (at http://www.environment-agency.gov.uk/homeandleisure/floods/default.aspx) and input the post code into the box on the right hand side of the screen. If the site is in Scotland then you should check on then Scottish Environment Protection Agency website (at http://www.multimap.com/clients/places.cgi?client=sepa).

(Please note that these URL’s are liable to change occasionally. If you find this is the case, please inform us so we can update this information.)

You can also check on http://maps.google.co.uk/maps to identify more precisely where the site and particular caravans are and then refer back to the flood map for a more precise indicator to the flooding risk presented. Areas that in particular can be problematic in terms of insurance because of flooding are Norfolk and Lincolnshire, low-lying coastal areas of North Wales, and sites close to major rivers such as the Avon and the Severn rivers.

As with most things in life it is always better to shop around for your static caravan insurance, as this could save you a good deal of money.

You will find that nearly all static caravan/holiday home sales are of sited caravans. The sale will be made either by the owner in the case of a second-hand caravan (with the permission of the site owner), or by the site owner themselves.

Occassionally it may be possible to buy a site without a van upon it an arrange with the site owner to have it sited there. In such circumstances they will expect a significant payment for allowing the siting of a caravan as they would have expected to make a profit on the sale of a sited caravan.

As a result you will pay thousands of pounds more for a sited caravan than an unsited caravan. But you should bear in mind that the amount of insurance should cover the true unsited retail price of the caravan plus the cost of resiting a replacement caravan if it is damaged beyond repair or destroyed. You will find that some policies require that you include costs required for site clearance also.

In your contract there will be rules dictating what must happen in the event of your caravan being destroyed. This may be that the caravan must be replaced with a brand new equivalent model of caravan. If this is the case then you should buy a new-for-old caravan insurance policy, otherwise you may find that your policy falls an expensive way short of what is required.

You should bear in mind that signing up for a static caravan should not be undertaken lightly. The contract can be onerous, and you should seriously consider getting a solicitor to look over it, and make sure that you fully understand what you are signing up to before you put pen to paper. You should in particular make sure that:

  • you have security of tenure
  • you understand what will happen if you ever want to sell the caravan, and are happy with it.
  • you check if there are rules that force you to buy a new caravan after a set number of years.

A very useful publication from the Office of Fair Trading called “Guidance on unfair terms in holiday caravan agreements” can be found at http://www.oft.gov.uk/shared_oft/business_leaflets/unfair_contract_terms/oft734.pdf.

Make sure that you get yourself informed if you are thinking of buying a static caravan, and make sure you have the right insurance policy.

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Make Sense Of Static Caravan Insurance

Sunday, December 25th, 2011

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

Friday, December 16th, 2011

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, November 14th, 2011

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

Sunday, November 6th, 2011

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

Sunday, November 6th, 2011

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, October 31st, 2011

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

Saturday, October 29th, 2011

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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