Do I Need To Insure My Static Caravan?

As with any type of residential property, damage can occur both to the structure and to the content. Insurance can provide peace of mind in the event of an unexpected and unwelcome event.

What Type Of Cover Does Static Caravan Insurance Provide?

There are various different types of policy available, the type of policy will very much depend on what the insurance company is able to offer and the client’s individual requirements. When shopping for static caravan insurance it is a good idea to evaluate multiple types of plans available to suit individual needs and requirements – as this will allow you to get the best price available.

Static caravan insurance can cover the following:

New For Old Replacement

This type of cover will cover the value of a brand new replacement equivalent – therefore insurance will typically cost more than market value insurance. Other factors taken into consideration include the age and value of the caravan, its contents and any additional features such as decking or a hot tub etc. as well as the location of the caravan.

Market Value Cover

This refers to insurance plans based on the market value of the caravan – cover is only provided with the equivalent value of a brand-new replacement. This means that the cover will pay out the value of the caravan at the time, in the case that the caravan is damaged beyond repair.

Content Insurance

A comprehensive content insurance plan should cover all the permanent fittings and fixtures within the static caravan as well as appliances such as the cooker, fridge, electrical items, personal possessions and other items of value. Content insurance is an essential type of cover as a static caravan is an additional residence and many owners invest considerably into the interior.

Loss of Keys

Lock replacement is not only a massive often time-consuming inconvenience, it can also be costly. Several insurance policies offer key protection plans which cover the replacement of any external locks.

Malicious Damage – theft and vandalism

Fortunately, most parks offer robust security for unoccupied caravans with a good level of security and incidents of theft and vandalism are generally low. However, being a victim of this type of crime can be extremely stressful and upsetting, this is further exacerbated by additional financial costs in order to cover the damage. Taking out a comprehensive insurance plan can offer peace of mind in the case of such an unwelcome event.

Storm & Weather Damage

Severe weather can cause damage to the caravan and the pitch itself – static caravans tend to do located in scenic locations which may be unsheltered, leaving them more exposed to the effects of extreme weather, especially during the winter months. Different policies offer different types of cover, which may include or exclude different things such as storms, heavy rain, wind and snow. Flood damage may not be available for example if the caravan is located in a flood plain.

Cover for Falling Trees and Branches

Depending on the location of the static caravan, cover may repair for damage caused by falling trees and branches.

Re-Siting

Some insurance plans will cover the costs of re-siting a new caravan, in the case that the old one is damaged beyond repair. This includes the removal of the old caravan and any remaining debris.

Insurance Plan Pricing

Insurance policies vary considerably depending on the type of plan chosen, the location, market cover vs old for new cover, amongst other things.

Fir View Caravan Park

Our family-run Welshpool caravan park is located in the beautiful Mid Wales countryside, we have years of experience in the management of static caravans and also offer a selection of static caravans for sale. For more information on caravan insurance, please get in touch today.