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How to Get the Proper Static Caravan Insurance Cover
Caravan insurance cover is necessary to cover not just your caravan, but the contents within; it also covers other parts of the caravan, such as steps, balconies and skirting. Static caravan cover does vary in terms of what it includes, depending on the type of policy you get.
The first thing you will want to do is to sit down and figure out what you want your policy to include. Do you want what's called "new for old" protection? With this type of cover, you pay a little bit more, but you get "old" possessions replaced with new versions for current retail value; this is beneficial most especially because you are not left simply with a cheque from the insurance company that totals the current value of the lost items; if items are older, their current value is lower and you could be left short of funds when you try to replace old items with new.
Be aware as well that many policies do not cover specific items regardless, or will only do so with a significantly increased premium. For example, small items of value like jewellery, cameras, etc. and other things that are easily stolen and can simply be carried off may not be included as part of a policy. Depending on the company you choose, other items, too, may also not be ensured; check particulars from each company as you do your research.
Another thing you will want to consider for caravan insurance cover is something called "agreed value." For example, if you buy your caravan in "used" condition, but then make a lot of improvements to it, its new "agreed value" may be significantly higher than what you originally paid for. Therefore, the policy you choose should reflect this, so that should something happen to your caravan, replacement would restore you to the level of value you had prior to the damage, theft, etc., happening. The same holds true if you buy a "standard" no-frills caravan, but then make significant improvements on your own to upgrade it.
There are other ways you can also save on your static caravan insurance cover, such as making safety improvements to your caravan. Smoke alarms, anti-theft alarms and other safety devices may make you a better risk for companies and therefore lower your premium costs.
Finally, remember to do your homework before you buy your static caravan insurance cover. Research various companies on the Internet, taking into account reputation, customer service reviews, ease of claims process and amount of time in business as well as the cost of the premiums for the policy you choose. Customer satisfaction in regard to claims processing and reputation should be among your first considerations, even before cost reductions. That said, many providers will also give you a price reduction if you buy your policy online; this is another incentive to do your research and purchasing online versus simply calling in person. It's also easier to shop for insurance cover this way.
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