Choosing The Most Suitable Static Caravan Insurance For Your Needs
Choosing The Most Suitable Static Caravan Insurance For Your Needs
When it comes to choosing the most suitable static caravan insurance for your needs there are many things to consider. There is no one policy that fits all so to speak, what could be right for you might not be suitable for someone else. Therefore it can pay to shop around and take your time when choosing your policy.
Luckily the internet is a great resource and tool for finding caravan insurance quotes for your static caravan. There are numerous providers online and as such they offer very competitive quotes. One of the easiest and quickest ways to take out insurance this way is to check quotes using a comparison website. This means you only have to put in your details just once to be able to compare from a whole host of providers. However when comparing the cost of cover you also need to check the benefits in the policy and the small print.
Excess on the policy
Bear in mind there is always a certain amount of excess has to be paid if you make a claim. This sum of money needs paying in a lump sum out of your pocket. While offering to pay a higher excess can lead to making some savings on the premiums, if you do have to make more than one claim in the year, you could lose out. Bear in mind also that if the premiums for insurance seem cheap it may be due to the fact that the excess is high.
The benefits to insurance
The typical static caravan insurance policy provides you with numerous benefits. However there could be limits so check these when checking the excess. For instance the policy would only pay out so much towards the loss of the contents of your freezer, with some providers this could be more than with others.
Accidental loss or damage may be included in your insurance policy. Accidental damage typically covers such things as your TV and any other electrical equipment in the caravan. It might also cover fittings and fixtures in the bathroom, the panels of your caravan and windows and skylight.
The contents could be insured against damage, destruction or theft. You could get new for old cover in which case you get brand new goods or the provider might consider depreciation. Always make an inventory of the contents to ensure that you have adequate cover in the event that you lose everything.
Third party liability cover is offered and is essential if you rent out your static caravan to others. Check the wording of any static caravan insurance you are thinking of taking out to find out how much liability insurance is offered as there is always a limit. This part of the cover pays out towards your legal costs if someone gets injured or dies while staying in your caravan and it is deemed to be your fault. You could also want to make sure that personal accident cover is included in the policy too.