Static Caravan Insurance
The important part of static caravan insurance and lodge insurance is how much to insure for. This will determine how much you pay and how much is paid out in the event of a claim.
What does sum insured mean on a static caravan insurance?
The sum insured is the maximum amount your insurance company will pay in the event that your holiday home is totally destroyed or badly damaged. You will generally be asked for two sums insured – 1.) the structure & 2.) the contents.
The structure is the holiday home and its fixtures and fittings. Some insurance policies also covers things like decking and verandas under the structure section of the policy. Make sure that you are sure what you want covered You also need to consider debris removal and re-siting costs too. Choosing how much to insure you static caravan for is your own decision but we are here to help and advise you on the most affordable and comprehensive static caravan insurance available.
Contents in a static caravans is a little different to bricks and mortar houses as they come with lots of items from the factory. Some things won’t be covered and you have to decide what things you have added that you want to insure.
Static Caravan Insurance – Important It’s in the UK
Those with a static caravan in the UK should consider seeking out static caravan insurance from a dedicated UK provider. From what is covered in the policy to making the claim, there are a myriad of reasons why it makes sense to go with a UK insurance provider. Let’s take a look at the top eight reasons.
UK weather knowledge
A UK provider will know what it is like to own a static caravan in the UK and can cover you accordingly whilst offering essential guidance on looking after your caravan in the winter. UK insurance for static caravans will cover you for storm damage, weight of snow and frozen pipes, provided you have taken the necessary steps to protect the caravan in the first place, such as draining the water and leaving the heating on. A good UK provider can help you to take these steps by offering comprehensive guidance.
The UK static holiday home market is unique. Static caravan ownership in the UK is hugely popular and differs to every other country in many ways. In the UK, park owners require caravan owners to take static caravan insurance out and it is important that you do so through a UK provider that understands not only the way park owners operate but also has a good relationship with the park owners. Here at Coast we have a great relationship with all parks and have the knowledge to get your static caravan insurance right.
UK providers offer policies underwritten by Lloyds Insurance, which is the world’s leading market specialist underwriter. This protects your policy from risk and means you do not need to worry about your policy – it is in good hands.
Criminal damage cover
UK specialists such as Coast Insurance will offer cover for criminal damage. With a knowledge of the UK police system, getting a crime reference number and providing it to your insurer when you make a claim will make for a more seamless claim than when taking out overseas insurance.
Making the claim
Should the worst happen and you need to make a claim, doing so in the UK will be easier and faster. There is no need to call an overseas call centre; instead, friendly UK staff are available on a local line during business hours, ready to help progress your claim as quickly as possible.
Only a specialist UK policy will include cover for re-siting and delivery costs, which can be significant.
Specialist static caravan insurance such as that offered by Coast Insurance has been built around extensive knowledge of static caravan ownership and the type of incident likely to affect owners. This means your policy can include additional features that you would not find with standard insurance, such as rent loss cover, freezer food cover and vermin cover.
The benefits of insurance for static caravans
The benefits are many and include being covered for weather damage whether it’s storm, snow, freezing pipes, frozen locks or flooding. Insurance for static homes, holiday lodges or mobile homes is not currently a legal requirement in the UK, unlike car or buildings insurance. It is however highly advised and is also a requirement of most park owners and contracts. This makes it all but essential for any caravan owner. Provided you take out caravan insurance with an established insurer, you should also be covered for public liability, vital in the current no-win no-fee legal climate.
Another major benefit of static caravan insurance is that it can offer peace of mind to those who are not living full time in their caravan. Those who plan on renting their caravan out to holidaymakers can find that additional cover can help protect against loss or damage by hirers. When the caravan is unoccupied, certain measures need to be taken to ensure that the cover is met, but knowing that should something happen in your absence you are covered, is really vital for may owners.
Protect you from large payouts
As with all insurance, static caravan insurance protects you as the owner from making large payments when something does go wrong. In the case of static homes, this may be storm damage, flood damage or the cost of clearance when your caravan is beyond repair. Having your caravan removed from the site when it’s beyond repair is a significantly high cost, as is re-siting, delivery and the plumbing in of a new one and whilst you hope it never happens, should it do so, you’ll be glad you have the right cover.
Year round cover
It’s highly unlikely that you will be in your static home all year round. Even if it is your main residence and not your holiday home, most parks still require you to vacate for a period each year. Static caravan insurance ensures it is protected when you’re not around. This includes freezing pipes in winter as well as theft and vandalism when the caravan is empty.