The main reason why you may wish to compare static caravan insurance proposals is to ensure that you have suitable and cost effective cover in place. If you don't, you may never be sure.
How to compare static caravan insurance
A typical caravan insurance policy of this type will provide cover for:
· natural events and disasters (e.g. storms); · man-made problems typically relating to burglary and theft.
Both of these may affect either the caravan itself or its contents and fittings.
It may also be advisable to consider third-party liability cover just in case someone is injured as a result of your caravan.
The extent to which a policy will provide cover for these things, will typically vary from one insurance provider to another. This is an important area to spend a few minutes looking at when you're trying to compare static caravan insurance.
Things to look at
For example:
· does the policy provide contents cover on a new-for-old or market valuation basis; · will it cover your external fittings and fitments including things such as portable toilets, awnings, satellite dishes and so on; · does it carry an excess and if so, how large is it?
The small print
By definition, all insurance policies need to contain terms and conditions and these may have a large bearing on the suitability or otherwise, of the policy.
You may wish to compare:
· are you obliged to fit alarms and additional security devices; · are there conditions that relate specifically to the types of site that are permissible under the policy; · is damage due to flooding excluded in certain coastal or flood-prone areas; · are you obliged to drain down all your water systems when the caravan is not in use over the winter?
This is not to say that any of these conditions are unreasonable - just that you may wish to compare them between caravan insurance policies just to ensure that your policy is a good fit to the way you see life.
Find what's suitable for you
It's really once you've looked at what a policy is offering and under what terms and conditions, that you'll be ready to start to worry about the price.
The basic fact of life with insurance is that having the cheapest cover available may not ultimately be of much use if the static caravan insurance isn't actually offering cover that meets your needs.
Once you've done all that, you will have finally completed your efforts to compare static caravan insurance!
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