(This section provide information about touring and static caravan
and the insurance cover. Not all
insurance policies will have all these sections and of course the limits
under each section will be different.)
Loss or damage to the static caravan -
including fixtures and fittings/ equipment of the static (which could include refrigerators, microwaves, cookers, gas bottles, awnings, steps,
balconies, generators.) This is generally on an 'all-risks' basis so
unless something is excluded e.g. damage to mains cables supplying
services to the caravan, it will be covered.
Replacement of the caravan as new
- following total loss or destruction beyond repair. It must
be less than a certain age and you must insure it for its
current purchase price (or that of a similar model) - this may mean
increasing the sum insured on the caravan each year.
Freezer contents in the caravan
- a typical limit is £250.00 - and a typical exclusion would be if
the electricity supply to your caravan were cut off due to non-payment
Loss of keys to the caravan -
cost to replace locks, doors or windows following
damage to the caravan or the loss of the caravan keys - typical sum
Liability to the public arising out
of the use of the caravan- many site owners may require you to
have liability insurance for your caravan - typical values are
£1,000,000 or £2,000,000. (You can select the level of cover needed
when asking for a quote)
Loss of use of the caravan - and
hiring charges - cover for alternative accommodation if your
caravan is uninhabitable, the hire of an alternative caravan and, if
the caravan site where you have your static caravan is forced to
close, a proportionate part of the ground rent. Typical values are
£50.00 per day and £1,500 in total.
Personal accident benefits -
arising out of the use of the caravan - can cover up to £20,000 for
instance but people over 70 may not be covered and children (under 16)
may have reduced benefits.
Loss or damage WITHIN THE CARAVAN
of contents and personal effects
- We would recommend that any valuable items should be insured under
your house insurance (all-risks section) as the cover is wider. This
section is aimed at covering articles of personal use such as
clothing, luggage and general household goods.
A note about the excess on a caravan
insurance policy - whilst insurance for a touring caravan may have a compulsory
excess of, say £75.00 - if you have a static caravan we have policies
where there is a £100 franchise. If you aren't familiar with the term
- in insurance a 'franchise' means that claims BELOW the level of the
franchise (in this case £100) will not be paid at all but claims
ABOVE the level will be paid in full i.e. no deduction for an excess.
This means that the insurance company will not pay out low cost claims
but provide better cover for larger ones.
When you obtain your quote for your
caravan insurance with us you will probably note one company that is
missing. Although it is very cheap and we are agents we do not like
the cover it provides, the exclusions on the policy nor the way it
works out 'monthly' direct debits.
Static caravan insurance
For more information on static caravan insurance please go
to our static caravan insurance webpage. There
you will find information on static caravan insurance and compare the policies we offer.
For caravan insurance in general have a look at our caravan
insurance main page. There will be explained details of caravan insurance and
information on other related topics.
Quotes for static caravan insurance and touring caravan
insurance are available on our compare caravan insurance quote page.