What does static caravan insurance cover?

At the risk of stating the obvious, the only way to be sure what’s included in your static caravan insurance policy is to read it thoroughly.

That’s because there can be significant variation between static caravan insurance policies. Please keep this in mind when reading further and that as a result, this article is by definition a generalisation.

It may or may not apply to your individual policy circumstances.

The foundations

As you might expect, a typical static caravan insurance policy will provide cover for:

  • your static caravan in the sense of covering its structure against specified perils. They might include flood, fire, storms and so on;
  • the contents of your static. As many owners have theirs equipped like “homes from home”, this shouldn’t be overlooked. It’s typically aimed at perils such as loss due to storm damage or burglary etc.;
  • public liability. This may well be a site owner’s requirement and typically covers you for successful claims that someone else’s property has suffered damage (or they’ve suffered injury) as a result of your static.

Although these elements of cover are commonplace, don’t underestimate just how much policies may differ from each other in terms of how they define these things. In fact, it’s sensible to consider those variations in terms of two headings:

  • the definition of the nature of the peril. One illustration might be where a policy defines “normal heavy rainfall” against a definition of a “flood” (meaning coastal waves or rivers bursting their banks etc.);
  • the conditions applied to the cover. A good example here might be where burglary is only covered if you have fitted certain minimum levels of approved security locks and bolts. Or, the caravan is located on a site with 24×7 supervision and security.

Note that there’s not a good or bad position here. These variations are normal and they may or may not be important to you. It is though essential that you understand them and have satisfied yourself that they make sense in terms of the cover you require.

Options and additions

If the above are core components typically found in one form or another in most static caravan insurance, other things are less routine. They may though be worth considering.

They might include:

  • external accessories such as paddling pools, awnings and related items;
  • transportation insurance. That might be required on those perhaps typically rare occasions where a static caravan is moved between sites;
  • letting insurance. Remember that typical static caravan insurance assumes that it will be the primary owners or close family using the static for perhaps a few weeks per year for their personal leisure purposes. If you start letting your caravan and obtaining rental income from it, you may require different cover and should discuss this in advance with your policy provider. Remember also to check with the site owners as some pitch agreements might exclude that possibility.

Site insurance

It’s not unknown for site owners to strongly suggest that it’s obligatory to take their static caravan cover.

In fact, that’s typically not the case, unless your site contract or lease explicitly states it. You may find that finding your own policy will be more cost-effective than taking the site owner’s.

The site owners may have the right to inspect your cover to ensure that it is appropriate and up-to-date. It wouldn’t be unreasonable for them to make a small administrative charge for doing so or taking a copy etc.

But it means you are free to shop around for your own static caravan insurance and make sure you buy cost-effective and suitable cover.

Tags:

Comments are closed.