Static Caravan Insurance offers an insurance policy for touring and fixed site caravans, trailer tents or camping equipment. The maximun claim limit that your caravan or trailer tent is insured for should equal its current market value.
Static Caravan Insurance
If you have an auto caravan that’s permanently sited i.e. with plumbing and a permanent electrical link up, you can and should insure it as you would your main residence. Put simply, static caravan insurance can; protect the caravan car itself against adverse weather conditions and accidental damage, reimburse you for stolen or damaged contents and cover other items on your pitch.
A Static caravan insurance will cover the auto caravan or trailer tent plus:
- Awnings
- External steps
- Toilet tents and portable toilets
- Fixtures and fittings including refrigerators
- Cookers
- Generators
- Gas bottles
- Wheel clamps
- Hitchlocks
- Stabilisers
- Batteries
- Aerials
- Water tanks
And other similar auto caravan attachments from specific perils, for example loss or damage.
- What are the benefits of Static Caravan Insurance?
As with many forms of insurance, the biggest threats facing your property are theft and accidental damage. In the case of static caravans, insurance helps protect you against the changeable weather and gives you a financial safety net if you’re unfortunate enough to be the victim of theft or vandalism.
Listed below are just some of the great options this cover offers:
- Static Caravan Insurance can cover for more than just the caravan – This vehicle coverage also covers items on your pitch such as decking and outdoor furniture against storm and accidental damage.
- Contents cover – The fixtures and fittings in your static caravan are covered as part of the caravan itself. However, this coverage also covers items such as TVs, cooking appliances such as toasters plus other non-permanent furniture such as lamps and ornaments.
- Owner for re-siting costs – If the worst happens and your auto caravan is beyond repair, this insurance policy cover the cost of removing any debris, plumbing the new caravan in (electrics and water) and any fees charged by the site.
- New for old replacements available – When you take out a policy with an insurance company, you’ll be asked for the ‘new’ price of your caravan. If you choose a new for old cover you’ll receive a replacement of the same value should your caravan be damaged beyond repair.
- Cover even if you rent your caravan out – If you choose to rent out your caravan when you’re not there, you can still get cover. Just be sure to let your insurer know your intentions when you take out the policy.
- Flooding cover – Some insurance companies won’t insure your caravan for flooding if they are higher risk.
- Winter protection – When you leave for the colder months, provided you’ve drained down your caravan correctly, this insurance policy cover you against damage caused by frost and freezing.
- Keys and locks – In the unfortunate case of a break in, or if your keys are lost or stolen, it can cover you for replacing the locks on your caravan and even your replacement keys.
- “Falling trees aren’t covered”
With Towergate, you’ll be covered if a tree or branch causes damage to your static caravan provided it is not due to lack of maintenance from the site owner.
- “I need to include all my fixtures and fittings in my ‘sums insured’”
Anything permanently fixed in your caravan is covered in with the caravan itself. As a general rule, if you tipped your caravan upside down and shook it, the things that might fall out would need to be included in your ‘sums insured’.
- "Acts of god’ aren’t covered"
An act of god is an event that happens beyond human control. Storms and other adverse weather are very much beyond everyone’s control and are therefore very much covered by these insurance policies.
- “If a pipe bursts over the winter when I’m not there, I won’t be covered”
Not true. You’ll be covered for damage caused by cold weather provided you’ve drained
down your caravan properly before you leave for the winter. (Subject to the terms on your individual insurance policy)
To help you make the right choice, here are some things to think about when buying your insurance policies.
Consider how you use your caravan – Do you hire out your static caravan? How many days per year do you spend in it? Do you keep valuable possessions in your static caravan?
Ask yourself all these questions and be sure to let your insurance agent know about your requirements. He’ll then work with you to find the best insurance solution to suit your needs.
Consider what you need covered – The sums insured part of your policy will be split into the value of the caravan itself and the items contained in/attached to your caravan. Permanent fixtures and fittings will be included in the value of the caravan itself. Other items may include push bikes, kitchenware and other caravan contents besides laptops and mobile phones. This insurance policy can also cover outdoor items such as decking and outdoor furniture provided it’s contained or stored within the confines of your pitch. The key here is not to leave anything out and if you end up purchasing more items, make sure you add them to your insurance policy to make sure they’re covered.
Know the value of your auto caravan – The value of your caravan will affect your new for old value or replacement value. You should know the market value of your caravan and the ‘buy-new’ value if possible. If you have bought a brand new caravan, finding out these values should be easy. However, if you have a second hand caravan or an older model, it’s best to ask a site manager or insurance agent.
Be sure to tell your insurance company if you need to update your insurance policy – If you need to take more items away with you or you modify your caravan in some way which affects it’s value, be sure to let your insurance agent know so that your insurance cover remains valid. Also notify your insurance company if your storage arrangements change.
