Static Caravan Insurance – The Essentials 

Knowing the essentials to look for in your static caravan insurance, can help you make an informed decision. Here are a few things we think may assist you in your choice.

  1. Don’t forget maintenance

Firstly, a point about maintenance, which is often mentioned as an afterthought, but is an important consideration to keep in mind. Any buildings insurance cover will require a minimum level of maintenance to make sure that everything goes through smoothly. You might want to make sure you have checked what is required for the policy you choose, as static caravans have specific maintenance requirements.

  1. What is included as standard?

It essential to know what is included as standard in your static caravan insurance cover. Check whether your static caravan insurance offers comprehensive cover for flood, fire, theft, storm and vandalism. There may be some items that are not so obvious to include. For instance, it may be worth finding out if freezer contents cover comes as standard, or cover for loss of keys, as provided by Park Home Assist. In addition, asking what are the flexible options on your cover, may help to find what is right for you at the best value.

  1. What optional benefits are available as extra cover?

One such option you may want to consider is home emergency cover. This cover gives you the reassurance that in a range of emergencies from boiler breakdown to pest infestation, you can make one phone call to us and we will send professionals to assist with the emergency.

Another option that may be of interest to you is legal expenses cover, which can be of assistance should you be involved in a legal dispute to do with your property. It may be worth asking about this when you get a quote. Our advisers are trained to take you through all the options, so you can find what is best for your circumstances.

  1. New for old cover

A new for old option is something you may want to consider. It is a good idea to check what this means exactly, especially in the case of a total loss. For instance, static caravan insurance from Park Home Assist provides new for old cover for static caravans under twenty years old. You may also want to check that, in the event of a total loss, for example, the replacement cost covers site clearance and re-siting your static caravan. This can avoid unnecessary and unwanted surprises down the line.

  1. Are you letting out your static caravan for holidays?

If you are intending to let your static caravan to holiday makers, you may want to add optional cover for this as most policies do not include it as standard. You will also need a sufficiently high level of public liability insurance, whether you are intend to use it as a holiday let or not.

  1. Are you covered for loss of use?

If your static caravan is rendered uninhabitable by an event covered by your insurance, are you also going to be covered for a loss of use and possible earnings if you are letting it out? Will you be covered if you need emergency accommodation, or can you add this as an optional cover? You may want to check what is included in any policy you buy.

  1. Do you need contents cover?

Contents cover does not always come as standard with your buildings insurance, so you may want to add this as an optional extra. You may also want to consider cover for accidental damage to the contents of your static caravan.

  1. Is your insurance cover provided by people you can easily talk to and who are going to listen to your specific circumstances?

The best cover is not just about the price of premiums or even simply what is covered in your policy. It is essential to know that you are going to be talking to the right people, in the event that you need to make a claim. Park Home Assist is a family-run business backed by Lloyds insurers, with a multi-award winning team ready to take your calls and enquiries. Call us now on 01604 946 796 to speak to one of our representatives, who will help tailor your policy to your specific needs.

We hope this article on the essentials of static caravan insurance has helped you to define what you need according to your individual circumstances.

This is a marketing article from Park Home Assist, multi-award-winning providers of residential park home insurance.  If you would like to speak to an advisor regarding insurance for your park home, please contact our friendly team in our Northampton office on 01604 946 796.

Please note that all insurance cover is subject to acceptance of terms and conditions.

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Published – 13/10/23