Static Caravan Insurance

Protect your precious investment with cheap static caravan insurance. Do you have a static caravan? Static caravans are also called mobile homes or trailers. They are prefabricated homes that are constructed in factories and then transported to the site where the owners will occupy it. Other countries use static caravans for temporary accommodation on campsites.

If you only visit your static caravan during the holiday season, you may not think it is important for you to get static caravan insurance. However, that should not be the case. While you are gone, many things can happen to your static caravan. Don’t let yourself worry over what possibly could happen to your static caravan while you are not around. Don’t risk it.

Erase all worries by purchasing a static caravan insurance policy. There are many static caravan insurance providers. You can conduct an online search for reputable and suitable static caravan insurance companies. Do research on the reputation and quality of service of these companies. Make sure to compare quotes and policies so you will get the best deal possible. Check out customer reviews and feedback as well. Inquire among friends, relatives and associates who may be familiar with different static caravan insurance providers and policies.

It is indeed important to insure your static caravan. There are many possible risks and dangers your static caravan can fall victim to. Older static caravans may be at risk of water leaks on the roof. Wind damage can result in a large dent on your caravan. Branches or flying debris can also break the windows or walls of your caravan. Fire is another major threat. A static caravan insurance policy would definitely be of great help for such instances.

It’s not only Mother Nature that you would have to worry about. Criminals also love to target static caravans. Thieves and burglars may want to rob holiday caravans because they think no one is around and they can easily get away with it. You can get a static caravan insurance policy that covers theft too. Without insurance, there may not be a chance for you to recover the stolen or damaged items. There are static caravan insurance policies that can replace the stolen or damaged goods. Vandalism and accidental damage are also concerns. Damages may be expensive to repair so it is wise for static caravan owners to get good coverage.

You might also want to consider installing additional security features on your static caravan to make sure that you are completely covered against all unpleasant possibilities. Having security features may also help reduce your insurance premiums.

If you have a static caravan that you and your family only visit during the holidays, make sure to get it insured. Protect yourself and your family from the financial damages caused by environmental hazards or theft.  Avoid the emotional and financial stress. Perform thorough research on the static caravan insurance policy that will suit your needs. Static caravan insurance will put your mind at ease and prepare you for untoward incidents.

Be sure you get cheap static caravan insurance quotes by visiting several insurance websites, and comparing the prices they have to offer.

Do you have a static caravan as a holiday home? If so then you should seriously consider taking out a fully comprehensive static caravans insurance policy on it. The site will insist on you having at least liability insurance, especially if you rent it out to others. Fully comprehensive insurance will cover you for a large range of potential issues.

So what is covered?

All static caravan insurance policies will cover your belongings and possession that are in the caravan. This includes the TV, linen and bedding, the toilet, any gas bottles, and any awnings amongst other things. However there will be limits imposed on these, so you should check what these are before committing yourself. You should in particular focus on the more valuable items, to ensure they have adequate protection.

Accidental damage is definitely something you should consider if you do rent the static caravan out. And also coverage to ensure that in the event of the caravan being damaged and unable to rent, any loss of rental can be reclaimed. Bear in mind that if the caravan were to be out of action for a few months in the summer, you could be talking about a serious amount of money.

Be sure also to check if alternative accomodation would be provided in such circumstances. This means that you or the guest would be able to stay in accomodation paid for by the provider whilst the caravan is repaired or replaced. Bear in mind that there will be a limit to the amount of days, and amount per day that would be paid.

So what type of cover do I want?

Your main choice here is ‘new-for-old’ and ‘market value’. New-for-old will replace the existing caravan with a brand new one, should it become damaged beyond economic repair. This will only be available for newer caravans. Older caravans will have to go for the ‘market value’ option, which will pay the prevailing open market value of their caravan given its age.

As with all things in life, even when you have the main considerations covered, ALWAYS CHECK THE SMALL PRINT. Just in case there are any hidden nasties, or exclusions that particularly apply to you and your caravan.

static caravan insurance is an essential requirement. If you own a static caravan and don’t have it, you are asking for trouble.

Owning a static caravan is a great way to take more holidays, and at much shorter notice than is normally possible. Unlike a touring caravan though a static caravan is prone to many geographical risks in the campsite where it is kept. Many people ignore the risks of things like flooding, storms and falling trees despite just how common they are. There is the risk in winter of burst pipes, which can cause major major problems.

The biggest risk for static caravans however is theft and accidental damage. As many caravans have some contents in the van when unoccupied, such as kettles,  microwaves, etc… these are at risk of the opportunist thief.

So you need to consider all of these things when considering static caravan insurance. Try to protect against them the best you can, but very importantly, ensure you are properly insured.

If you rent your static caravan out then you should make sure that you have protection against a loss of income in the event that your caravan should become uninhabitable. If you don’t then you could be hit with the double whammy of the excess of any repairs AND the loss of income while the caravan is repaired.

You should also ensure that you have liability insurance if you rent your static caravan out. Should a guest get hurt due to something that is deemed to be your fault, you could find yourself many thousands of pounds out of pocket. This protection will cover any medical and court costs you may incur as the result of such an accident.

A little thought and planning can save you a considerable amount of heartache and cash. So make sure you know the risks, and make sure you have them covered. Make sure you have the right static caravan insurance.

Static caravan insurance quote providers, Towergate Bakers, have published these 5 unusual caravan insurance claims:

1. The earth moved for them

One young amorous couple parked up their caravan on their maiden caravan holiday, and were keen to try out the caravan (if you know what I mean). They unhitched the caravan, and in their enthusiasm to ‘try it out’ they neglected to put on the brake. As they were testing the bed rather vigorously, this caused the caravan to move, and it rolled down the slope they had parked it on, into a stream at the bottom of the hill. Oh dear…. how was it for you?

2. Corny

I like corn-on-the-cob just like the next person, but I’m not an addict. One lady had 50 of them stolen from her caravan. For starters… why did she have so many of them??? And… who on earth would want 50 corn-on-the-cobs. That is one disappointing haul.

3. Lights on, no-one at home

Dim… that’s what it is, certainly for the chap who decided to claim for a lightbulb he broke trying to replace an old one. So, that’s… fill in the claim form… send off the claim form… process the insurance claim… issue the cheque… all for the princely sum of £1.30.

4. The Fire King

Uh..hu..hu. Who would have thought that Elvis, over 30 years after his untimely death, could have been responsible for the demise of a caravan? Well, as it happens one devotee decided to build a shrine to the jump-suited one in his caravan. One evening after a bit too much of the booze he passed out, leaving the candles on his shrine burning. The owner is now in heartbreak hotel after the caravan caught fire and was destroyed. Luckily a neighbour noticed the fire and dragged the devotee from the caravan without any harm coming to him.

5. I am from Lithuania, and I come in peace

One spring a couple decided it was time for a spot of spring cleaning to their caravan, which had been parked up on the drive through the long, dark winter. Imagine their surprise when they found that it had been completely trashed by a Lithuanian immigrant who had been squatting in it the whole winter!

Being kind types, they didn’t press charges, on condition he went to a hostel. The police escorted the fella there, but before you could say ‘a bottle of vodka and two pigs ears please’ he was back again in the caravan. This time understandably the couple weren’t so generous, and the chap got his collar felt.

What a wonderfully strange world we live in.

Geraldine Smith, MP for Morecambe and Lunesdale recently swapped the House of Commons for Bolton Holmes Holiday Park, a caravan holiday park  near Carnforth. This was timed to coincide with ‘British Tourism Week’, an initiative led by the UK’s tourist boards, which has HRH the Prince of Wales as its patron.

Ms Smith met with Mr Michael Holgate, a director of the Cumbrian family  that is behind the £4 million project. The project will bring together two caravan parks which already exist at Bolton le Sands.

The new park will create at least 20 new full-time jobs when it opens sometime later this year.

The Park will cover 140 acres, providing around 120 privately-owned caravan holiday homes. In addition there will  be about 200 pitches available for touring caravans, and campers.

Extensive landscaping work is also planned, along with conservation initiatives, and some new roadways.

Ms Smith said: “In areas such as rural Lancashire, tourism plays a vital role in supporting all types of businesses, from shops and pubs to visitor attractions.

She continued, “in terms of helping employment, every two caravan holiday homes support one rural job according to Britain’s tourist boards.

And closed by saying, “For this reason the investment in Bolton Holmes as a prestigious new park development for the area is to be applauded, and I wish the Holgate family every success.”

I am glad to see the government giving at least some backing to an important industry for the UK, and I wish best of luck to the park.

Caravan insurance customers have been invited to nominate their favourite caravan holiday destinations by Caravan magazine.

The mag has a new feature in its ‘your sites’ section which is going to list the top 101 of these sites as nominated by the readership.

There are a few different categories for nominations.

• The ‘Extra Mile Award’.
• The ‘Wow Factor Award’, intended to highlight the most outstanding sites in the country.
• The ‘Close To Nature Award’, which is looking for sites with environmentalist credentials. Sites that look to conserve energy and protect the country’s natural habitats.

So, if you’ve got any sites you feel deserve such recognition, get over there and put in your nomination. Share your experiences with your fellow caravanners.

Beverley Jeffs, a South Derbyshire woman, and her brother Michael are on trial at Derby Crown Court for allegedly having sold a caravan after reporting that it had been stolen, with the intention of making a false caravan insurance claim.

Jurors hear how Jeffs, 49, and her husband Brian, bought the motorhome in 2004.

The couple split in 2006 against the wishes of Mr Jeffs’. Following which, he took the motorhome as a temporary place to live in.

Three weeks later he returned it to their marital home, at Stanton Brooks Close, Walton-on-Trent, aided by his brother Michael Jeffs, who subsequently posted the keys through the letter box.

The caravan was then reported stolen in Feb 2007 by Jeffs, of Bretby Hollow, Newhall.

Meanwhile, Jeffs’ brother, David Porter, having changed the registration plates sold the caravan to his landlord, David Treasure, for £15,000.

Mr Treasure is claimed to have taken £3,000 from the price to make up for Porters’ rent arrears, and then given him a cheque for £700, so he could buy a van and, a further £40 cash to buy petrol.

In court, Mr Treasure gave evidence, saying: “I think it was the sister selling it herself because the brother-in-law hadn’t paid for it originally.

“I always understood he was selling it on behalf of his sister, not his brother-in-law.”

Prosecutor, Abigail Joyce, read out Jeffs’ and Porter’s original police interviews to the jury. In this Jeffs denied all knowledge of her brother having taken and sold the vehicle.

Porter said in a statement read to the court: “He (Brian Jeffs) texted me and said where the keys were and the wheel clamp.

“He told me to sell it for £20,000 and not to go less than £15,000.”

The statement continued: “He didn’t want my sister to have it. As far as I’m concerned I haven’t done anything wrong — that’s why I registered it in my own name.”

Jeffs denies providing false representation and perverting the course of justice, while Porter denies disguising criminal property and fraud .

The case continues…

The National Caravan Council (NCC) has met with the governments’ business secretary Peter Mandelson to discuss the industry’s future. The meeting was described as ‘positive’. The NCC are aiming to get the government to support the motorhome, touring caravan, and caravan holiday home industry during the current recession.

At the meeting, which was attended by MP’s Alan Johnson and John Prescott, the NCC highlighted the £6 billion contribution made by the caravan industry to the UK economy.

John Lally, Director-general fo the NCC, explained that the NCC had requested that “constructive steps be taken”.

Lally noted that the government “recognises that it is a difficult time for the UK caravan industry and that there are a number of challenges”.

He continued, “we have been given the opportunity to work with government to explore collaboratively a range of measures to improve the situation for the industry.”

Let’s hope that the government are true to their word and do help out this very important industry.

When is a house not a house???

Apparently when it’s a static caravan in Midlothian.

60-year-old Joyce Douglas has lived in her 2-bedroom bungalow for the past 8 years, paying over £700 a year in council tax. She was diagnosed with MS seven months ago, and applied for help to adapt her home to cope with the effects of the illness.

Joyce, who walks with 2 sticks has been washing at the sink as she is no longer able to get in and out of the bath. All she was seeking was a walk-in shower.

She was supported in this application by Dr Belinda Weller, a consultant neurologist with NHS Lothian, who wrote to the council to back her case.

The council however refused to fund the £5000 conversion on the grounds that it is considered a ‘static caravan‘, which is not regarded as a ‘permanent address’.

As Joyce herself puts it: “It’s cemented into the ground – it’s not like I live in a tent – I couldn’t take it anywhere even if I wanted to.”

So the council are happy to regard it as a house for the sake of collecting taxes, but not for the sake of spending that tax money! This strikes me as unfair, and gross double-standards.