Static caravan insurance – hints and tips
You need to know that you have the right policy for all your static caravan insurance and park home insurance needs and feel satisfied your holiday (park) home is in safe hands if things go wrong. All our holiday home claims are handled in house by an experienced and specially trained team and there is a 24/7 claims notification line available to all policyholders.
Having listened to customer requests, we have compiled a list of holiday caravan and leisure home insurance “hints and tips” that may be of use to holiday (park) home owners:
- Is the insurance cover on a market value or new for old basis ?
- What is the policy excess for the structure and the contents ?
- Are you covered for debris removal and the re-siting costs ?
- Is your Sum Insured sufficient to include any sales commission required by your park owner ? (This can add more than 30% to the manufacturer’s price).
- Make sure your single article limit and contents cover are sufficient.
- Is your sum Insured enough for extras such as decking, balcony steps & storage units ?
- Pay particular attention to the occupancy period, when you need to ensure the water systems are fully drained and turned off at the mains or the heating is left on a minimum or frost setting. Just as you would for your main home.
- When comparing policies look at the extras that may be included. (We offer loss of key cover, loss of use and personal accident cover – all included as standard).
- Is your public liability cover sufficient to meet the needs of the park ? (We can provide up to £5 Million cover where required).
- Check if your site or park has a history of flooding and see what action has been taken to reduce the likelihood of damage to your holiday home. (We are happy to offer full flood cover in most cases where a floatation device has been installed).
Finally, don’t feel pressurised into buying your holiday home insurance through your park owner. As this practice is illegal, you can report such instances to the Financial Services Authority (FSA) on telephone number 0845 606 1234.
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