Cheap static caravan insurance – How you may be able to save

Written on December 31, 2009 – 11:08 am | by admin

Caravan insurance may be essential for your static caravan and a policy typically protects against various risks. While cover is essential it does not have to cost a fortune as there are ways you may be able to keep down the cost of your policy and obtain cheap static caravan insurance.

New for old or depreciation
Providers typically offer insurance for your contents as new for old or they consider depreciation of your contents. If you take out a policy that provides you with brand new replacements for your contents, you may pay more in premiums than if you choose to go with a provider considering depreciation.

The provider may also offer new for old on the caravan itself. This typically means that if your caravan was destroyed, the policy provides a brand new replacement. However, there are typically certain conditions such as your caravan being under a certain age.

Boosting up the security of your caravan
Theft is one of the things your caravan insurance policy covers. Therefore if you payout to have added security on your caravan your provider may offer you savings on your insurance. You may choose to add a good quality alarm, security lighting and have your caravan tagged. Any of these measures may help to lower the cost of your premiums for cover.

Liability insurance
Liability insurance is needed in case a member of the public was to be hurt during a stay in your caravan. If they were then are able to take you to court to claim damages. Your liability insurance typically pays out up to a limit, towards your legal costs. You may be able to choose how much liability insurance is needed and of course, the more you choose the higher the insurance premiums are. However, it is important to ensure that you have adequate cover for your needs.

While your focus may be on obtaining cheap static caravan insurance it is also essential that you take out adequate overall protection and not skimp simply to save money on your insurance.

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