Static Caravan Insurance – It’s Not All About Cost

It’s quite ironic really, because most people who shop around for insurance tend think about price more than anything else. In fact, some don’t pay any attention whatsoever to what’s included in a policy and what isn’t.

Six months down the line when a severe storm causes extensive damage to their expensive static caravan, they reach for the phone in order to start the claim process, but then they’re told their policy doesn’t buying propecia online include storm damage. Now in a fit of rage, they tell everyone they know just how useless insurance is, and that it’s a waste of money.

Of course static caravan insurance is going to be a waste of money if you’re not willing to pay anything for it. Static caravans cost a small fortune, especially the newer models which come with all the fancy bells and whistles. Surely you can’t expect any insurance company to provide you with full cover for such an expensive commodity.

Here are a few things you need to bear in mind when you start shopping about for static caravan insurance:

* Most modern static caravans are equipped to extremely high standards. People in general want to continue enjoying all the luxuries they accustomed to having, even when they’re away from home. If you walk into the average static caravan nowadays, it’s not uncommon to see the latest flat screen TV, a name brand DVD player complete with a surround sound audio system.

* Walk into the bedrooms and you find a second TV, while in the kitchen, you see the latest stoves, ovens, microwaves, and of course a fully stocked fridges. If all these items went missing, or they got destroyed for one reason or another, it would cost a considerable amount of money to replace everything. Ideally, you need to assess the value of all the contents, as this will have a direct impact on the level of cover you require.

* Ideally, you need to draw up an inventory in order to arrive at an accurate figure. This is then referred to as being ‘the sum insured’. Many people make the mistake of exaggerating this amount in the hope they’ll be able to claim more if they ever need to. Unfortunately it doesn’t work that way, and if you do this, you’ll simply be throwing your money away.

* On the other hand, some people are so desperate to keep the cost of static caravan insurance as low as possible, that they declare a ‘sum insured’ value which is less than it really is. The problem here is that if you ever need to claim, you may not receive enough money to replace everything, so of course it’s a bit of a gamble.

* Only when you’re absolutely certain regarding the ‘sum insured’ amount, should you go ahead and begin accumulating quotes from the various companies. If after shopping around, you still feel the cost of insurance is too high, then you need to start focusing on things you can do in order to qualify for discounts.

Any reputable static caravan insurance broker can offer you advice, and of course the internet is also full of useful information. You may need to make a few small changes, such as having a security system fitted, but in the long run it will be worth your while. At least you’ll have complete peace of mind in knowing your home away from home is fully covered.

Author Bio: If you’re looking for a quote on static Levitra caravan insurance visit Safeguard UK.

Category: Finance/Insurance
Keywords: Tadacip static caravan insurance

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