As your holiday home caravan will be your home away from home and you could spend many months out of the year in it you need to ensure that you have the correct insurance for your needs. Taking the time to shop around for your static caravan insurance policy can save a great deal of financial heartache if the worst case scenario should happen and you were to lose everything.

If you take out a fully comprehensive static caravan insurance policy then you would have the same protection as if you had chosen third party fire and theft insurance plus a great deal more insurance for your caravan. If your caravan is over a certain amount or a brand new top of the range model that comes with all the mod cons then you would need to take out fully comprehensive. The insurance can differ greatly depending on the provider you choose to take out the policy from. Therefore you would need to check out the terms offered very carefully as there could be limits and exclusions.

Agreed values

If you have a brand new model then check to find out if you have agreed values in the policy. This means that you would have your caravan valued and then if the worst happened and you lost everything this would be the sum of money that you would get back from the policy. This would include not just your belongings but the caravan itself if it was under a certain age. If you have this insurance then it would cost more than a policy that took deprecation into account as if it did then items and belongings would not be replaced as new.

Security

You also want to check that the caravan is as secure and safe as possible. If you have your caravan on a site that is well maintained and is behind fencing or walls and there is security lighting on site then you could save on the insurance. You could also make savings if you were to install window locks and had an alarm system installed. You could also save if you fit a smoke alarm and have extinguishers in the caravan as these are all measures to stop your caravan suffering damage or being burnt down to the ground.

Being a member of a caravan club can also help you to make savings on your insurance. Anyone who takes the time to become a member is seen as being a reliable and mature caravan owner which goes towards you being safer which brings the cost of the insurance down. If you are a younger caravan owner then look for static caravan insurance that is aimed at offering the younger owner discounts. The younger generation are often asked to pay higher premium on all types of insurance but there are some insurance providers that sell insurance with this generation in mind. You could also offer to pay out more in excess than what the provider asks for. All will set a minimum amount of excess you would have to pay out in the event of making a claim but you could pay more to keep down the cost of the insurance.

George is the Webmaster of various UK sites dedicated to giving UK residents maximum online choice for all types of insurance. Why not visit Endsleigh Car Insurance : for a fast online quotation today, without obligation.