For a lot of people, their Static Caravan is a home from home and so it’s of the essence that it is protected against all eventualities. Even if your caravan is based on a Static Caravan park in North Wales, which boasts some of the tightest and well advanced security systems, there is still little to no protection from the unexpected dangers and damages such as; floods, fires, storms and other harsh weather conditions – and so it pays to be insured.
There have been many storms in the last 12 months that have damaged some Static Caravans beyond repair, as our coastlines have been lashed with bad weather and many parks have been flooded. Not only that, but also many owners have failed to winterise their caravans, leading to burst pipes and damp issues.
Your Static Caravan represents a significant investment, and needs to be structurally sound for you to stay in. In addition most caravans are filled with many home comforts that can be very expensive such as televisions, media players, home cinema systems as well as your kitchen essentials like cookers, washing machines and microwaves.
It’s not just those items you need to protect though, as your soft furnishing can be forgotten amongst all this. Decorated interiors, carpeted floors and curtains for all windows can be very expensive to replace. Your insurance policy should cover the cost of replacing not only your caravan, but your contents too!
If you are subletting your caravan then you do need to have public liability insurance, to cover any damage to the interior or exterior of the van if your caravan is still under hire purchase from the site. It is your responsibility to ensure that the caravan is in pristine condition, inside and out – as well as this obviously being more comfortable for you and your family.
If guests left the caravan in a poor state, maybe with burns or stains in the carpets or broken equipment then you need to be covered for this to ensure it can be replaced quickly (ready for the next guest) although vetting your guests and asking for a security deposit is a good plan to put in place too.
Of course, no one wants to think that anything will go wrong with their beloved holiday home, but dealing with insurance at the outset will ensure that if the worst does happen, you will not be out of pocket, and will be able to repair and carry on enjoying your caravan holidays.