Would you like to take more holidays? An excellent way to be able to take more holidays is by owning a static caravan. Owning a caravan will enable you to take breaks at much shorter notice, and a lot cheaper than is normally possible.
However, if you're considering investing in a static caravan, then there are a number of things you should you should consider before signing away your money.
Unlike touring caravans, static caravans can be prone to various geographical risks at the park where it is kept. Such unforseen events as flooding, falling trees and storms are forgotten about by lots of potential owners, irrespective of the fact that these occurrences are not uncommon. On top of this there is the risk that during the winter months pipes can freeze and burst, which is a big problem to static caravan owners.
Once you have found a site that interests you, it is very important that you check with the site owners whether the park has ever suffered flood or storm damage. If they tell you that it has then this could prevent you getting affordably priced insurance for a static caravan on the site.
Even if the site owners say it has not experienced flooding you should also do a further check to identify whether the site is located in a flood risk area. To achieve this you will require the post code of the park. If the park is located in Wales or England, then you want to go to the Environment Agency flood information page on their website and type in the postal code into the field on the right hand side of the page. If the site is in Scotland then you want to check on the website of the Scottish Environment Protection Agency.
It would then be a good idea to check on google maps to locate more exactly where the site and particular caravans are to the flooding risk presented. Areas that can prove difficult in terms of insurance because of flood risk are Lincolnshire and Norfolk, low-lying coastal areas of North Wales, and sites near major rivers such as the Severn and the Avon rivers.
You will find that nearly all holiday home/static caravan sales are of already sited caravans. The sale will be made either by the owner in the case of a second-hand caravan (with the permission of the site owner), or by the site owner themselves.
You may find it is possible to purchase a site that doesn't have a van upon it and arrange with the site owner to have it sited there. In such circumstances the owners of the site will expect a significant payment for allowing the siting of a caravan as they would have expected to make a profit when selling a sited caravan.
As a result you will pay thousands of pounds more for a sited caravan than an van that is not sited. But you should remember that the need to check that your insurance policy covers you for financial loss should the caravan becomes unusable. If you don't then you could be setting yourself up for an unpleasant double whammy: the loss of rental income while the caravan is being repaired: plus the excess costs for any repairs.
You should also ensure you have liability insurance if you rent out the caravan. In the unfortunate event that someone is injured (or worse) resulting from something for which you are deemed to be at fault, then you face the very real possibility that you could be many thousands of pounds poorer. Liability protection will ensure that any court and medical costs incurred by you as the result of such an accident will not have to come from your pocket.
You are very wise to get yourself educated if you are considering investing in a static caravan, and also make very sure that you have a suitable insurance policy. Obviously it is a wise move to shop around for your static caravan insurance, as this will probably save you a good deal of cash. You will find there are a number of excellent insurers on the market, ready to provide you with exactly the policy you need.
www.caravan-insurance-cover.co.uk is the uk's leading caravan insurance comparison website. To find your
static caravan insurance quote come on over and have a look. You won't regret it.
