Historically, static caravan site owners have typically been a major provider of static caravan insurance. Even if prices seemed a little high, you may have bought your insurance at the site just for the convenience of buying your cover locally and from someone with a vast amount of local knowledge. Or you may have believed that it was obligatory to get your insurance from the site owner.

 

In either case, it may have seemed like a sensible option, particularly since some site owners would usually add on an administration fee if you insisted on buying your static holiday home insurance elsewhere – of course this may destroy any savings that you may make.

 

However, the good news is that with the static home insurance market becoming more competitive (thereby often meaning more attractive premiums as the different companies vie for your business) , there are alternatives to the static caravan insurance offered on site. You do not have to take insurance out from any one place, you are able to search around and compare the cost of cover.

 

You can get quotes for and buy static caravan insurance online, and the cover usually offered by internet sites may be a good deal cheaper than is available elsewhere. Even if your static caravan site provider does charge you a fee for getting your caravan cover independently, you may find that you still can enjoy savings on the cost.

 

So now that you know that you are free to shop around for your static home insurance with a view to getting a suitable deal on your cover, what else might you do to make your money go as far as possible?

 

You might be able to save on the cost of your insurance if you boost up your security on the caravan.

 

Some of the following steps might help you to keep premiums down whilst not compromising on levels of cover.

 

Site and caravan security

 

If your chosen site has a 24-hour warden or supervisor then risks from theft and vandalism may be lower. Adding alarms and immobilisers are also recommended ways of reducing perceived risk.

 

By doing as much as possible to ensure the safety of your caravan your insurance provider typically offers cheaper cover.

 

As an aside, you may find that certain security measures could be obligatory as part of your cover, so do check this.

 

Water damage

 

Damage due to flooding is one on the major risks for static caravans. Avoiding locating your static on a site with a history of flooding generally might sometimes help to reduce premiums.

 

Simple common sense

 

You should also take care of the possessions in your caravan to ensure they remain as secure as possible. This is particularly important if you do not use your static through the winter season when many parks are in any case closed.

 

The provider may lay out some criteria that needs to be met when taking out insurance, such as draining your systems.

 

Resistance

 

Sites may not have changed as much as the caravan insurance market. They may still try to convince you to buy their insurance and charge you a fee if you insist on using your own.

 

So, it is good to know that there are alternatives for static caravan insurance that typically be cheaper than the options offered by the caravan park site owners even when you take administration fees and the like into account. As a static caravan owner looking for insurance you have to take all aspects into account.

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