Getting an Online Caravan Insurance Quote that Works by NACO Services
Your online caravan insurance quote is your first step to having caravan insurance UK. Be aware though that the ownership and use of Caravans carry some special conditions that a normal (i.e. every day or household name) insurer may not be capable of covering – simply because it doesn’t know that they exist. Caravan ownership and caravan insurance are specialty areas, so you need to take that into account when you start looking at your quotes.
If you have owned your caravan for some time you will already know what we mean. A Static Caravan is a wholly unique type of object – neither building nor vehicle; it is subject to all sorts of risks that you wouldn’t get if it were only one or the other. As a result, your online caravan insurance quote really needs to come from a source that has a familiarity with the kinds of things in question.
A good caravan insurance UK provider will be composed of, or at least employ, a good number of people who have direct experience of static caravan ownership. The average static owner will know well about weather damage, cold damage, tiny leaks that can cause huge internal problems, changes in ownership of sites that deliver potential legal problems – how much of this stuff does your average every day insurance company employee have any idea about?
One of the defining weirdnesses of a static caravan – and so one of the major reasons to get your online caravan insurance quote form an organisation that knows its statics – is its unprotected nature. You can be nowhere near your static for months on end, while the wind and the rain and the cold all have a go at it. While you do have some cover in the form of your site owner, your protection there is only as good as his or her dedication to checking out the vans in his or her field. Your caravan insurance UK provider should be capable of building clauses into your policy that take long periods of absence while weather odes its thing, into account.
The fragility of a static caravan is well known to anyone who has ever lived in one. The thing is essentially a box shell made of aluminium, with insulation if it has been winterised and none if it has not. When you get an online caravan insurance quote you should try to find out if you have protection against pipes bursting; internal rotting; and the mould that can build up all over the ceiling as the result of the smallest leak in a seal. You should also be protected for carbon damage caused by old gas fires.
The newer your static caravan the better it will behave. All vans, though, have a character of their own – make sure you have proper caravan insurance UK to deal with yours!
About the Author
NACO, the National Association of Caravan Owners offers excellent caravan insurance UK. It also provides advice and guidance on caravan ownership, static and online caravan insurance quotes and Holiday Caravans home information.
Flaming Gnomes – ‘Love Song With Flute’ – excerpt from Classic Caravan track
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