Mechanical Franchise

As the name of the policy suggests, caravan insurance static cover is taken out by those who have a static holiday caravan. It typically offers protection against a range of events, such as:

Explosion, storm damage, fire, earthquakes, flooding, or strike by lightning;

damage or loss that is classed as accidental;

criminal acts or vandalism;

theft or attempted theft;

loss of rental income that comes about due to an insured event.

As you can see, it can offer reassurance that no matter what happens, your static caravan will be covered against the unexpected. However, you should note that as with all insurance policies, there will be exclusions (these are things which are not covered) as well as obligations you will need to fulfil order to keep the cover in force. With this in mind always ensure that you know what protection the policy offers and what it does not and also what precautions you may have to take as the owner.

Exclusions

When it comes to exclusions, these may be things including:

damage caused by pets;

theft or attempted theft where these is no show of forcible and violent entry or exit to or from your caravan;

theft, loss or damage to garden fences and outbuildings;

the awning if it is damaged by a storm while you are away from your caravan;

where the caravan is your permanent place of residence etc.

It should also be noted that exclusions generally differ among different providers, so it is key that you read over your policy document or ask your provider if you are confused about what is excluded.

Reducing your claims risk

You may be able to help yourself to keep down the cost of your insurance. Even some simple safety and security measures can possibly help, such as installing:

heat detectors or a smoke alarm;

a carbon monoxide detector;

security lighting or security alarms around the outer of your static caravan.

Plus, make sure you have a fire extinguisher and fire blanket in an easily accessible place in your caravan. By using common sense whilst in your static caravan, as you would as if you were at home, may help prevent nasty accidents happening, and you subsequently having to claim on your caravan insurance static cover.