Insurance For static Caravans
A caravan insurance policy specifically designed to provide first class insurance for your fixed site caravan. The Caravanwise static caravan insurance policy provides comprehensive cover for loss or damage to your caravan, specified equipment and contents as detailed below.
If insured on a new for old basis fixed site caravans up to twenty years old are replaced as new when damaged beyond economic repair. In the event of a total loss the cost of clearing the site and reinstating the replacement caravan is covered provided this has been included in your sum insured. Not all caravans can be insured new for old but if you have a new caravan or your caravan is currently insured on a new for old basis we will be happy to quote on this basis.
- Insurance cover is provided whilst hired out.
- £2,000,000 third party liability insurance cover.
- Cover for the cost of disconnecting and reconnecting services if your caravan has to be moved to carry out necessary repairs.
- Up to £75 per day for up to 15 days for temporary accommodation or hiring another caravan if yours is temporarily uninhabitable. Loss of hiring charges for bookings made before the date of the incident up to £75 per day for a maximum of 15 days.
- Cost of removing your caravan to the nearest competent repairer.
- £10,000 fatal injury benefit.
- You can authorise reasonable repairs of up to £250.
- Standard policy excess £50 on all claims.
- Contents and personal effects may be covered at the same insurance premium rate as the caravan.
Exclusions
In common with virtually all caravan insurance policies, NIG, the insurer will not pay for a loss:
- While caravan is being used as a permanent residence or for any trade, business or profession. Note: The caravan is covered for being hired out for holiday occupation.
- Loss caused by wear and tear, deterioration and gradually operating causes including insect and vermin damage.
- Mechanical or electrical breakdown.
- Theft of any unfixed contents, Personal Effects, Clothing and Luggage, Audio & Visual Equipment and Sports Equipment from the caravan UNLESS involving forcible entry to or exit from the caravan.
This is a brief summary of cover, a complete summary provided by the insurer is available here Static Caravan Insurance Policy - Key Facts. For further information call us on the Freephone number above during office hours