We all love our static caravans and park homes, but you cannot ignore the risks of owning a static caravan. One mistake could be all it takes to have a terrible accident in your beautiful holiday home. Who will pay for it if you don’t protect your static or motorhome and it gets damaged? Yes, you are right; it’s you! That’s is where static caravan insurance comes in. Here are the reasons you must protect your static caravan with static caravan insurance.
Table of Contents
1. Unpredictable Weather Can Do Serious Damage
Unpredictable weather is the leading cause for a boom in claims affecting static caravan insurance. Severe weather conditions can destroy your pride and joy and cost you expensive repairs.
Weather can be unpredictable, and it’s certainly not something you want to learn the hard way. An excellent static caravan insurance policy from https://www.nacoservices.com/static-caravan-insurance will protect you against all of mother nature’s whims – whether that be a freak hailstorm, a summer storm, or freezing temperatures – static caravan insurance will cover you!
That’s why it’s imperative to have a decent policy in place to cover loss or damage caused by weather. A proper policy will also allow you to spend your time enjoying both the warmer and winter months without worries.
2. Vandalism May Also Take Place
Inside and outside your static caravan are easy targets for vandalism. Thieves may target your static caravan for its valuables inside, such as televisions, DVD players, and jewelry. But it’s more likely that they will upturn furniture, like sofas and tables, for the cash. Similarly, a shared parking space and a break-in at an adjacent property mean that you are also at risk from these opportunists.
Building insurance will not be enough to replace damaged or stolen parts in such a case. However, an excellent static-caravan insurance policy recognizes that your caravan is a significant investment, so it will help you get full cover against any damages caused by anyone or anything.
3. What If A Visitor Or Your Neighbour Injures Around Your Caravan Site?
If a hired worker or friend is injured in your static caravan when visiting, you could get sued for negligence on your caravan site. A judge may enforce a fine of up to £5,000 for each offense committed.
If the person injured argues that you were liable to take reasonable steps to prevent the risk, then a judge will not find it in your favor. Static caravan insurance can help protect you against these possible fines through public liability cover, cover for slip and trip accidents, and personal injury. Note that you have a duty of care towards visitors, even though the site is open and accessible to public members.
4. Fires Can Happen Without Warning
Irrespective of where your static caravan is, fires can happen without warning. Incidents such as faulty electrical wiring, short circuits, and burning food are frequent fire causes in caravans and motor homes. If there’s a fire outbreak, it can cause catastrophic damage to the unit itself and your belongings. That’s why taking out a static caravan insurance policy is so important.
Fortunately, your static caravan insurance will not only protect you against the loss of your van – it will also cover any personal valuables you have in and around it. However, it’s essential to take precautions against fire, like installing smoke alarms to help limit the damage in the event of a fire or fitting your caravan with a fire alarm.
5. Accidental Damages While Towing May Occur
Accidents often happen during towing, whether due to a faulty coupling or human error. Your static caravan insurance provider will cover any damage done to your static caravan that is the result of an accident while you are towing it, mainly if the accident occurs on a public road. However, the cover you have for your static caravan will depend on the type of policy you have for it.
Conclusion
A static caravan will enable you to get out and enjoy the freedom of being outdoors. What better way to end those summer holidays than by taking the family caravanning? However, accidents happen, and your caravan is no exception. Hence, you will need a policy that offers high-quality cover to protect you and your investment from damages and losses. NACO will provide you with reliable and secure static caravan insurance coverage for your caravan, thus saving you from the negative financial implications in case of accidents.