The importance of quality contents cover on your static caravan insurance

When you are looking for static caravan insurance, you will no doubt want to ensure that you are covered against major risks such as fire, flood and storm damage.  However, have you considered the importance of protecting the contents of your holiday home?

It is likely that the contents of your static caravan total several thousand pounds. So, if you want to ensure that you are not out of pocket in the event of fire or theft, it is important you take out the right contents cover on your static caravan insurance, as we see here.

Do you have contents cover with your static caravan insurance?

Static caravan insurance policies will often provide several levels of contents cover.  The cover is designed to ensure your belongings are fully protected against a range of risks including theft, fire and flood.

When you take out contents cover on your static caravan insurance it will normally cover a range of items including:

  • bed linen, towels and furnishings
  • gas bottles and kitchen equipment
  • camping equipment and your awning
  • clothes
  • food and drink

You may also have other contents that you want to cover including smartphones, televisions, DVD players, MP3 players, games consoles, laptop computers and satellite equipment.  You can normally take out enhanced cover in order to protect these items.

Comparing the contents cover offered by static caravan insurance policies

Generally speaking, you will buy contents cover as an add-on when you buy your main static caravan insurance policy.

When you are shopping for cover, it can be useful to make an inventory of your caravan’s contents.  This ensures that you can take out sufficient cover to protect all your belongings and helps you avoid being underinsured.

Make sure that you take out cover that is suitable for your specific type of caravan.  For example, don’t take out a touring policy by mistake if you need static caravan insurance.

And, will your chosen policy replace your contents on a ‘new for old’ basis? This means that, in the event of a claim, you get brand new replacements for your contents.  This is a useful benefit to include.

Finally, when you are comparing the contents element of static caravan insurance quotes, make sure you establish whether any discounts are available.  For example, you may benefit from a discount if you buy your policy online, you have a good no-claims history or you have enhanced security systems fitted to your holiday home.

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