March 2nd, 2010
The Importance Of Having Caravan Insurance
Chester Cooke was excited by the prospect of buying a caravan on the banks of the River Avon, not far from Stratford, on a professionally run, well maintained and gorgeous site with lots of amenities. Being a diligent kind of chap, he looked into all of the potential issues, after all you can’t be too careful with the thick end of twenty grand plus annual service charges, which didn’t include insurance for some reason.
So he then called his broker and said that he was looking for some caravan insurance. His broker then told him that that shouldn’t be a problem and he would be more than happy to get him a quote. So Chester gave his broker the details of the caravan and where it would be situated.
It was only a few minutes before the broker called him back and said that he unfortunately could not find him any caravan insurance. The reason was that although the caravan site itself was fine, it was the particular spot that Chester wanted that was the problem. It was next to the river Avon, right at the water’s edge, and last year it had flooded which caused lots of insurance claims, meaning that now, insurers are unwilling to offer any insurance to caravans places right on the water’s edge. If he was going to buy the caravan, it was going to be entirely at his own risk.
This news meant that Chester could not have his caravan exactly where he wanted because it was quite likely that the Avon would flood again at some point in time and he could not afford to have a caravan there without it being insured. He asked his broker about other “normal criteria” for caravan insurance so that might continue pursuing his plans to buy a caravan.
Ideally the site should be a registered CaSSOA site. There are insurance discounts for these because they have minimum standards of security. If the caravan is to be sited more informally, on a farm for instance, the caravans on the farm should be in their own compound with a defined perimeter. Some insurers insist that there are a minimum number of caravans on the site, safety in numbers as it were. Finally Chester should look for a site with good security, a mature hawthorn hedge or palisade fencing marking the boundaries.
Chester hadn’t really though that the insurance would play such an important part in the buying of his caravan. He was just appreciative of his knowledgeable broker who could steer him in the right direction, after all, he just wanted to enjoy his caravan and the insurance was just to take to worry out of owning one.
Caravan insurance is one of the most important factors to take into consideration when considering purchasing a caravan. Coversure are a leading provider of caravan insurance and can offer you advice, or a quote to get your caravan insured Grab a totally unique version of this article from the Uber Article Directory