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| A static home caravan insurance quote – the danger signs Posted: 07 Feb 2012 01:04 AM PST If you are thinking that you require a static home caravan insurance quote, that in itself may be an indication that you might need to think a little more clearly about your requirements. Why? The difference between a static caravan and a home
While many of us may like to think of our static caravans as being a home away from home, the reality is that insurance providers may see things rather differently in terms of definitions. If by home you mean you are living permanently in your static caravan as a home, then you may be running the risk of invalidating any static caravan insurance that you currently have. That may happen because insurance providers typically define a static caravan as a holiday destination that is occupied for a few weeks each year – and not as your home in the sense that it is permanently occupied as your normal place of domicile. This is not just a question of playing with words but an important distinction that may significantly affect the type of insurance that is suitable for you and your caravan. Park home insurance
If you are living permanently in a caravan then you may require park home cover, however, be aware that simply living in a caravan full time does not automatically make it a park home. There may be other points of definition applied by insurance providers (e.g. the requirements to base your caravan on a formally registered site defined as being suitable for permanent occupation). Being specific
Static caravan insurance may also not automatically cover situations where you are using your caravan for the purposes of income generation, such as letting it out during the holiday season. In order to ensure that appropriate insurance cover is in place, your insurance provider will need to understand the precise nature of your caravan and exactly how you are using it. It might be wise to make sure that you have fully declared all such implications to them at the time you take out the policy. So, looking for a static home caravan insurance quote may be fine if you are using home in the sense of a holiday home but if you are using it to indicate that you live there permanently, you may need to think again about your insurance position. |
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