Caravan Insurance; Why Is It An Important Consideration?

Chester Cooke was a man who one day decided that he wanted to have a caravan on the banks of the river Avon in a perfectly situated caravan site that was professionally owned, well maintained and had all the amenities that he could ask for. However, he wasn’t the type to go spending the best part of twenty grand plus annual services on a caravan without properly thinking it through.

Chester then called his broker and explained to him that he was looking for some caravan insurance. His broker then told him that he would be more than happy to find him a quote, and so Chester gave him the details of the caravan such as the size, type and value, as well was where it would be situated.

A few minutes later the broker called him back. Unfortunately he would not be able to give Chester a quote for the caravan insurance. Although the caravan site met all the normal criteria, there was a problem with the beauty spot itself. It was on the banks of the river, right at the water edge, and the Avon had flooded last year. Chester remembered seeing the reports on the news. Apparently there had been lots of claims for flood damage and insurers were unwilling to write any new caravan insurance for sites on the banks of the Avon. If he was going to buy a caravan there, it would be at his own risk.

This was deal breaking news. It was highly likely that the Avon would flood again at sometime in the future and Chester couldn’t afford to take on a caravan without insurance. He asked his broker about these other “normal criteria” of caravan sites that he should look for if he was going ahead with his plan to buy a caravan.

A registered CaSSOA site is ideal for caravan insurance providers. The reason for this is that these sites have security standards. Another thing to look for in a caravan site is a secure boundary like a fence or a tall, thick bush running around the boundaries of the site. If the caravan is to be placed in a less formal location, such as a farm, then the caravan should have its own compound and it own defined perimeter. Some insurance providers insist that a caravan site must have a certain number of caravans placed there before they will insure any, safety in numbers as it were.

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 buying a caravan. Coversure are a leading provider of caravan insurance and can offer you advice, or a quote to get your caravan insured

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