Does the idea of taking more holidays appeal to you? An excellent way to be able to do this is by buying a static caravan. this will enable you to take a holiday at the drop of a hat, and a lot cheaper than is generally expected.
However, if you're considering investing in a static caravan, then you should consider a number of issues prior to investing your money.
Unlike touring caravans, static caravans can be prone to various risks of geography in the park where it is kept. Such unforseen occurrences as storms, falling trees and flooding are often ignored by lots of people, irrespective of the fact that these occurrences are fairly common. On top of this there is the possibility that during the winter months pipes can freeze and burst, which is a major headache to owners of static caravans.
Once you have found a site that interests you, it is important that you check with the site owners whether the park has ever suffered flood or storm damage. If they tell you that it has then this could stop you getting reasonably priced insurance for the static caravan on the park.
Even if the site owners say flooding is not an issue you should also do a further check to identify whether the site is in an area that is at risk of flooding. To find this out you will need the postal code of the park. If the park is situated in England or Wales, then you will need to go to the Environment Agency flooding page on their website and put in the postal code into the field on the right hand side of the screen. If the site is in Scotland then you want to go to the Scottish Environment Protection Agency website.
It would then be a good idea to check on google maps to locate the park and the caravans more exactly and then refer back to the flood map for a more precise indicator to the flooding risk that exists. Places that are often problematic in terms of insurance because of flood risk are Norfolk and Lincolnshire, low-lying coastal areas of North Wales, and sites close to major rivers such as the Avon and the Severn rivers.
You will find that nearly all holiday home/static caravan sales are of already sited caravans. The transaction will be made either by the site owner themselves, or the owner if it is a second-hand caravan (with the permission of the site owner).
Occasionally it may be possible to purchase a site without a van already on it and make an arrangement with the site owner to have it sited there. In such circumstances they will expect a significant payment for allowing the siting of a caravan because they would expect to make a profit when selling a sited caravan.
What this means is that you will pay a significant amount more for a sited caravan than an unsited caravan. But you should remember that the are strongly advised to make sure your insurance policy covers you for financial loss in the event that your caravan becomes unusable. If you don't then you risk being hit with an unpleasant double whammy: the excess costs of any repairs; and also the financial loss while the caravan is getting repaired.
It is very advisable to also ensure you have liability insurance if you rent your caravan to people. Should somebody get injured (or worse) as a result of something for which you are found to be at fault, then you could find yourself many thousands of pounds poorer. Liability protection will make sure that any medical and court costs incurred by you as the result of such an accident will be covered.
Make sure that you get yourself informed if you are thinking of investing in a static caravan, and you should also make very sure that you have adequate insurance cover. As with most things in life it is always better to check with multiple providers for your static caravan insurance, as this may well save you a good deal of cash. You will find there are various excellent insurers on the market, ready to provide you with exactly what you need.
For the very best insurance for static caravans come and have a look at www.caravan-insurance-cover.co.uk.
However, if you're considering investing in a static caravan, then you should consider a number of issues prior to investing your money.
Unlike touring caravans, static caravans can be prone to various risks of geography in the park where it is kept. Such unforseen occurrences as storms, falling trees and flooding are often ignored by lots of people, irrespective of the fact that these occurrences are fairly common. On top of this there is the possibility that during the winter months pipes can freeze and burst, which is a major headache to owners of static caravans.
Once you have found a site that interests you, it is important that you check with the site owners whether the park has ever suffered flood or storm damage. If they tell you that it has then this could stop you getting reasonably priced insurance for the static caravan on the park.
Even if the site owners say flooding is not an issue you should also do a further check to identify whether the site is in an area that is at risk of flooding. To find this out you will need the postal code of the park. If the park is situated in England or Wales, then you will need to go to the Environment Agency flooding page on their website and put in the postal code into the field on the right hand side of the screen. If the site is in Scotland then you want to go to the Scottish Environment Protection Agency website.
It would then be a good idea to check on google maps to locate the park and the caravans more exactly and then refer back to the flood map for a more precise indicator to the flooding risk that exists. Places that are often problematic in terms of insurance because of flood risk are Norfolk and Lincolnshire, low-lying coastal areas of North Wales, and sites close to major rivers such as the Avon and the Severn rivers.
You will find that nearly all holiday home/static caravan sales are of already sited caravans. The transaction will be made either by the site owner themselves, or the owner if it is a second-hand caravan (with the permission of the site owner).
Occasionally it may be possible to purchase a site without a van already on it and make an arrangement with the site owner to have it sited there. In such circumstances they will expect a significant payment for allowing the siting of a caravan because they would expect to make a profit when selling a sited caravan.
What this means is that you will pay a significant amount more for a sited caravan than an unsited caravan. But you should remember that the are strongly advised to make sure your insurance policy covers you for financial loss in the event that your caravan becomes unusable. If you don't then you risk being hit with an unpleasant double whammy: the excess costs of any repairs; and also the financial loss while the caravan is getting repaired.
It is very advisable to also ensure you have liability insurance if you rent your caravan to people. Should somebody get injured (or worse) as a result of something for which you are found to be at fault, then you could find yourself many thousands of pounds poorer. Liability protection will make sure that any medical and court costs incurred by you as the result of such an accident will be covered.
Make sure that you get yourself informed if you are thinking of investing in a static caravan, and you should also make very sure that you have adequate insurance cover. As with most things in life it is always better to check with multiple providers for your static caravan insurance, as this may well save you a good deal of cash. You will find there are various excellent insurers on the market, ready to provide you with exactly what you need.
For the very best insurance for static caravans come and have a look at www.caravan-insurance-cover.co.uk.
0 Comments:
Post a Comment