A man called Chester Cooke was once very excited about an idea he had. He wanted to buy a caravan on the banks of the river Avon on a well-kept, professionally owned and run caravan site with plenty of amenities. However, not being the sort of chap that would buy something like a caravan on impulse, he looked into everything that could possibly go wrong, all the hidden costs and anything that could potentially cost him over and above what he was willing to pay.
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 news meant that Chester would have to re-think his ideas about buying a caravan. Since it was highly likely that the Avon would flood again at some point, he couldn’t afford to risk placing it there without insurance. He asked his broker what the “normal criteria” of a caravan site was so that he could bare it in mind if he was still going to go ahead and buy his caravan.
In terms of insurance, the ideal caravan site should be a registered CaSSOA site, this is because these sites have security standards that all caravans must meet. If the caravan is to be placed less formally, for example, on a farm, then the caravan should have its own compound with a defined perimeter. Some insurance providers insist that a caravan site has a minimum number of caravans. A sort of, “safety in numbers” logic. Another thing to look for in a caravan site is a defined boundary that is secure and would not allow uninvited people to come and go as they please.
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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