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.
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.
A few minutes later, the broker called Chester back and said that unfortunately he was not able to find any insurance companies that would offer him insurance, not because of the caravan itself, or even the site that he had chosen, but it was to do with the exact spot that he had chosen. It was right on the bank of river Avon, which had flooded the year before, causing a massive number of insurance claims on the grounds of water damaged property, and so now insurers were very wary about insuring caravans that were right on the water\’s edge. This meant that if Chester really wanted the caravan, and he wanted it right there, it would have to 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.
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 thinking about purchasing 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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