Chester Cooke was excited by the prospect of buying a caravan on the banks of the River Avon, not far from Stratford, on a professionally run, well maintained and gorgeous site with lots of amenities. Being a diligent kind of chap, he looked into all of the potential issues, after all you can’t be too careful with the thick end of twenty grand plus annual service charges, which didn’t include insurance for some reason.
He phoned his broker and asked about caravan insurance who told him that there shouldn’t be any problem and the broker would be delighted to give Chester a quote. Chester gave the broker details about the type, value and size of the caravan and 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.
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 thought that insurance would be such an important consideration when he was buying his caravan. He was grateful that he had a knowledgeable broker who could give him all this education and he was definitely going to check it all out again before finally taking the plunge and buying a caravan. After all, he just wanted to enjoy his caravan and the insurance was only to take the worry out of the ownership.
Caravan insurance is one of the most important factors to consider when considering purchasing a caravan. Coversure are a leading provider of caravan insurance and can offer you advice, or a quote to insure your caravan
Tags: advice, auto, auto insurance, contract, Finance, holiday, insurance, law, legal, leisure, misc, protection, security, travel, vehicle