Insuring your park home is a relatively easy process, but you need to take time to do your research to make sure that you end up with adequate cover.

New for old cover is usually the best kind of cover for a park home. New for old cover will ensure that should an item be stolen from your park home you will get it replaced with a brand new item without any cost to yourself. You are also covered, in the same way, if an item is damaged by fire, flood or an accident. There is normally an upper limit on the value covered by the policy and sometimes certain items cannot be included in the policy. It is very important that you read the terms, conditions to determine exactly what is, and is not covered.

If you rent out your static caravan, it is important to check that your insurance still covers you when it is occupied by your clients.

Be aware of the excesses you would have to pay in the event of a claim. High excesses are a problem with some of the static caravan insurance policies currently on the market. Having said that, if you want to reduce the cost of your monthly premiums offering to pay a higher excess in the event of a claim can be a way of reducing them.

Static caravan insurance policies have terms and conditions that need to be met to make sure that you do not invalidate the insurance. For example, you may have to have certain kinds of window and door locks fitted to your caravan to comply with the terms and conditions. Familiarise yourself with your responsibilities and meet them.

By doing your research and shopping around you will get a good deal on your insurance. Look for a policy on-line, via caravan accessory shops, your site’s owner, insurance brokers and caravan and camping clubs.

Learn more about holiday parks in the UK and Wales. Visit Vale Holidays to find the best advice on holiday homes in Wales and Cornwall for you.