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.
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 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 news meant that Chester could not have his caravan exactly where he wanted because it was quite likely that the Avon would flood again at some point in time and he could not afford to have a caravan there without it being insured. He asked his broker about other “normal criteria” for caravan insurance so that might continue pursuing his plans to buy a 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 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 take into consideration when thinking about buying a caravan. Coversure are a leading provider of caravan insurance and can offer you advice, or a quote to insure your caravan You can get a unique content version of this article from the Uber Article Directory.