Buying and Insuring a Static Caravan

Owning a static caravan is a great way to take more holidays, at much shorter notice, and much cheaper than is normally possible.

However, if you’re thinking of buying a static caravan, then there are a number of things you should you should consider prior to investing your hard-earned money.

Unlike touring caravans, static caravans are subject to a number of geographical risks in the site where it is kept. The risk of such unforeseen events as falling trees, storms and flooding are overlooked by many people, despite how commonly they occur. There is also the risk that during the winter pipes can freeze and burst causing major headaches to static caravan owners.

When you have found a site you are interested in, it is important that you check with the owners whether the site has ever been subject to flood or storm damage. If it has then this could prevent you getting reasonably priced static caravan insurance for a caravan on the site.

Even if the site owners say it has not suffered flooding you should also check if the site is in an area that is at risk of flooding. To do this you need to know the post code of the site. If the site is in England or Wales, visit the Environment Agency website and input the post code into the box on the right hand side of the screen. If the site is in Scotland then you should check on then Scottish Environment Protection Agency website.

You can also check on Google maps to identify more precisely where the site and particular caravans are and then refer back to the flood map for a more precise indicator to the flooding risk presented. Areas that in particular can be problematic in terms of insurance because of flooding are Norfolk and Lincolnshire, low-lying coastal areas of North Wales, and sites close to major rivers such as the Avon and the Severn rivers.

You will find that nearly all static caravan/holiday home sales are of sited caravans. The sale will be made either by the owner in the case of a second-hand caravan (with the permission of the site owner), or by the site owner themselves.

Occasionally it may be possible to buy a site without a van upon it an arrange with the site owner to have it sited there. In such circumstances they will expect a significant payment for allowing the siting of a caravan as they would have expected to make a profit on the sale of a sited caravan.

As a result you will pay thousands of pounds more for a sited caravan than an unsighted caravan. But you should bear in mind that the amount of insurance should cover the true unsighted retail price of the caravan plus the cost of resiting a replacement caravan, along with the value of any additions such as storage containers, sheds and verandas, if it is damaged beyond repair or destroyed. You should also include an amount to cover contents and replacement of any equipment. You will find that some policies require that you include costs required for site clearance also.

In your contract there will be rules dictating what must happen in the event of your caravan being destroyed. This may be that the caravan must be replaced with a brand new equivalent model of caravan. If this is the case then you should buy a new-for-old caravan insurance policy, otherwise you may find that your policy falls an expensive way short of what is required.

You should bear in mind that signing up for a static caravan should not be undertaken lightly. The contract can be onerous, and you should seriously consider getting a solicitor to look over it, and make sure that you fully understand what you are signing up to before you put pen to paper. You should in particular make sure that:

  • You have security of tenure
  • You understand what will happen if you ever want to sell the caravan, and are happy with it.
  • You check if there are rules that force you to buy a new caravan after a set number of years.

A very useful publication from the Office of Fair Trading called “Guidance on unfair terms in holiday caravan agreements” can be found at their website.

If you do purchase a static caravan with the intention of renting it to people then you should ensure your insurance policy protects you against loss of income should your caravan should become uninhabitable. If you don’t then you could be hit with a nasty double whammy: the excess of any repairs; plus the loss of income while the caravan is being repaired.

You should also have liability insurance if you rent your caravan to people. Should someone get hurt as a result of something that is deemed to be your fault, then you could have the misfortune of finding yourself thousands of pounds out of pocket. Liability protection will make sure that any medical and court costs you may incur as the result of such an accident will be paid for.

Make sure that you get yourself informed if you are thinking of buying a static caravan, and make sure you have the right insurance policy. As with most things in life it is always better to shop around for your static caravan insurance, as this could save you a good deal of money. There are a number of excellent insurers on the market, ready to offer you just what you need.

Motorhome Body Repairs: Do You Know What Your Motorhome Is Made Of? Advice On Repair

Plastic mouldings ABS and GRP

Quite often, front panels are made from acrylic capped ABS plastic and some manufacturers have been known to use a gauge too thin for the purpose. These have been replaced under warranty in the event of failure, but this is not good news as this a standard material now for the fronts of caravans.

Different types of plastic

GRP (often called fibreglass) is usually rough on the unseen face and smooth on the other.

ABS plastic is normally smooth and shiny on both sides except when it is used for dark coloured bumpers where it tends to have a textured finish.

Although ABS can be repaired if necessary, there are far more GRP repairers out there who do a great job, partly because it is easier to match colours with GRP. Caravan repairers generally prefer to replace complete mouldings, which can be expensive. If you wish to attempt your own repairs, then in the UK you can buy Sikaflex 512 adhesive sealant and a surface filling compound. For more permanent repairs there are purpose formulated ABS repair kits which are more expensive at about £100.

Sheet GRP panels

These are often used in place of sheet aluminium which was used in the past. Skilful specialists can repair localised damage.

Monocoque body shells

These single moulded structures give massive strength and light weight. There seam free construction ensures there is never any ingress of water problems.

Aluminium skin

This was the traditional cladding for caravans, pre painted aluminium sheet. These are always full of holes as there are loads of screws holding all the external parts, like lights, number plates etc. When the bedding sealant fails, the caravan starts to leak and this is the normal demise of the previously dry van. When a caravan made like this receives damage, the normal strategy is to patch it up with a new piece of aluminium over the damage.

About campervan conversions

Campervans use their original vehicles steel bodies, so they are just repaired at a car body shop, just like a car would be. This is quite an attractive proposition when you think that any other body types may involve long waits for parts to arrive.

Purchasing a Second User Caravan Privately

Purchasing a second user caravan from a dealership has several benefits but the most essential purpose is that sellers do their very own checks to make sure caravans are in perfect working functionality. As such they are able to frequently give you a restricted verification that if something does go incorrect then they’re going to either repair it or refund your cash.

That stated, there are numerous bargains available privately and this information outlines the stuff you must always look out for within the event you do determine to do the leg work your self and purchase privately.

The first actual thing to bear in mind is that purchasing privately goes to need more than heading to a dealership because the fashions are definitely unfold out over a huge space quite than in a single place, which suggests that maintaining your eye out for the best caravan is vitally very important.

When taking a look at a potential caravan, do not be afraid to request the clumsy questions like if there were any repairs to the caravan, and if the vendor has documentation to reveal it was seen by a credible repairer. Similarly, when a vendor is being upfront regarding any issues it’s normally a perfect signal that you are not going for getting any bad surprises -and keep in mind, if it sounds too perfect to be real, it truly is!

Probably the most essential stuff you wish to ascertain for any caravan is that there are not any signs of humid, mould or mold. This is brought on by water operating its approach throughout the bodywork or panels and into the caravan alone, or by very bad ventilation over a protracted time, inflicting condensation and damping out the way out. Test it for any signal of damp beneath carpets, beneath the bathe basins and refrigerator, within cabinets and wardrobes – principally anyplace that touches the outside walls on the caravan, whether the roof, or the ground panels.

Shifting to the outer side of the caravan, look for indicators of rust towards the bodywork and chassis, above all in areas like the wheel arches to see if water could fray away paint and sealants. Rust and humid are both very tough to eliminate and within the worst cases may afford a caravan totally unusable, so these two things should always be peak of your checklist of things to search out for.

Additionally, be certain that before you get it, you have observed the caravans beds well, and verified that the devices and hinges are robust and in complete working order. It is always better, when you do that yourself moderately than letting the proprietor do it on your behalf, however ensure you get permission firstly and listen moderately to how it may be done as the very final thing you need is to wreck the caravan before you have bought it!

Once you have determined the caravan you need, before you surrender any money, it is crucial that you verify the caravan is not stolen by telephoning HPI and asking them to visualize the CRiS quantity into their database. This is often a tiny low commission, so solely worthy doing once you’re able to buy. The quantity may frequently be discovered engraved onto the windows and can generally be found someplace at the chassis. Understand that solely caravans after the year 1992 may have a CRiS enrollment quantity.

Eventually, don’t put out of your mind to insure your caravan, so you pull it away to make sure your caravanning desires are not ended, even before they get began. Most automobile insurance coverage policies will conceal third party liability sides such as harm to other folks’ estate brought on by the caravan while it’s being towed. Nevertheless, harm to the caravan alone and robbery of the caravan or its apparatus will solely be protected by a consultant caravan insurance coverage policy. Caravan insurance coverage premiums generally start at under £80; however, they are suffering from a large vary of components like the caravan’s cost, your towing expertise, and claims expertise… In addition, where you select to store your caravan, if not in use and what safety mechanisms are deployed after the caravan is left unattended.