Lets Static Caravan Insurance Policy Details

The ' Vanguard' Static Caravan Insurance Policy

The 'Vanguard' policy has been specifically designed for static holiday caravans and provides either New for Old or Market Value cover.

Key Policy Features:

• Completely Excess Free Cover

• New for Old replacement

• Automatic index linking where New for Old cover selected

• Site clearance, debris removal, re-siting, and delivery costs

• £2m Third Party Liability cover

• Frost damage

• Loss of Rent

Policy Benefits:

Benefits include loss or damage by:

• Fire, lightning, explosion and earthquake

• Storm and flood

• Frost damage to fixed water or heating systems - all year round!

• Escape of water

• Malicious persons or vandals

• Theft or attempted theft

• Falling trees or branches, television or aerial fittings or masts

• Collision involving vehicles, animals (except domestic pets)

• Collision involving aircraft or aerial devices

Additional Benefits include:

• The failure of a freezer, up to £100 for lost frozen food

• Generous loss of use benefits to cover loss of rent when a caravan is hired out or the cost of reasonable alternative accommodation to fulfill or complete a pre-booked holiday - benefits are based upon a percentage of the sum insured e.g. up to 3% per week in July and August. Up to 2% per week in May, June and September. Up to 1% per week October to April. Maximum amount payable in any one year is 20% of the total sum insured

• Accidental damage to underground pipes and cables

• The cost of replacing external door locks following accidental loss or theft of keys and accidental damage

• Loss or damage by an insured peril to property in the open up to £200

• Accidental breakage of glass in doors, windows, fanlights, sanitary fittings e.g. shower trays, sinks, mirrors, fixed glass in furniture and ceramic hobs

• Accidental damage to televisions, videos, audio and computer equipment

• Accidental damage to caravan panels

General Conditions:

• The Caravan must be less than 20 years old (15 years if New for Old cover is required)

• The Caravan must be sited on a licensed site in the UK

• The Caravan be constructed to BS4989 or BS3632 specifications

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