Owning a holiday home on the continent can be a great experience. It gives you a chance to get away from it all, and you can even rent it out when you’re not there to get a substantial second income. Much like in the UK, static caravans abroad need to be properly insured so you can make sure that you’re covered for all eventualities, but do UK companies offer such policies?
In many cases, yes – a lot of UK insurers will indeed be able to offer overseas static caravan insurance for those that are based abroad. But, it could be harder to come by than UK insurance, especially when you consider that policies for static caravans can be quite difficult to find in the first place. It could take a lot of searching before you find the policy that’s right for you, but if you head to specialist insurers you’re bound to succeed in your endeavours.
When you’re looking for such a policy, it’s important that you bear several things in mind to make sure that you’ve got the right cover. As with all static caravans, no matter where they’re situated, you need to make sure that they’re covered in the event of any physical damage or theft of possessions. However, the exclusions are often different to that of UK insurance, so always make sure to check the small print.
But, as well as the usual options, you should also consider a few additions when looking for this type of insurance. All insurance policies should come with an emergency helpline, but if you’re abroad you need to make sure that it’s English-speaking so you don’t come across any language barriers during an already stressful time.
Think about rental income as well – if your caravan became damaged in some way so you couldn’t let it out you’d lose out on rental income, so make sure your policy covers this aspect. Consider the services of an interpreter too, as if you have non-English speaking guests in your caravan and there was an issue you’d need to get to the bottom of it in the quickest possible time. Luckily, most specialist insurance policies will be able to offer this valuable addition.
So, to really make the most of static caravans abroad, make sure that you’ve got adequate insurance in place. A lot of UK insurers will be able to provide such policies, and as long as you’re prepared to do your research and to consider the additional factors involved in having a holiday home abroad, you can enjoy it with no reason to worry.
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