static caravan insurance policy

"static caravan insurance policy"

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Static caravans is the more modern name for what were known as mobile homes. And it is right that the name now reflects the much more sophisticated nature of these homes.

Static caravans are often bought as holiday homes and they are a very economical way of purchasing a second property. They can also help pay for themselves by being rented out when you are not in occupation.

Unlike most holidays, if you have a static caravan then you will almost certainly have free access to all the amenities on the site as well as your own home-from home.

Try A Static Caravan Holiday
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What different caravan types are there?

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Useful Static Caravan Information

COSTING UP A STATIC CARAVAN BREAK

The cost of hiring a holiday caravan varies depending on the time or year, the quality and age of the caravan, and the location of the park. Those further from the tourist attractions will be cheaper than those by the coast for example.

Typically a luxury modern holiday home could be around £1,000 per week in July and August. Smaller, older and less desirable locations are likely to be cheaper at £500 per week.

Outside holiday seasons and summer the price could be as little as 20% of this.

With many holiday caravans having 3 double bedrooms plus the capacity for 2 adults sleeping in the lounge, if two families were to share, then the cost per head represents very good value during the most popular times.

However, bear in mind many parks charge membership for the use of their clubs and entertainments. Many of the kids' activities are likely to be chargeable too.

Add the price of drinks, sweets and snacks, all of which will have to be purchased from the park's outlets, often at higher than usual prices and you need to budget a little more.

Static Caravans are increasingly used by people as replacements for their main home. If you are thinking or selling up and moving into a static caravan - or holiday caravan as they are increasingly now known - here are some things you should consider first:

WHAT IS THE LENGTH OF THE SEASON?
Do check this with the park on which you are intending to buy a holiday home and make sure that you are satisfied that it will allow you the access you want during the year.

WHO DECIDES THE LENGTH OF THE SEASON?
The local planning authority sets the maximum period that the park is permitted to be open for business each year. However, it is up to the park to decide, within that period, the actual dates during which the park will be open for you to visit your caravan holiday home.

WHY SHOULD THE PARK DECIDE A DIFFERENT PERIOD?
There may be a number of reasons, but often the closed period is used to carry out essential maintenance and improvement work so that holidaymakers can enjoy the open period without being inconvenienced by any disruption on the park.

CAN I USE MY HOLIDAY HOME IN THE WINTER?
Only if the park is open during the winter months. But do ask about the level of insulation in the holiday home you intend to buy: not all units are intended for occupation in severe weather conditions. If a caravan holiday home is used in cold months you should expect a higher level of condensation, both visible and unseen. Where central heating is provided, its primary purpose is to provide background
heating during those colder months.

CAN I MOVE PERMANENTLY INTO MY HOLIDAY HOME?
No. You will normally be restricted to using it for holiday or recreational purposes. If you were to live permanently in your holiday home, this would be in breach of the planning permission or site licence with serious legal consequences. In addition, a caravan holiday home is not designed to be a permanent residence.

WHAT ABOUT SPENDING CONSECUTIVE MONTHS IN THE UNIT?
Any plans to use your holiday home other than for leisure breaks should be discussed with the park owner/manager before you purchase a caravan. It may be that local authority regulations, or the agreement you sign, will prohibit your taking up semi-residential status.

WHAT'S WRONG WITH LONG-TERM OCCUPATION?
Holiday homes are designed to provide comfortable, high-quality accommodation for recreational use only. On the other hand, Park Homes for residential use are designed and built to a different specification, with greater emphasis, for example, on storage space and thermal insulation.

DOES THE MOBILE HOMES ACT 1983 APPLY TO HOLIDAY PARKS?
No: this legislation was designed to protect the rights of owners of residential park homes on licensed residential home parks. It does not apply to caravan holiday homes sited on holiday parks.

Whatever you decide to buy or rent, have a fantastic time!

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