Security For A Static Caravan

While we may more often than not think of caravans as being towed behind cars on the road, usually during busy Bank Holiday periods and during the school holidays, there are also static caravans which have more permanent bases (as well as plumbed in utilities).

Static caravans are usually based in holiday parks along the coast of the UK, as well as smaller campsites which may be based in more inland locations. Caravan sites will usually have a warden on site who perform daily patrols in order to ensure the safety and security of the camp’s residents.

Much like with a house, a static caravan can be filled with items which may be attractive to thieves – including electronic devices such as laptops and mobile phones – so making sure these are protected at times when you are not present at the property is essential in ensuring you don’t lose money should something go missing.

What Should I Secure?

Even though static caravans are static, it can still be worth securing them with devices that you would usually associate with a touring caravan, including:

  • Wheel clamps
  • Hitch locks
  • Corner steady leg locks
  • Hitch posts

Even if the caravan itself is not moving it can still be worth using these devices to reduce the risk of theft, but there are a number of other security features that you can add to a static caravan in order to ensure that it is protected.

Check That They Can’t Get In

Like with a house, static caravans will have two main points of entry for burglars to target – the doors and the windows – and by ensuring that both are securely protected with strong locks you can not only help to deter thieves but also help to bring down the cost of your caravan insurance policy by taking these extra steps to protect your property.

Should I Fit An Alarm?

Aside from fitting external deterrents such as those listed above, securing the interior of your static caravan using alarm systems and even small CCTV systems can help protect your belongings and bring down the cost of your static caravan insurance.

Whilst many touring caravans will come with a Thatcham-approved alarm system, static caravans may need beefing up with extra security. With the advent of digital technology and with security cameras getting much smaller, setting up a small home network with a couple of cameras can help keep an eye on the property when you are away, and get alerts sent to your mobile phone if a movement is detected.

Can Having A Safe Help?

If you’re based at the caravan for long periods of time or rent it out to friends, family members or holidaymakers, you’re likely to keep few personal possessions at the caravan for times when you are there, including documents and mobile phones.

By investing in a small, fireproof safe and keeping it hidden within the caravan, you can secure items such as vehicle documentation and personal belongings like jewellery and mobile phones and keep them safe when you’re not present at the caravan.

If you rent out your static caravan, making use of a key safe can be a good way of restricting access when you’re not there, allowing you to keep important keys and other belongings in a safe place while you have guests.

Can I Secure A Caravan On My Home Insurance?

While it may be possible to insure physical belongings at the caravan on another policy, the caravan itself needs to have its’ own specific static caravan insurance policy, even if it is stored on a secure compound with regular patrols.

However, for anything inside the caravan, it can be worth checking with your home insurance provider if it is possible to add the contents of your static caravan to any existing policies – this can include home insurance and gadget insurance policies.

What Does My Caravan Insurance Cover Then?

A caravan insurance policy will cover the caravan itself against any damage caused by weather – including storm damage – as well as those caused by fire or accidental damage by third parties.

Caravan insurance policies will usually include features such as new-for-old replacement, and relocation cover in case the site becomes inhospitable due to weather and you have to relocate your caravan and even cover for anything else on your pitch, including furniture and awnings.

Contents cover can also be added onto a policy to help cover appliances and gas bottles, but bear in mind that storing gas bottles in the caravan could help raise the risk factor and thus lead to a higher premium.

What is Excluded From a Policy?

There are few things which are excluded from a caravan insurance policy:

  • Damage caused by vermin or pets
  • Accidental damage caused by tenants
  • Damage caused by subsidence or a landslip
  • Damage caused to water pipes due to cold weather

There may be other exclusions depending on your broker, so it can be worth double checking before you commit to a policy. Caravan policies will vary in what they offer, so it can be worth shopping around until you find one that suits you.

By taking the time to further protect your static caravan from potential thieves, either using new technology or traditional methods such as deadlocks and even a small CCTV system, you can help to reduce the costs of your caravan insurance premiums.

Seven Security Rules to Remember to Keep Online Banking Safe

Innocent people who become victims of internet bank account fraudsters can expect to be reimbursed if they have exercised reasonable steps to maintain their account from staying safe. However, it is far easier to try and keep your account as secure as possible in the first place, instead of trying to retrieve your money later.

Follow these seven rules for online security, and you will have a better chance of keeping your funds safe:

  1. Do not use the same password, or a variation of the same password, on different accounts.
  2. Regularly update passwords and change them at least once every year.
  3. Keep your passwords private and do not tell anyone else about your password. And if you must note them down so you would not forget your password, make sure that you disguise them.
  4. Websites such as Twitter and Facebook mean our lives are more open to public analysis than ever before, so think twice before making use of personal information as passwords and take into consideration whether other people may be able to guess a security question from your social media musings.
  5. Keep anti-virus software up to date and be wary of unusual text messages, phone calls, or emails, particularly if they ask for your security information.
  6. Make your password hard to crack by making use of a combination of upper and lower case letters, symbols, and numbers.
  7. Do not use a birthday, name, or obvious words, such as ‘password’. Instead, you may opt to use the first letters of memorable songs, rhymes, or a saying to generate a long password that you would not forget.

See also: 5 Ways to Check If a Website Is Legitimate

Do You Need Wedding Insurance?

Planning for your wedding day is a lot of fun. However, it can be very expensive too. Having an insurance can give you a financial safety net if things go wrong, but do you really need one?

Why get a wedding insurance?

There are many unforeseen things that could happen that can cause your wedding day to be cancelled, reschedules, or rearranged.

For example, the venue of the reception could go out of business, or a member of your entourage or one of your close relatives could become sick and be not be able to attend the wedding.

Without insurance, you could lose all of the money that you have spent for your wedding. You might have some protection if you used your credit card for payments. However, this will not cover everything that a wedding insurance can.

Section 75 can protect payments that you make by credit card that is ranging between £100 and £30,000. However, it only covers certain scenarios including if your reception venue goes out of business.

You should also consider whether the peace of mind of making sure that you are protected if things went wrong is worth the cost of purchasing a policy.

What kind of cover do you require?

Wedding insurance policies extend fixed amounts of protection, so you need to work out how much your wedding will cost by making use of a budget tool and then looking for a policy that provides you enough cover.

For example, if the entire cost of your wedding is £20,000, look for a policy that grants at least the same amount of cover for rearrangement or cancellation.

The lower the limits of coverage offered, the cheaper the policy will cost you. Many insurers offer several various policies, and each one of these policies has different limits of coverage, for example:

CoverBasic PolicyMid-level PolicyPremium Policy
Wedding Rings£1,500£10,000£15,000
Supplier's Failure£2,000£15,000£50,000
Cancellation£5,000£30,000£100,000

How much does a wedding insurance cost?

You could pay anything from a range of £20 to £300 for a policy. It will depend on the insurer and the level of cover that you choose.

You pay for your wedding insurance with a single payment and policies start from when the cover is carried out and ends once your wedding ceremonies and/or activities are finished.

Many insurers let consumers take out an insurance policy two years before their wedding so that you can enjoy coverage well in advance of your wedding day.