Category: Caravan

Securities for Touring Caravans

securities for touring caravans
the importance of securities for touring caravans

Highhouse Insurance Guide to Caravan Security

Every year many caravans are stolen in the United Kingdom, usually from outside of the owner’s property or from a commercial storage site. Caravans that are 2-3 years old are statistically the most likely to be stolen. Even in the event that the caravan is recovered by the police, are often never returned to the owner as all marks of identification are removed by the thieves. Taking the correct securities for touring caravans is important and precautions against theft can be taken with many different security devices available, varying widely in price.

Hitchlocks

These are a deterrent to thieves acting where they find the opportunity to do so, and they can provide protection against roadside theft, on site theft and also theft at service station areas. They do not, however, provide adequate protection against theft at home or in storage. When looking for a hitchlock ensure that the model chosen covers the whole hitchhead and the securing bolts to provide maximum security. Also look for the Sold Secure standards to ensure that you get the best quality.

Wheelclamps

Though not very suitable for use whilst making a short stop, a wide variety of wheelclamps are available. Ensure that you look for a wheelclamp that cannot easily be removed by a drill or hacksaw and bear in mind that thieves may let the caravan’s tyres down whilst attempting to remove this type of security device.

Wheel Locks

A wheel lock works in a similar way to a wheelclamp but it also fixes through the wheel and into the brake assembly. A wheel lock can be difficult to attach and unsuitable for a short stop, but when fitted wheel locks are highly effective. Different types of wheel lock are manufactured for different types of caravan.

Alarms

Many types are available and costs vary considerably. If you are looking for a Sold Secure alarm, i.e. a quality tested one, then it is advisable to check their website as very few manufacturers of alarms have a Sold Secure status.

Tracking Systems

These help in the location of stolen caravans by tracking their whereabouts using either satellite technology or radio signals. There is a large selection of tracking systems available on the market, though it is important to recognise that tracking systems designed for motor vehicles may not be suitable for use on caravans.

Tracking systems can be costly to fit and may require an annual payment if a monitored system is purchased. It is also worth taking into account that not all insurers will give a discount on insurance premium if a tracking system is installed.

CRiS

This is the Caravan Registration and Identification Scheme. All touring caravans manufactured by the NCC since 1992 have had a 17 digit vehicle identification number marked on their chassis, as well as having been recorded on the CRiS database. Since August 1997 they have all also been electronically tagged and from 1999 the scheme was improved to extend registration to caravans manufactured before 1992 as well as privately imported ones.

CRiS also offer Silent Tracer which is a security marking system that makes caravans much harder to steal. It also deters fraud through cloning by providing a unique identity for each caravan. Details of the current costs of CRiS sevices and memberships may be found on their website.

Whilst CRiS does not prevent theft, it does help in the recovery of stolen caravans and it may have an effect as a deterrent as caravans in this scheme are much harder for thieves to sell on to others.

Hitch Posts

These are a useful security measure whilst your caravan is at home. A post is concreted into the ground, on to which the caravan ballhead can be fixed into place using a hitchlock.

Security Tagging

Contents theft from caravans has increased in recent years and thieves regularly steal expensive electrical goods, such as laptops, tablets, digital cameras and mobile phones. Security tagging these items will not prevent theft from happening but it will aid the police in the identification of stolen goods if they are found.

Many methods of security tagging exist, varying in cost. A cheap method of tagging could be by using UV markers to mark your expensive belongings with your postcode. A more expensive alternative would be using microdots, which involves a registration fee and monthly payment to ensure that your belongings remain registered on a database.

Roof Marking and Photographs

Marking the roof of the caravan with at least the last six characters of its CRiS number with stick on letters is a good way to ensure that the caravan will be easily identified by roadside cameras in the event of a theft. It is also recommended that the caravan is photographed both inside and out so that you have photographs to provide to the police should you become a victim of caravan theft.

 

Static Caravan Insurance

Static caravan insurance whether residential or holiday let
We now offer Static Caravan Insurance

At Highhouse Insurance we have a variety of options available for owners who require static caravan insurance. We can cover the structure of the home itself as well as any contents. We are equally pleased to receive enquires from owners who use the property as a main residence or occupy for holiday home use, including caravans that are let on a short term rental basis.

Call us for your quotation, we cover most static caravan parks in the United Kingdom and insurance can normally be arranged the same day with premiums being paid either by credit/debit card or by monthly direct debit.

Insurance for static caravans is based upon the fact that they will remain in one place. The insurance premium will be affected by the location of the site the static home or static caravan is on, as well as the construction of it. Most static caravans are built to BS3632 standards, although some have been manufactured to the BS EN 1647 standard instead.

Static homes are usually located on privately managed holiday parks. Each holiday park must hold a local authority licence. This licence will only be awarded if the park has planning permission and a copy of it must be displayed on the park notice board. The licence will indicate whether the park is for holiday or for residential use and will also state whether the planning permission is indefinite or if there is an expiry date. The licence shows the maximum number of static homes that are permitted on site as well as fire precautions and health and safety instructions. Parks that are not privately owned, but instead are owned by the local authority, will not have a licence but must still adhere to these standards.

Most residents on these sites will own their static caravans themselves and will pay the site owner a fee for the pitch. This fee covers the maintenance of common areas as well as any services provided on site.

Many sites will not allow the static home/caravan owners to reside on site all year round. If, however, the site does allow all year round occupancy and the static home/caravan is lived in permanently, then the owner of the home/caravan is protected under the 1983 Mobile Homes Act as amended by the Housing Act 2004. This Act does not cover homes used only for holidays or occupied for only part of the year.

As there are many different styles of caravan our insurers have an insurance policy specifically designed to take this into account, and they comprehensively cover a wide variety of perils. Cover can be provided on most makes of caravan including ABI, Arronsbrook, Atlas, BK, Bluebird, Brentmere, Carnaby, Classique, Cosalt, Delta, Galaxy, IRM, Kingston, Lisset, Normandy, Omar, Pemberton, Rapid Home, Stella, Swift, Tingdene, Tudor, Victory, Wessex, Westbrook and Willerby.

Don’t worry if your home is not on this list, in all probability we will still be able to issue cover. If you would like a quotation for static caravan insurance then please feel free to call us on 01243 606552.