We’ve analysed Paul Baker’s leisure homes insurance, which can also protect static caravans under 15 years old. There are two cover options to choose from – we’ve covered the key features.
If you own a static caravan, you’ll want to know you’ve got the right protection for your investment. Paul Baker can protect static caravans under its leisure homes insurance, which comes in two cover levels. This company says it deals with quotes, issues and renews policies, and handles claims directly. Here’s what else we think you should know.
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Who is Paul Baker?
Paul Baker is a specialist insurance company providing park home and leisure home insurance.
Its leisure home insurance caters for leisure homes, holiday lodges and static caravans, and comes in two cover levels.
In addition, it also offers park home, travel and home insurance through its sister company RK Shipman, specialists in home insurance.
What types of caravan insurance are available?
- Leisure home insurance. Providing cover for the structure and contents of leisure homes, caravans and holiday lodges sited on licensed holiday parks. It comes in two cover options: Economy and Select.
What is covered under my Paul Baker caravan policy?
Some of the features and benefits to the Paul Baker caravan policy include:
|Sum insured||Up to £150,000||Up to £300,000|
|New for old||✓||✓|
|Liability||up to £5 million||up to £5 million|
|Accidental damage||✓ (limited to specified perils only)||✓|
|Site clearance, re-siting and delivery||✓||✓|
|Replacement locks||up to £100||up to £1,000|
|Alternative accommodation||up to £30,000||up to £60,000|
|Public liability cover||up to £5 million||up to £5 million|
|Personal belongings||up to £2,500||up to £5,000|
|Personal accident cover||✓|
|Home emergency assistance||✓|
Check your policy details carefully to ensure you have the right cover for your needs.
Paul Baker doesn’t offer any extras to bolt onto caravan cover.
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Paul Baker has some general exclusions that apply:
- When your caravan is being used for a purpose not included under your policy
- General wear and tear
- Rust, corrosion rot or any gradual deterioration
- Mechanical faults
- Deliberate or criminal acts
- Any loss or damage that occurred before the policy start date
Check your policy for further details to confirm your cover is valid.
How to save on your caravan insurance policy with Paul Baker
- Increase security. Fitting security alarms or cameras could be a good way to deter thieves.
- Increase the excess. Agreeing to pay a bigger voluntary excess could make your overall premium cheaper. But remember that your insurer won’t pay out for a claim that costs less than your excess. So be careful about making it too high, as it could leave you out of pocket if damage occurs.
- Join a club. Some insurers offer savings if you become a member of a camping, touring or caravanning club or association.
What is my excess?
Your insurance excess is the amount of money you have to pay towards a claim. Your insurer won’t pay out for a claim that costs less than this amount.
A voluntary excess is normally an amount set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess, which could in turn reduce your premium.
Meanwhile, a compulsory excess amount might vary depending on the age and standard of your caravan or your driving experience.
With Paul Baker’s Economy policy, there is a compulsory excess of £100. There is no excess to pay on its Select policy.
You’ll find details about any compulsory or voluntary excesses in your policy document.
What is the claims process for Paul Baker?
To make a claim, you can first call the Paul Baker claims line on 01242 508960. You will then be advised what to do next but you may also need to contact AXA as the insurance provider of your policy.
You’ll need to have your insurance policy details as well as all facts about any incident to hand.
It’s important that you let your insurer know about an incident as soon as possible, even if it’s not your fault. A delay in reporting an incident or failure to report it could result in a rejected claim later on.