Static caravan insurance

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Do I need static caravan insurance?

Static caravan insurance isn’t a legal requirement, but some caravan parks might insist that you have it as a condition of keeping your caravan on their site. 

Yet statics are often worth tens of thousands of pounds – that’s a major investment. Caravan insurance will cover you for unexpected damage or a theft, so it’s a good idea to compare some quotes and consider taking out cover.

And just because your static caravan won’t be towed from site to site like a touring caravan doesn’t mean there aren’t any risks to cover – caravan insurance can usually include things like storm damage, fire, theft, accidental cosmetic damages and contents replacement.

Unless you live in your caravan it’s likely to be left empty from time to time – static caravan insurance can cover it even when it’s unoccupied.

What does static caravan insurance cover?

Static caravan cover will vary from policy to policy, but most will include cover for damage, destruction or loss due to fire, severe weather or crime.  

Read the terms and conditions of your caravan insurance policy to find out exactly what it does and doesn’t cover.

Your policy might include:

  1. Adverse weather, storms and floods

    Caravan parks are often located in scenic, coastal locations – which can be storm-battered, wet and windy in the off-season. Check you have adequate cover for extreme weather on your policy

  2. Theft

    Your policy should cover you for thefts from your caravan, or of the caravan itself

  3. Contents cover

    If you take out a policy with contents cover, the furniture and personal possessions you store in your static caravan will be covered

  4. Damage caused by renters

    You’ll need to tell your insurer if you’re letting your static caravan out and you should check if your policy has cover for deliberate or accidental damage caused by holidaymakers

  5. Public liability

    Something else to look for if you’re renting your caravan out, in case someone gets hurt while using it

  6. Residence

    If you plan to live in your static caravan, either all year round or for several months at a time, make sure your policy includes using it as a permanent residence

  7. Home emergency

    This will get help fast for problems with gas, electricity or water supply. You’ll often have to pay more for it as an optional extra

  8. Legal protection

    Something else that’s often an optional extra, legal cover will pay the costs of legal action taken over your caravan

  9. Key cover

    This can pay for a locksmith and new keys if yours are lost or stolen

  10. European cover

    If your static caravan is kept in the European Union, check your policy includes European cover

What's not covered?

There are some common exclusions to look out for on static caravan insurance policies. 

You usually won’t be covered for:

  • Wear and tear
  • Vermin and insect damage
  • Damage or loss due to poor security
  • Damage or loss while using your static caravan as a permanent residence, or renting it out, if you haven’t declared that when you took out the policy
  • Using your caravan for trading

What’s the difference between a touring caravan and a static caravan?

A touring caravan is towed from place to place by a car or another type of vehicle.

Static caravans, or mobile homes, are usually towed to a site by an HGV, where they stay for many years as a semi-permanent structure.

How to get a static caravan insurance quote

It’s easy to get a quote, but you’ll need to know a few details about your caravan, how you use it and where you keep it.

  1. Personal details

    Your contact details, date of birth and employment status.

  2. Caravan details

    The make, model and size of your caravan and its year of manufacture. You’ll also need to tell us how you use it – whether that’s just you and your family or letting it out to holidaymakers, or something else like your permanent residence.

    Tell us where you keep your caravan and a bit about the park or site.

  3. Security

    You’ll need to know what security your caravan has, like an alarm or corner anchor points.

    You’ll also need to say what security there is at the site where you keep it, whether that’s CCTV, a warden or security gates and perimeter fence.

  4. Level of cover

    State the value of your caravan and of the possessions and contents you keep in it.

    Tell us about your years of no claims as well, as that might mean you get cheaper quotes.

Does the site my caravan is on make a difference?

If your caravan’s kept on a site that’s registered with the Caravan Storage Site Owners’ Association (CaSSOA), you might get a discount on your policy

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Types of static caravan cover

There are a few more unusual types of cover or usage for static caravans, but by comparing quotes you can find the right policy for you.

Insuring your mobile home

Do you live in your caravan? Park home or mobile home insurance covers a caravan or motorhome that’s your permanent residence.  

If your caravan’s your permanent dwelling, your needs will be quite similar to a home insurance policy. Read your policy documents carefully to make sure you’re getting the right cover, including things like home emergency cover and a higher limit for contents if you need it.

Insurance for a static caravan in the garden

Do you keep your static in your garden, maybe as an extra bedroom or a home office?

Make sure your insurance policy covers this, as some insurers will only offer insurance for static caravans on licensed sites.

If you’re using your caravan for any work or trade purpose you’ll need to declare that too when you get a quote.

Cover for older static caravans

Most insurers will cover older caravans, but their new-for-old cover will usually only cover caravans up to 20 to 35 years old.

If your caravan is older than 35 years, your insurer might offer to cover your static based on its market value, rather than a new-for-old basis. 

How can I get the best static caravan insurance?

  1. Check your policy has all the features you need

  2. Consider new-for-old cover

  3. Make sure the contents cover limit is high enough

  4. Check your caravan’s covered when it’s left empty

  5. Consider optional extras like home emergency and legal cover- but don’t pay extra for what you don’t want or need

  6. Compare policies to get the right cover at the best price

Caravan insurance guides and articles

Read all caravan insurance guides

[1] Gocompare.com introduces customers to i-Wonder Aggregator Services Limited which is an Appointed Representative of ITC Compliance Limited which is authorised and regulated by the Financial Conduct Authority. Gocompare.com’s relationship with i-Wonder Aggregator Services Limited is that of a business partnership, no ownership or control rights exists between us.