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.
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:
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
Your policy should cover you for thefts from your caravan, or of the caravan itself
If you take out a policy with contents cover, the furniture and personal possessions you store in your static caravan will be covered
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
Something else to look for if you’re renting your caravan out, in case someone gets hurt while using it
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
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
Something else that’s often an optional extra, legal cover will pay the costs of legal action taken over your caravan
This can pay for a locksmith and new keys if yours are lost or stolen
If your static caravan is kept in the European Union, check your policy includes European cover
There are some common exclusions to look out for on static caravan insurance policies.
You usually won’t be covered for:
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.
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.
Your contact details, date of birth and employment status.
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.
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.
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.
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.
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.
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.
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.
Check your policy has all the features you need
Consider new-for-old cover
Make sure the contents cover limit is high enough
Check your caravan’s covered when it’s left empty
Consider optional extras like home emergency and legal cover- but don’t pay extra for what you don’t want or need
Compare policies to get the right cover at the best price
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