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Caravan Insurance

A static caravan is a dream holiday home for many. Cosy, comfortable, and located in some of the most beautiful parts of the country, static caravans offer a roomy, personal alternative to a hotel and a much more affordable alternative to a holiday cottage.

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To protect your caravan and your future, Park Insurance can source competitively priced specialist static caravan insurance from some of the UK’s leading providers. We understand that when you get an insurance quote, you’re looking for cover that reassures you that your holiday home is safe, secure, and protected, and at a price that suits your budget.

What is static caravan insurance and why is it important?

Static caravan insurance is a specialist form of cover designed for larger static caravans that stay in one fixed location, usually on a holiday park or private plot. It protects the static caravan itself, as well as your belongings, and your liability as an owner or occupier. It’s similar to home and contents insurance, but because caravans are classed as non-standard dwellings, normal home building insurance is unlikely to cover it in the same way.

Static caravans face higher weather exposure due to the fact that they are often in exposed coastal locations. There are also additional holiday‑park risks such as potential damage by a third party. Non‑standard construction issues such as rust or leaks that can cause damage to the frame of the caravan may not be covered by standard home or touring caravan insurance. That’s why if you have a static caravan, it’s important to get the right cover.

If you purchase a caravan that’s located in a holiday park, it may also be a requirement of both your financial lender and the park owner that you take out comprehensive insurance.

Static caravan vs touring caravan insurance - What's the difference?

The difference between static caravan and touring caravan insurance is that each is specifically designed to cover different types of caravan. Static insurance covers caravans fixed in one place, such as at holiday parks or on private plots, while touring caravan insurance covers caravans you tow on the road. The two are not interchangeable, so if you have both a static and a touring (vehicle-towed) caravan, you will need two different insurance policies.

What does static caravan insurance cover?

Each static policy will differ, but in general, it protects against:

  • Internal and external accidental damage
  • Theft and, in some cases, vandalism or deliberate damage
  • Flood, fire, or weather damage
  • Financial protection for injury or damage to a third party’s property through public liability insurance

With many policies, there is also the option to include contents insurance, which protects your caravan contents including furnishings and personal items.

What isn't covered

Standard static caravan insurance may not cover any outdoor features such as hot tubs. You may need to take out additional insurance or look for a policy that allows you to add external items to your cover.

The benefits of having appropriate cover

Static caravan insurance is there to protect your caravan in the same way that house insurance protects your home. Caravans are more vulnerable to extreme weather events such as storms and flooding. Specialist insurance protects you financially against loss or damage to your caravan and its contents, as well as giving you liability insurance.

If your caravan is located on a holiday park, the owners of the site may insist on fully comprehensive policy to protect both yours and their interests. Without the required insurance, you may not be able to use your caravan as you want.

Different types of policies to consider

There are different types of static caravan insurance. Your broker will be able to take you through the options, including:

  • Static caravan home insurance – Covers the caravan against storm damage, fire, flood, and accidental damage
  • Static caravan contents insurance – Covers your contents including furniture and personal possessions
  • Static caravan lettings insurance – Covers you if you decide to let out your caravan to paying guests
  • Liability insurance – Gives you cover against the financial cost of injury or damage to property compensation claims
  • Unoccupied cover – Protects you financially while the caravan is unoccupied
  • Legal expenses insurance – Can provide cover for certain legal costs arising from specified disputes or legal proceedings, such as some site-related disputes, subject to the policy terms and conditions.

How much does static caravan insurance cost?

The cost of your insurance policy will depend on a number of factors including where your caravan is located, its value, and how old it is. It will also depend on whether it’s your main residence or a holiday home, and whether you want to rent out the caravan to paying guests. Your broker can take you through the costs to find a competitively priced option that suits your budget and your needs.

Can I get insurance if I live in my caravan?

Some specialist policies can provide cover for a static caravan used as a permanent residence, but holiday-home insurance may not be suitable for residential use. If the caravan is your main or permanent home, tell your broker so they can identify appropriate cover.

Does caravan insurance cover storm damage?

Generally, most insurance quotes will include cover for storm damage. You will need to check the terms and conditions to ensure you get the right level of cover.

Insure your static caravan with Park Insurance

For over 30 years, Park Insurance has provided specialist and bespoke insurance packages for clients including those who own and use static caravans. As preferred brokers to some of the UK’s largest insurance providers, we can source insurance that’s flexible, designed for your lifestyle, and competitively priced. You can use our online Get A Quote function for an instant, no-obligation insurance quote, or contact us today for more details.

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Park Insurance Services Ltd
323 Church Road
St George
Bristol
BS5 8AA

Tel: 0117 955 6835

Email: info@parkinsurance.co.uk

Park Insurance Services Limited is authorised and regulated by the Financial Conduct Authority under FRN 998383. You may check this on the Financial Services Register by visiting the FCA website. Park Insurance Services Limited is registered in England and Wales (company number 13091532). Registered address: 323 Church Road, St. George, Bristol, England, BS5 8AA.