Static caravan insurance protects your caravan against loss or damage. This could be the result of bad weather, a fire or vandalism. Many policies include cover for your contents, similar to a home insurance policy.
A static caravan is designed to be just that and is usually fixed in one place. This differs from touring caravans, which are designed to be mobile and towed by a vehicle.
Static caravan insurance is not a legal requirement. However, you might want to make sure you have cover in place.
Caravan insurance typically covers for damage caused by severe weather. The amount of cover will depend on the type of policy you choose. You can also select contents cover, which protects the contents of your caravan from theft or loss. It’s important to fully understand your needs when getting a quote.
Cover available for static caravan insurance includes:
- New for old cover, which ensures that if any of your contents are stolen or damaged beyond repair, you’ll be able to claim for a brand-new replacement.
- Storm damage will cover the cost of your caravan if it’s damaged by a storm or flooding. This is particularly important if your caravan in an area that is prone to flooding or bad weather.
- Market value cover, which is similar to new for old cover. However, the difference is that instead replacing whatever has been stolen or damaged with new items, your insurer will only pay out on the market value of those items. Make sure you check your policy to see what’s included.
- Contents cover is similar to your typical home and contents insurance. This protects your personal belongings against damage or theft, based on how much your contents are worth.
- Homecare emergency. Some insurers allow you to add homecare emergency services to your policy. This would come in useful if you something went wrong, such as your drainage or plumbing.
90% of our customers paid less than £200* for static caravan insurance.
The overall price of your static caravan insurance can vary depending on several things. These include:
- How much your static caravan is worth. The more expensive your caravan is, the higher the premium.
- Where you keep your caravan. If it’s kept in an area with poor security, then this could affect your premium.
- The contents value. If you keep expensive items in your static caravan and choose to have these as part of your contents insurance, this will increase your premium.
- Your claims history. Building up a history of making no claims, will reduce your premium.
- Any extra security features you have. Having extra security features such as cameras fitted to your caravan can help reduce the cost of your insurance.
- Any additional extras you want included in your caravan insurance. The more extras you add to your caravan insurance, the higher your premium will likely be.
It is important to make sure you get the static caravan insurance policy that is right for you and not just the cheapest. Get a quote to fully understand your needs.
*Based on Confused.com Data, October 2020
Not everything will be covered by your insurance policy, so make sure you find out exactly what is and isn’t. Common exclusions to a static caravan insurance policy might include:
- Damage caused by wear and tear
- If you use your static caravan as your main home
- Theft through lack of security, such as leaving your caravan unlocked
- Damage caused by insect or vermin infestation
- Cover if you keep your caravan abroad, where you might need a specialist European policy.