Static caravan insurance

Compare cheap quotes for static caravan insurance

  • Protect your investment and home from home

  • Insure against damage, theft and public liability

  • Compare quotes and get covered today

What is static caravan insurance?

Static caravan insurance is specifically tailored to protect your static caravan, which is designed to stay in a fixed spot. Depending on the insurer, it can include loss or damage from:

  • Bad weather
  • Flood
  • Fire
  • Theft
  • Vandalism

Many static caravan policies include cover for your caravan’s contents as well as its structure.

Static caravan insurance isn't the same as touring caravan insurance, which covers caravans that travel around the country.

You may need holiday home insurance if you own a park home on a caravan site, or a property you use for a holiday let.

Do I need static caravan insurance?

Caravan insurance isn't a legal requirement, but you might be taking a major financial risk by not having it. Static caravans can be worth tens of thousands of pounds, and that’s without even considering the value of the contents.

In any case, some caravan parks require you to have caravan insurance in place to keep your caravan on their site.

What does static caravan insurance cover?

What’s covered by static caravan insurance varies between insurers, so you should always check your policy wording before buying.

Static caravan insurance usually covers:

  • Damage caused by fire and bad weather
  • Flooding - some insurers may exclude cover if the caravan site is in an area that’s at high risk, or has a history of flooding
  • Public liability cover for third-party claims made against you about your caravan
  • Theft, loss or damage to the caravan or its contents
  • Malicious damage
  • Accidental damage to the caravan’s structure or contents

Optional cover with static caravan insurance includes:

  • Key cover to protect your keys if they’re lost, stolen or damaged
  • Legal assistance cover for any uninsured losses due to an accident that’s not your fault
  • Homecare emergencies, covering emergency call-outs to fix drainage or plumbing issues
  • Cover for rental caravans - If your caravan becomes uninhabitable, it could also cover emergency accommodation for those renting your caravan

Compare cheap quotes for your static caravan

What isn't included?

Static caravan insurance doesn't usually cover:

  • Damage caused by wear and tear
  • Using 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
  • Lost income due to lack of rent

Not everything will be covered by your insurance policy, so make sure you find out exactly what is and isn’t.

What are the different types of static caravan insurance?

There are 2 main types to choose from:

New for old covers theft and damage beyond economical repair. You can get a brand new caravan as a replacement. This is as long as your total amount of cover is enough to cover the cost of a new caravan.

Market value is a lower level of cover. The most you can get if your caravan is stolen or beyond economical repair is its market value at the time of the incident.

What do I need to get a quote?

To get static caravan insurance, tell us about you, your caravan and the level of cover you want:

Caravan details

  • The size, make and model
  • When you bought it
  • What you’ll use it for
  • How the caravan's fixed in place
  • Security features in use
  • Its condition
  • Where it’s kept and the level of security there
  • If the caravan site has a history of flooding

Your details

  • Name, address, age and occupation
  • Details of any no claims bonus on caravan and/or household insurance you’ve built up

Your cover

  • The type of cover you need
  • How much voluntary excess you want to pay
  • If you’ll be paying annually or in monthly instalments
  • Any optional extras you want to include

What our caravan insurance expert says

''Caravan holidays are back in demand and are growing in popularity, so it’s a great time to own one. According to a report by Mintel, 29% of adults agree they're more likely to take a camping or caravan holiday than they were before the pandemic. 

Insuring your static caravan gives you peace of mind against any damage that holiday renters could cause, such as break-ins and vandalism. It's also important to maintain and look after your caravan, as insurance won't cover wear and tear.''

Louise Thomas, Motor Insurance Expert at
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Page last reviewed: 26 October 2023

Reviewed by: Louise Thomas motorhome and caravan insurance is administered by Vast Visibility Ltd who are authorised and regulated by the Financial Conduct Authority under firm reference number 566973. Vast Visibility Ltd is registered in England & Wales No. 05866769 at office: 8 Princes Parade, Liverpool, L3 1DL.
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