Static caravan insurance

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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.

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

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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

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Other types of insurance

Car insurance

is a legal requirement if you're driving in the UK. Find out more about choosing the right cover at the right price.

Travel insurance

is a great way to cover you against medical bills, delayed flights and stolen items when you're on holiday.

Touring caravan insurance

covers your caravan travelling on the road and whilst at a campsite

European travel insurance

it will cover you for any holidays that you've got planned in Europe this year.

Private van insurance

protects your van for social use and commuting to work.

Page last reviewed: 26 October 2023

Reviewed by: Louise Thomas

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