Static Caravan Insurance
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Providing insurance advice for over 90 years, helping to arrange Static Caravan policies designed to suit your needs and requirements.
Flood is the risk static caravan owners ask us about most, and for good reason. Many holiday parks sit near rivers, estuaries, or the coast, exactly where standard cover falls short. Static caravan insurance with flood cover is one of the most searched forms of this policy, so we lead with it: we arrange static caravan insurance that includes flood protection, alongside storm, fire, theft, and the new for old settlement that owners care about most.
We can arrange static caravan quotes so whether your static caravan is new or old, contemporary or classic, small or large, we can help you find suitable cover for it. Get in touch with our friendly team, who will be happy to help you find the cover you are looking for.
What Static Caravan Insurance Can Cover
- Accidental Damage
- Contents Cover
- Valuables and Personal Possessions
- Flood, Fire, and Theft Cover
- Loss of Keys
Static Caravan Insurance With Flood Cover
Because so many static caravans are sited close to water, flood is the peril worth checking first. Not every policy treats it the same way. Some include flood as standard, some exclude it on higher-risk sites, and some offer it as an option, so the wording matters as much as the price. We ask insurers directly about floods in your particular park before you buy, so you know whether the cover is there rather than finding out after a river bursts its banks. If your caravan sits on a floodplain or a coastal park, tell us, and we will focus on the providers most willing to cover it.
New for Old or Market Value: How Your Claim Is Settled
The single biggest decision when insuring a static caravan is how a total loss is paid out, and there are two ways it can work. New for old replaces a written-off or stolen caravan with a brand new equivalent, so you are not left short by depreciation. Market value, sometimes called indemnity settlement, pays what the caravan was worth at the time of the loss, which for an older van can be far less than the cost of replacing it.
New for old usually costs more and often has an age limit, after which cover switches to market value. It is worth knowing which basis you are being quoted on, because two policies at similar prices can settle a claim very differently. We will explain the settlement basis in plain terms and match it to the age and value of your caravan, so a claim does not come with an unwelcome surprise.
Storm and Weather Damage
Static caravans take the full force of the weather in a way a house does not. High winds can lift roofs and awnings, move a poorly anchored van, or bring down a neighbouring tree, and driving rain finds gaps a brick home would shrug off.
Storm cover is a core part of a good static caravan policy, but insurers will expect the caravan to be properly sited, tied down where required, and maintained, and they may look more closely at exposed coastal and hilltop parks. Keeping gutters, seals, and tie-downs in good order protects both the caravan and your claim.
Touring Against Static: Which Cover You Need
Owners often ask what the difference is between touring and static caravan insurance, and it comes down to how the caravan is used. A touring caravan is towed on the road behind a car, so its cover deals with road risks, hitching, and theft in transit.
A static caravan stays on one pitch on a holiday park, so its cover is closer to a holiday home policy, dealing with the site, the weather, contents, and public liability for visitors.
The two are not interchangeable, and a touring policy will not protect a sited static van. If your caravan stays put in a park, static caravan insurance is the cover you need.
Older Caravans and Age Limits
A common worry is whether an older static caravan can still be insured, and the answer is usually yes, though the terms change with age. Some insurers set an upper age limit, others simply move older vans from new for old onto a market value basis, and a few ask for photographs or a recent inspection to confirm condition. None of that means an older caravan is uninsurable. As a broker we know which providers are comfortable with older static caravans, so a van that one insurer declines on age alone can often be placed elsewhere on fair terms.
Sited on a Licensed Park or on Private Land
Where the caravan stands affects the cover. Most static caravans sit on a licensed holiday park, which has its own security, rules, and often a requirement that you hold insurance, and insurers are very comfortable with this. A static caravan kept on private land, for example in a paddock or on your own property, is a different proposition, because there may be less passive security and no site management, so insurers ask more about access, alarms, and occupancy.
Both can be covered – just tell us whether the caravan is on a park or on private land and we will approach the right insurers for the situation.
Why Choose Us for Static Caravan Insurance?
- 90+ years’ experience in insurance
- An allocated customer service team to guide you through the insurance process
- A team with a wealth of knowledge on static caravans
- Access to a wide range of insurance providers
Looking to insure your static caravan? Get a quote from our dedicated team today.
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For any enquiries or general queries please contact us
Frequently Asked Questions
Static Caravan Insurance is a type of policy designed to help protect your static caravan against risks such as theft, fire, storm damage, and vandalism. It can also cover contents inside the caravan and provide liability coverage.
While Static Caravan Insurance is not legally required, it is recommended. Many caravan parks require proof of insurance, and having cover can help protect you from significant financial loss in case of damage or theft.
The cost of Static Caravan Insurance varies based on factors such as the caravan’s value, location, age, and the level of cover you choose.
Yes, Static Caravan Insurance policies can provide cover for contents inside the caravan. This can include furniture, electronics, and personal belongings. Be sure to get in touch to understand the full extent of cover.
You can help to reduce the cost of your insurance by installing security features such as alarms and immobilisers, choosing a higher excess, and maintaining a no-claims history.
If you need to make a claim, contact us as soon as possible. Provide us with all necessary details and documentation, such as photos of the damage and a police report if applicable.
Yes, many insurers offer policies that cover static caravans used as holiday lets. Be sure to inform us about how the caravan is used to ensure we can arrange appropriate cover.
It’s a good idea to review your policy annually or whenever there are significant changes, such as upgrades to the caravan or changes in its usage. This helps to make sure that your cover remains adequate and up to date.