Finding the right static caravan insurance
Whether you own a caravan or you’re simply doing research on the cost of owning one, it’s important that you find an insurance policy that covers your needs. Here at The Insurers, we can provide you with static caravan insurance quotes from a range of suppliers, so you can easily compare deals to find the best one for your needs.
What is classed as a static caravan?
A static caravan is a temporary holiday or residential home. Usually built using PVC or stainless steel, static caravans are attached to a vehicle's chassis for easy transport, but are usually kept in one place for many years.
What is static caravan insurance?
If you don’t have static caravan insurance and something happens to your home away from home, you risk being out of pocket.
As most static caravans are left unoccupied most of the time, it’s important to have comprehensive insurance for any damage or theft that may occur whilst they are empty. Most policies will also provide cover for any accidents or damage that occurs whilst the caravan is occupied, although it is important to check the policy documentation to see what is covered, and who is covered – owners only, owners and family, paying guests etc.
Protection levels vary for static caravan insurance policies, but coverage is usually available for:
- Theft of the whole caravan
- Theft of belongings
- Theft of equipment, including gas canisters
- Flood damage
- Weather damage
- Awning damage
- Decking damage
- Other optional coverage is available
Each policy has different features and optional extras, so it is important to confirm that you have all the cover you need before buying. Ensure you read the terms and conditions of your static caravan insurance quote in order to confirm it meets your needs before proceeding.
What does static caravan insurance cover?
What your policy covers will depend on your provider and the type of insurance you choose. In general, your quote will tend to cover damage, destruction, crime and fire damage. Other things that may be covered include:
- Contents cover for any items left in the caravan
- Damage caused by others (great for if you rent out your caravan)
- Key cover
- European cover (perfect for when you’re travelling)
- Severe weather damage including floods
Different types of cover
Static caravan insurance has two different types of cover – ‘New for Old’ and ‘Market Value’.
If your caravan is written off and you have New for Old cover, in the event of a payout from your insurer you’ll receive the latest version of your caravan or another new equivalent, rather than receiving a cheque for the value.
If you have Market Value cover, you’ll receive the caravan’s current market value at the time of the incident. You must provide an accurate current value for your caravan if you opt for this type of cover.
When you compare static caravan insurance, ensure you choose the right policy for you, whether that’s “New for Old” or “Market Value”, as you may find that the alternative is less budget-friendly.
Do I need to have static caravan insurance?
Although it’s not a compulsory legal requirement, many caravan parks insist on you having cover in order to stay on their site. This is not only to cover themselves but also you and your property. Static caravans often cost thousands of pounds and for many, this is a large investment. Having the correct insurance will cover you if you’re a victim of theft or damage, so it’s a good idea to compare quotes when possible, even if your caravan is left in a secure garage.
Compare Static Caravan Insurance FAQs
When looking for a static caravan insurance quote, storing your caravan at a secure caravan site could help to reduce your premiums. Ensure that you correctly submit the security measures of your location when you are filling in the quote form. Security devices such as window locks may also reduce premium costs.
Also known as a CRiS number, your caravan serial number may help to reduce your premium and can be found in a number of places on your caravan including your gas locker and on window frames.
The main difference between these two types of caravans is that touring caravans are usually towed from place to place by another vehicle. Static caravans differ from this in that they are usually towed less often, and stand as a semi-permanent structure on a caravan site.
This depends on the policy and cover you choose. When you compare static caravan insurance, keep in mind that the value of your caravan, the brand, where it’s kept, your driving history or if you’re a member of a club are all things that can have a big influence in your policy price as well as the number of claims you have made in the past.
Yes, even if your caravan is your permanent residence, you can still take out an insurance policy to cover it from theft and damage. However, some brokers may only insure you if your caravan is situated in a permanent caravan park or another appropriate location. When applying for your insurance, mention that you’re using it for your home in order to save time.
Although a lot is usually covered within your policy, some surprising things may not be. Common exclusions from static caravan cover includes:
- General wear and tear
- Using your caravan as your main home
- Pest infestations
- European cover
With many providers, there may be additional costs to look out for which is why we recommend you always read the fine-print when you compare static caravan insurance. If your caravan is destroyed in an accident or by fire, you may be liable to pay for debris removal or other costs outlined below.
Debris removal: If your unit needs to be replaced, then your current debris will need to be removed. Under current legislation, there are strict rules on how you should do this. Depending on the area you live, debris removal can cost up to £5,000. You should also check with your local council on the best practice for removing debris before taking action. This is to avoid any hidden fines.
Delivery charges: To cover the cost of transporting your new caravan to you, you may be liable for the cost of delivery.
Siting costs: You may also be liable for charges when siting your new unit onto your plot and connecting it to park facilities such as electricity.