Static Caravan Insurance

FAQ

Please note that these frequently asked questions are not a substitute for the policy wording. For full terms and conditions please see the policy documentation.

• How much does static caravan insurance cost?

  As with all insurance policies, the premium will depend on several factors, such as:

  • The location of your static home – for example, if your static caravan is in a high flood or storm risk area, you might receive a more substantial quote.
  • The size of your static home – large static caravans tend to incur higher premiums when compared to properties with small floor plans.
  • The age of your static home – you may find that older static caravans need regular maintenance and therefore can be more expensive to insure. Whether you opt for new for old or market value cover can also affect cost.
  • The value of your static home – as with residential home insurance, you may have higher premiums to pay for properties of a higher value.

  For an accurate overview of your policy cost, speak to a member of the Intasure team on 01892 269 079. Our specialist team can help you compare caravan insurance types to help you find suitable cover.

• Is static caravan insurance a legal requirement?

  Static caravan insurance isn’t a legal requirement, but that doesn’t mean you shouldn’t consider it. Many caravan parks ask for static caravan insurance to stay on their site. Plus, many home insurance policies won’t cover liability, damage, loss, and theft for static caravans, possibly leaving you liable to pick up the costs if something goes wrong. Purchasing static caravan insurance can help to provide peace of mind should the worst happen. It can also provide dedicated insurance required by many caravan parks.

• Does static caravan insurance cover contents?

  Yes, you can choose between new for old or market value cover. New for old means we can cover the cost of replacing a lost or damaged item or the closest equivalent where this isn’t possible. This relates to your contents and property. Market value cover, on the other hand, means we can cover the cost of the item at the date the incident took place, providing a used replacement of the same age and condition. The maximum amount insurers will pay is limited to the sum insured shown in your schedule of insurance. All cash settlements will be on a market value basis only.

• What level of caravan insurance cover should I choose?

  Your insurance is divided into contents and property cover. Therefore, it is crucial to correctly calculate the value of your contents – especially your static caravan. Miscalculate this figure and you could be underinsured.

• What does new for old caravan insurance cover mean?

  New for old caravan insurance cover means we’ll cover the cost of replacing your static caravan with an equivalent model in the event of a total loss claim.

• What’s not covered by static caravan insurance?

  Although our policies include a range of covers, there are a few risks that we don’t cover. So, it’s a good idea to carefully check your policy to review any exclusions, such as:

  • General wear and tear
  • Damage caused by pets, insects, or vermin
  • Accidental loss/damage caused by faulty manufacturing
  • Damage or loss from poor security, such as leaving doors unlocked

• Am I still covered if my static caravan is unoccupied?

  Yes, our policies can provide cover whether your property is occupied or not. However, you must inform us if your static caravan is unoccupied for a continuous period exceeding 180 days.

• Do I need specific cover to use my static caravan as a holiday let?

  You may find that you require optional cover, such as extended accidental damage cover, in addition to our standard protection, which covers your caravan and its contents. Please get in touch with our dedicated team to get a better idea of the level of cover you may want.

• How do I make a caravan insurance claim?

  To make a claim, first read the policy and schedule to check that you’re covered. To register a claim, please download a claim form, complete it and return it to Intasure.

  • Claims office hours: Monday – Friday: 8:30 am – 5:00 pm
  • Personal claims phone number: +44 (0)345 111 0672
  • 24hr emergency claims phone number: +44 (0)345 111 0672
  • Personal claims email: claims@intasure.com