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Static Caravan2022-05-12T15:57:25+01:00
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Home » Caravan Insurance » Static Caravan

Are you a static caravan owner?

Then, we don’t need to tell you how brilliant they are for making the most of Britain’s countryside and coastlines. However, with such a significant investment can come added responsibility—you should ensure you have protection should something go wrong.

All Intasure’s static caravan insurance policies are underwritten and administered by our dedicated and experienced teams. For you, that means receiving a policy that can mitigate against multiple risks. Find out how below.

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What is static caravan insurance?

Static caravan insurance protects prefabricated caravans that are situated in one area. Typically, these properties are usually constructed with stainless steel, fibreglass, PVC, or a mix of all three. So, you may need a unique insurance policy as these properties aren’t made from traditional bricks-and-mortar. Likewise, standard home cover doesn’t tend to cover specific risks associated with static caravan life, such as coastal flooding. Thankfully, Intasure policies can mitigate against these disasters.

What does static caravan insurance cover?

For many, static caravans are a retreat: a weekend sanctuary away from the stresses of everyday life, or a place to entertain kids during summer holidays. However, some static caravan homeowners may use their property as a year-round, permanent residence. In any case, our policy can safeguard you and your static caravan. Fancy renting your property out to friends or other guests? We can also cater policies for letting, too.

Some of the key aspects of Intasure’s static caravan insurance include:

  • Building & contents cover – protection against physical loss or damage to your unit and contents, can include accidental damage*.
  • Natural Disaster cover – if your static caravan is damaged by a natural disaster, such as a storm, flood, or earthquake.

  • Year-round cover – whether your property is occupied or not.

  • Public liability – cover up to £2.5 million included as standard.

  • Alternative accommodation and pitch fees – if damage to your home makes it uninhabitable.

  • Optional Key cover – to include a new set of keys and replacement locks if you lose your keys.

Optional covers are typically suited to homeowners who rent out their static caravan, they include:

  • Enhanced accidental damage cover* – protection extended to family and guests.

  • Enhanced liability cover* – public liability cover extended up to £5 million.

* Please refer to your policy details. Accidental damage cover and enhanced liability cover are optional extras which can be included in your policy.

What countries does Intasure static holiday caravan insurance cover?

  • UK (England, Scotland, Wales, Northern Ireland, and the Channel Islands)
  • France
  • Greece
  • Italy
  • Portugal
  • Spain

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 situated 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 are 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 should expect to pay higher premiums for properties of a higher value.

We understand that deciding upon a reputable provider can come down to experience, customer service, and breadth of cover. As an experienced static caravan and holiday home provider, we have the in-house knowledge to assist you in choosing cover to meet your needs. That means your investment can be safeguarded, and you can enjoy your next holiday stress-free.

Moreover, our UK-based, English-speaking representatives are on-hand to answer your questions no matter where your static caravan is situated. They’ll help you get set up, make any modifications to your policy, and handle renewals.

Get a quote online or contact our UK team on 0345 111 0680 for more information.

Get a Static Caravan Quote Now >>

Static caravan insurance FAQs

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.

Am I covered if my static caravan is unoccupied?2022-02-17T15:02:40+00:00

Yes, our policies 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.

Does static caravan insurance cover contents?2022-02-17T15:03:45+00:00

Yes, you have the option of choosing 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.

Do I need specific cover to use my static caravan as a holiday let?2022-02-17T15:04:29+00:00

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. To get a better idea of the level of cover you may need please get in touch with our dedicated team.

What level of cover should I choose?2022-02-17T15:05:17+00:00

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

Intasure Customer Reviews

Get a static caravan quote online or contact our UK team on 0345 111 0680 for more information.

Get a Static Caravan Quote Now >>

*This provides you with a summary of the cover. For precise details of cover, including the conditions and exclusions that apply, the policy document itself should be referred to.

Product information
View and download Insurance product information document:
Click here

Policy Wording
Static home insurance, View and download policy wording:
Click here

Legal Assistance
View and download policy:
Keyfacts – Click here
Wording – Click here

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