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Static Caravan2022-09-13T13:32:06+01:00
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Home » Caravan Insurance » Static Caravan

Owning a static caravan can be a significant investment, particularly if you want suitable protection in the event of an accident. Our caravan insurance policies provide cover to help mitigate many risks associated with owning and maintaining a static caravan.

What is static caravan insurance?

Static caravan insurance can provide cover against theft, liability, accidents, and damage. Although it isn’t a legal requirement, many home insurance policies don’t cover static caravans. That means you typically won’t have protection against standard static caravan risks, such as coastal flooding. By purchasing static caravan insurance, you’ll have cover for loss and damage if the worst happens.

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What does static caravan insurance cover?

Our static caravan insurance can help to protect you against many static caravan risks, including theft, damage, natural disasters, and even losing your keys. Better still, we can tailor policies to meet your specific needs. So, whether you let your caravan to friends, use it as a holiday home, or live there permanently, we can offer a personalised package with the cover you require.

Intasures static caravan insurance policies can include*:

  • Building and contents cover to help protect against physical loss or damage to your static caravan and can include accidental damage

  • Natural disaster cover to help protect you if a natural disaster damages your static caravan, such as a storm, flood, or earthquake

  • Public liability cover up to £2.5 million as standard

  • Alternative accommodation and pitch fees if damage to your home renders it uninhabitable

  • Optional key cover including a new set and replacement locks if you lose your keys

  • Emergency travel if you need to visit your static caravan home to oversee repairs following a claim or to reach a primary residence if you’re stranded

  • Malicious damage or vandalism cover for your property and contents if they are intentionally damaged

  • Replacing and fitting locks cover for the cost of replacing and fitting locks on external doors, windows, intruder alarms, and safes

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

Optional covers are typically suited to homeowners who rent out their static caravan, including*:
  • Enhanced accidental damage cover with protection for family and guests

  • Enhanced liability cover with public liability cover up to £5 million

*Please refer to your policy details. You can add accidental damage and enhanced liability cover to your policy as optional extras.

What’s not covered?

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

Do I need static caravan insurance?

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, most 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 knowing you’re protected should the worst happen. You’ll also have dedicated insurance required by many caravan parks.

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.

Why choose Intasure?

As an experienced static caravan provider, we know how to help you choose an insurance package that meets your needs. Our UK-based, English-speaking representatives are also on-hand to answer your questions. Once set up, they’re available to 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.

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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.

Is static caravan insurance a legal requirement?2022-09-06T15:56:46+01:00

No, static caravan insurance isn’t a legal requirement. However, caravan parks may require you to have static caravan insurance to stay on their site. Also, many home insurance policies don’t cover static caravans, so it’s worth considering if you don’t want to pay for costly accidents.

How do I make a claim?2022-09-06T16:19:47+01:00

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.

What is the difference between a touring caravan and a static caravan?2022-09-06T15:58:24+01:00

As the name suggests, static caravans stay in one place. They tend to be larger than touring caravans, so they’re often fitted with added facilities and home comforts. In contrast, touring caravans are mobile and attached to vehicles, transported to sites across the UK and beyond.

Intasure Customer Reviews

Get a static caravan insurance quote now or call our UK based team on 0345 111 0680 for more information.

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

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