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.

• What is static caravan insurance?

  Static caravan insurance can help protect your caravan against a range of risks, including theft, accidents, liability claims, and damage from natural events like storms or floods. Although it isn’t a legal requirement in the UK, many standard home insurance policies don’t cover static caravans, so you could be left without protection for your holiday home.

  Purchasing dedicated insurance for a static caravan means you can help safeguard your investment against unexpected events, whether it’s occupied or not.

• How much does static caravan insurance cost?

  As with all insurance policies, the premium depends 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, your policy might be more expensive.
  • The size of your static caravan: Larger static caravans tend to cost more to insure than smaller ones.
  • The age of your static caravan: If your caravan is older, your insurance is usually more expensive than a modern static caravan. Whether you opt for new for old or market value cover can also affect cost.
  • The caravan’s value: As with residential home insurance, you may pay a higher premium for a more expensive caravan.

  For an accurate overview of your policy cost, speak to a member of the Intasure team on 0345 111 0680. Our specialist team can help you compare insurance policies to find suitable cover.

• How can I get cheaper static caravan insurance?

  If you’re looking to reduce the cost of your static caravan insurance, there are a few steps you could take:

  • Choose a higher excess: Agreeing to pay a higher excess in the event of a claim could lower your insurance premium.
  • Enhance your caravan’s security: Installing security features such as alarms, wheel clamps, or trackers can help deter theft and may reduce your insurance costs.
  • Select a secure site: Keeping your static caravan on a secure, well-maintained site with controlled access and security measures in place could also lead to lower premiums.

• Can the site my caravan is on make a difference to the cost of my insurance?

  Yes, the location of your static caravan can significantly impact the cost and terms of your static caravan insurance. Insurers consider several factors when calculating your premium, including:

  • Security measures: Caravans on secure parks with controlled access, CCTV, or on-site security may cost less to insure.
  • Flood risk: If your caravan is in a flood-prone area, it could increase the cost of your insurance due to the higher risk of water damage.
  • Exposure to extreme weather: Sites exposed to harsh weather conditions, such as coastal storms or heavy snowfall, may also affect the cost and availability of cover.

• Is static caravan insurance a legal requirement?

  Static caravan insurance isn’t a legal requirement in the UK. However, many caravan parks require owners to have a minimum level of insurance in place as part of their site agreements. Even where it’s not mandatory, it’s worth considering, as it could help protect your investment against risks like theft, accidental damage, or severe weather.

• Does static caravan insurance cover contents?

  Yes, many static caravan insurance policies can include contents cover as part of their package. This can help protect the items inside your caravan, such as furniture, appliances, and personal belongings, against risks like theft, accidental damage, and natural disasters. Always check your policy documents for the specific level of contents cover available.

• What level of insurance cover should I choose?

  The level of static caravan insurance cover you choose depends on factors such as the value of your caravan, how you use it, and where it’s located. Key considerations include whether you require building and contents cover, public liability protection, or optional extras like enhanced accidental damage cover. It’s important to assess your lifestyle carefully to find suitable insurance for your static caravan.

• Which types of caravans can you insure with static caravan insurance?

  Static caravan insurance can cover a wide range of properties, including standard static caravans, static mobile homes, and even overseas static caravans. Whether you use your caravan as a holiday retreat, a rental, or a permanent residence, we can help you find a policy to suit your lifestyle.

• Does static caravan insurance cover weather damage?

  Yes, static caravan insurance can provide protection against various types of weather-related damage, including storms, flood, and snow.

  Policies are typically designed to help cover the financial impact of these weather events, but it’s important to review your policy documents for any specific limits or exclusions.

• What does new for old caravan insurance cover mean?

  ‘New for old’ static caravan insurance means if your caravan is damaged beyond repair or stolen and cannot be recovered, it may be replaced with a new equivalent model. This policy can help you avoid depreciation costs, so you’re not left out of pocket when replacing your caravan.

• What’s not covered by static caravan insurance?

  While static caravan insurance can offer protection against a wide range of risks, there are typically some exclusions. These may include:

  • Wear and tear or gradual deterioration
  • Damage caused by vermin or insects
  • Mechanical or electrical breakdowns
  • Loss or damage while the caravan is being transported (unless stated)

  It’s important to check your policy documents to understand exactly what is and isn’t covered.

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

  Yes, many static caravan insurance policies can provide year-round cover, even when the caravan is unoccupied. However, there may be specific conditions to meet during periods of unoccupancy, such as draining down water systems or maintaining regular inspections.

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

  If you let out your static caravan to paying guests, you may want additional cover, such as enhanced public liability insurance and accidental damage protection. Specialist holiday let insurance for static caravans can help ensure you have suitable protection when renting to others.

• How do I make a claim?

  Making a claim on your static caravan insurance is simple with Intasure. You’ll need to contact our claims team, provide the necessary details and supporting documentation, and we’ll guide you through the next steps. Our UK-based team is here to support you throughout the claims process.

FP1012-2025. Exp. 30/07/2026