Compare Static Caravan Insurance
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What is static caravan insurance?
Static caravan insurance is designed for caravans that remain permanently or seasonally located on a holiday park or private site. Unlike touring caravans, they are not normally towed between destinations.
A policy may cover the caravan itself, its fixtures and fittings, and the belongings kept inside it. Optional or enhanced protection may also be available for features such as decking, verandas and sheds.
If the property is your permanent residence, you may need park home insurance rather than holiday static caravan insurance.
What can static caravan insurance cover?
- Fire, explosion, lightning and smoke
- Storm and flood damage
- Theft, attempted theft and vandalism
- Accidental damage
- Escape of water
- Contents, appliances and personal belongings
- Decking, verandas, sheds and other external structures
- Public liability
- Debris removal and re-siting costs
- Alternative accommodation
- Loss of rental income if the caravan is hired to guests
The cover available, limits and exclusions vary by insurer. Check the policy wording carefully, particularly for flood risks, unoccupied periods and external structures.
Do I need static caravan insurance?
Static caravan insurance is not generally a legal requirement. However, a holiday park may make appropriate insurance a condition of its pitch or site agreement. Check your agreement to see whether a minimum level of cover or public liability protection is required.
Even where insurance is optional, it can protect you from having to meet the full cost of repairing or replacing your caravan following a serious incident.
How much does static caravan insurance cost?
Relevant rating factors include:
- The caravan’s age, make, model and value
- Its location and local flood or storm exposure
- The value of its contents
- On-site security
- How many months of the year it is occupied
- Whether it is let to paying guests
- The cover limits and excess selected
- Previous insurance claims
Static caravan insurance for rental use
If you let your caravan to holidaymakers, standard owner-only cover may not be sufficient. Look for a policy that permits commercial letting and consider protection for accidental damage by guests, public liability, loss of rent and alternative accommodation.
Always tell the insurer how the caravan is used. Undeclared rental use could affect a future claim.
What might not be covered?
- Wear and tear or gradual deterioration
- Rot, mildew, condensation or vermin
- Damage caused by poor maintenance
- Undeclared commercial letting
- High-value items above the policy’s single-item limit
- Damage during prohibited periods of occupancy
- Flood or storm losses excluded because of the site’s location
- External property not specifically included
How to reduce the risk of damage or theft
- Drain down water systems during winter
- Follow the park’s rules for seasonal closure
- Use approved locks, alarms and window security
- Remove valuables when the caravan is unoccupied
- Inspect the roof, seals and pipework regularly
- Make sure the sum insured reflects replacement and re-siting costs
- Compare policies rather than looking only at the premium
Static caravan insurance: frequently asked questions
Is static caravan insurance compulsory?
Static caravan insurance is not a legal requirement in the UK. However, your caravan park may require you to have cover, including a minimum level of public liability insurance, as part of your site agreement. Check the park’s requirements before choosing a policy.
Does it cover decking and verandas?
Decking and verandas can be covered, but this depends on the policy. Tell your insurer about any additions and check whether their value needs to be included in the total amount you insure your caravan for.
Can I insure an older static caravan?
Yes, cover is available for older static caravans, although insurers have different age limits. Depending on your caravan’s age, you may be offered market value cover rather than new-for-old cover. This means a payout would reflect its value at the time of the loss, rather than the cost of a new replacement.
Am I covered when the caravan is unoccupied?
Cover can continue while your static caravan is unoccupied, subject to your policy’s conditions. These may include security measures, restrictions during longer empty periods and winter precautions, such as draining the water system. Check what your insurer requires when you leave the caravan between visits or during site closures.
Can friends and family use my caravan?
Friends and family may be able to use your caravan, but cover varies between insurers. Some policies restrict who can stay without you, while others require additional cover for guests outside your household, even if they are staying for free. Confirm the arrangements with your insurer beforehand.
Can I insure a static caravan that I hire out?
Yes, policies are available for static caravans hired out to paying guests. You must tell your insurer that you intend to let the caravan and arrange suitable letting cover. Check whether accidental damage, malicious damage by guests, public liability and loss of rental income are included, as these benefits vary between policies.
Does static caravan insurance cover flooding?
Flood damage can be included, but you should check that it is covered at your caravan’s location. Sites with a higher flood risk may face additional conditions, higher excesses or exclusions. Review the flood cover and the amount you would need to pay towards a claim before buying.
Is a static caravan the same as a park home?
For insurance purposes, the main distinction is how the property is used. Static caravan policies generally cover holiday use, while residential park home policies are designed for properties used as a main residence. If you live in your caravan permanently, tell your insurer so they can confirm which cover is suitable.
Changes that mean updating your static caravan cover
Some moments in a static’s life mean the details on your policy need to change. Find the one that applies to you and check those points before the change happens.
| What is happening | What to sort out with the insurer |
|---|---|
| You are buying a second-hand static already on the park | Cover from the day it becomes yours, the serial number and proof of what you paid |
| The caravan is moving to a different park | Whether the move itself is covered, and new terms for the new park’s address |
| You are swapping it for a newer or larger model | The new make, model, size and sum insured, in place before it is sited |
| You share ownership with family or a friend | Every owner named on the policy, so a claim can be paid to the right people |
| You are adding a hot tub, gas barbecue or log burner | Whether the item is accepted, and any extra safety conditions |
If the caravan is becoming your main home rather than a holiday base, our mobile home insurance page explains the residential options.
Tiger.co.uk sends your static details to 8 or more providers through one short form. You can then see which insurers accept your park, your caravan’s age and how you use it.
Checking flood risk before you insure a holiday static
Check the park’s area with the GOV.UK long term flood risk service. For England, it shows the long term risk from rivers, the sea, surface water, reservoirs and groundwater where data exists.
The service does not say how likely one property is to flood, but it gives a fair picture of the area. The same page links to flood checkers for Scotland, Wales and Northern Ireland.
If the park sits in a higher risk area, insurers may set extra conditions or a higher flood excess. Knowing the risk first helps you read those terms.
Your checklist before you get a static caravan quote
- Park name, address and pitch number
- Make, model, year, length and width of the caravan
- The price you paid, and the cost to replace, deliver and site a similar model
- Values for decking, veranda, steps and any shed
- The total value of contents, plus any single item worth more than the policy limit
- Months the park is open each year and how often you visit
- Whether you let it, and through whom
- Security fitted, such as door locks, window locks and an alarm
- Any recent claims on caravan or home cover
Pros and cons of new for old cover on a static
| Pros | Cons |
|---|---|
| A total loss pays for a comparable new caravan | Usually only offered up to a set caravan age |
| Helps with replacement and re-siting costs | Needs an accurate sum insured to pay in full |
| Suits a newer caravan you plan to keep | Can cost more than market value cover |
More static caravan questions: paying, buying and selling
These questions add to the ones above and cover paying for a policy, buying through the park and what happens when you sell.
Can I compare static caravan insurance quotes online?
Yes. One short form with your caravan, park and usage details brings back quotes from several providers. Check the cover limits as well as the price before you choose.
Can I pay for my static caravan cover monthly?
Some insurers let you spread the cost over monthly instalments, while others ask for one annual payment. Paying monthly can cost more overall if interest or a charge is added, so compare the total with the annual price.
Will my home insurance cover my static caravan?
A home policy is written for your main house, so it may not extend to a static on a holiday park. Ask your home insurer, but expect to need a separate policy for the caravan.
Do I still need cover if I bought the caravan from the park?
Insurance is not a legal requirement, but your park agreement may ask you to hold it. Buying from the park does not change the risk to the caravan. If the park offers its own scheme, check whether your agreement names a provider before you compare others.
What happens to my cover if I sell my static caravan?
Keep the policy running until the sale completes and the caravan is handed over, then tell your insurer. Cancellation terms and any refund for the unused months vary between insurers, so check your policy documents.
Ready to look? Compare static caravan quotes with Tiger.co.uk in one short form. Thinking about letting the caravan? Holiday home insurance explains cover for letting a property, and home insurance covers your main house.
Fact-checked by Ian Wilson, Managing Director at Tiger.co.uk. 20+ years in price comparison; MEng, Queen’s University Belfast.