Static Caravan Insurance
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Why Compare Static Caravan Insurance at SimplyQuote.co.uk
Owning a static caravan is all about making memories—but what if something goes wrong? Theft, storms, or accidental damage can turn a dream getaway into a costly headache. That’s where static caravan insurance comes in, protecting your holiday home and giving you peace of mind.
Sorting out insurance can be a hassle, right? With so many policies out there, it’s hard to know where to start. That’s where SimplyQuote.co.uk comes in. We make it easy to compare static caravan insurance quotes from trusted UK insurers—all in one place.
No endless forms, no hunting down deals. Just tell us what you need, and we’ll do the hard work for you. In partnership with Quotezone, we’ll find you the best cover at the right price—quick, simple, and stress-free.
What Do You Need To Get A Quote?
Getting a static caravan insurance quote with SimplyQuote.co.uk is quick and straightforward. To receive accurate quotes from trusted UK insurers, you’ll need to provide the following details:
- Personal Details: Your name, date of birth, and contact information.
- Caravan Details: The make, model, year of manufacture, size, and the value of your caravan.
- Location Details: Where your caravan is sited, including whether it’s on a holiday park, residential site, or private land, and if the site has security measures in place.
- Security Features: Information about alarms, wheel clamps, hitch locks, or tracking devices to assess risk and potential discounts.
- Usage Details: How often you use the caravan, whether it’s for personal use or if it’s rented out (hire use may require additional cover).
- Insurance History: Details of any previous claims, your no-claims discount (if applicable), and information about your current policy if you’re switching insurers.
- Policy Preferences: The level of cover you’re interested in, such as new-for-old or market value, and any optional add-ons you’d like included.
Why Do I Need Static Caravan Insurance?
Static caravan insurance isn’t a legal requirement in the UK—but it’s a smart move. Your caravan is a big investment, and without insurance, you’d have to cover the cost of repairs or replacements yourself if something goes wrong.
Risks like theft, fire, storm damage, or even vandalism can cost thousands of pounds. Plus, if your caravan is on a holiday park, insurance might be a condition of your site agreement.
Static caravan insurance gives you peace of mind, knowing your home away from home is protected, whether you’re there or not.
Public Liability Cover
Most static caravan insurance policies include public liability cover, which protects you if someone is injured or their property is damaged while in or around your caravan. This cover can range up to £5 million, providing peace of mind, especially if you rent out your caravan or have frequent visitors.
What Does Static Caravan Insurance Cover?
Static caravan insurance covers the things that matter most—protecting your holiday home from unexpected risks. While policies vary, most will include:
- Theft: Cover if your caravan or its contents are stolen.
- Accidental Damage: Protection against damage from accidents, like broken windows or dents.
- Fire and Flood Damage: Cover for damage caused by fires, storms, or flooding.
- Vandalism: Protection if your caravan is intentionally damaged.
- Public Liability: Cover if someone gets injured or their property is damaged while in or around your caravan.
Some policies also cover things like frost damage, contents inside your caravan, and even site clearance costs after major incidents. Always check the details to make sure you’ve got the cover that’s right for you.
What’s Not Covered by Static Caravan Insurance Policies?
While static caravan insurance offers great protection, there are some things it won’t cover. Knowing these exclusions helps avoid surprises when you need to make a claim. Common exclusions include:
- Wear and Tear: Damage from general ageing, rust, or gradual deterioration.
- Poor Maintenance: Issues caused by neglect or lack of regular upkeep.
- Damage During Transit: If your caravan is moved and damaged, you’ll need specialist transit cover.
- Pest Infestations: Damage from insects, rodents, or other pests isn’t usually covered. Some policies offer optional vermin cover as an add-on.
- Mechanical or Electrical Failures: Breakdowns of appliances or equipment inside the caravan.
- Deliberate Damage: Any damage caused intentionally by you or someone insured under the policy.
Always read the policy details carefully, as exclusions can vary between insurers. If in doubt, ask questions before you buy.
What Type of Static Caravan Insurance Do I Need?
The type of static caravan insurance you need depends on how you use your caravan and the level of protection you want. Most policies fall into two main categories:
New-for-Old Cover
If your caravan is damaged beyond repair or stolen, it’ll be replaced with a brand-new model of the same make and specification. This cover is ideal for newer caravans but often costs more.
Example: If your 3-year-old caravan is destroyed, you’ll receive a brand-new replacement of the same model.
Market Value Cover
This covers the current value of your caravan at the time of a claim, factoring in depreciation. It’s a more budget-friendly option, especially for older caravans.
Example: If your 10-year-old caravan is written off, you’ll receive a payout based on its current market value.
What Are the Different Levels of Static Caravan Insurance?
There are a few different types of static caravan insurance policies to choose from, depending on your needs:
Comprehensive Cover
Offers the highest level of protection, covering theft, fire, accidental damage, weather-related incidents, and public liability.
Third-Party Cover
Covers damage to other people’s property or injuries caused to others but doesn’t protect your caravan itself.
Contents Cover
Protects personal belongings inside your caravan, which can often be added to your main policy.
Choosing the right policy depends on how often you use your caravan and the level of cover you’re comfortable with.
What Are Some Static Caravan Insurance Add-Ons?
When you’re looking to customise your static caravan insurance, there are several optional add-ons you can include for extra protection:
Contents Cover
Protects personal items inside your caravan, like electronics, furniture, and appliances.
Legal Expenses Cover
Helps with legal costs if you face disputes related to your caravan.
Emergency Accommodation Cover
Covers the cost of alternative accommodation if your caravan becomes uninhabitable.
Loss of Rent Cover
Protects you financially if you rent out your caravan and can’t due to an insured event.
Key Cover
Provides support if your caravan keys are lost or stolen.
Vermin Cover
Offers protection against damage caused by pests, which is typically excluded from standard policies.
These add-ons can enhance your policy, giving you tailored protection based on your needs.
How Much Does Static Caravan Insurance Cost?
The cost of static caravan insurance can vary depending on several factors, including the value of your caravan, its location, how often you use it, and the level of cover you choose.
On average, premiums range from £150 to £300 per year. For a typical static caravan costing around £45,000, the average annual insurance premium in 2020 was approximately £300, with a £160 excess.
Things like security measures, no-claims discounts, and opting for a higher excess can help lower your premium. Always compare quotes to find the best deal.
What Factors Affect the Cost of Static Caravan Insurance?
Several factors influence the cost of your static caravan insurance, including:
- Caravan Value: Higher-value caravans usually cost more to insure.
- Location: Caravans in flood-prone or high-crime areas may have higher premiums.
- Security Features: Installing alarms, wheel clamps, and trackers can reduce costs.
- Usage: Frequent use or renting out your caravan can increase premiums.
- No-Claims History: A clean claims record often leads to discounts.
- Excess: Choosing a higher voluntary excess can lower your premium.
How Can I Reduce the Cost of My Static Caravan Insurance?
Want to save on your static caravan insurance?
Here are some simple ways to lower your premium:
- Improve Security: Install alarms, wheel clamps, or tracking devices to reduce the risk of theft.
- Increase Your Excess: Agreeing to a higher voluntary excess can lower your premium.
- Limit Claims: Maintaining a no-claims record can help you secure discounts.
- Choose a Safe Location: Caravans on secure sites often cost less to insure.
- Compare Quotes: Always shop around to find the best deal.
How to Compare Static Caravan Insurance at SimplyQuote.co.uk
Comparing static caravan insurance quotes is quick and hassle-free with SimplyQuote.co.uk.
Here’s how it works:
Tell Us About Your Caravan: Enter details like the make, model, and location.
- Choose Your Cover: Select the level of protection you need, including any add-ons.
- Compare Quotes: Instantly view quotes from trusted UK insurers, all in one place.
- Pick the Best Deal: Choose the policy that suits your needs and budget.
Simple, fast, and designed to help you find the right cover at the best price.
Frequently Asked Questions
No, it’s not legally required in the UK, but many holiday parks insist on it as part of their site rules.
Some policies include contents cover, but it’s often an optional add-on.
Yes, but you’ll need to inform your insurer as it may require additional cover.
No, static caravans need a separate policy designed for their specific risks.
Some insurers may have restrictions based on the caravan’s age, but options are usually available.
Yes, most comprehensive policies cover weather-related damage, but check the policy details.
Many policies include accidental damage, but some may offer it as an optional extra.
Policies are usually non-transferable. The new owner will need to arrange their own cover.
Written by Chris Richards
Page last reviewed on 4th February 2025 by Chris Richards