What is static caravan insurance?
There’s nothing better than heading to your home away from home to escape life’s stresses. But issues like theft, damage, or third-party claims can catch you off-guard if you don’t have cover in place.
Taking out specialist static caravan insurance means you won’t be financially liable if the worst happens, such as someone making a claim against you for injury following an accident in your caravan, or a flood rendering it uninhabitable.
Instead, you’ll have the reassurance that if the worst happens, you won’t miss out on your relaxing getaways for long.
Why should I consider static caravan insurance?
A typical static caravan owner spends just three to four weeks in their holiday home each year.
This means the caravan is left empty and vulnerable to burglary, theft, vandalism, and other criminal activity for the rest of the year—particularly if valuable items are left inside the caravan when it’s not in use.
Aside from malicious damage, static caravans are also more vulnerable to the elements than bricks and mortar homes, due to the alternative materials often used in their construction. Adverse weather, such as storms, floods, or cold winter snaps could potentially devastate your caravan.
Static caravan insurance can give you complete peace of mind whether you’re holidaying in your caravan or at home during the off-season.
Why choose Ripe for static caravan insurance?
Only pay for the cover you need
We believe in keeping insurance simple, so you only ever pay for what you need. You can customise your policy, so you don’t pay for unnecessary cover.
The Ripe guarantee
At Ripe, our ethos is all about making insurance simple. We arrange great cover and exceptional service at our best price.
Cover in an instant
Our quote and cover process is as quick and easy as possible, so you can get covered before your first trip to your static caravan.
What does static caravan insurance cover?
What's covered
- Theft of contents — up to £30k (single item limit of £1k)
- Damage to caravan and contents — accidental and malicious damage, up to £175k
- Underground services — up to £1.5k
- Debris removal — up to £10k
What’s not covered
- Wear and tear
- Loss or damage to property left out in the open
- Mildew damage
- Damage caused by moths, vermin or insects
- Damage caused by atmospheric or climactic conditions, such as condensation
- Damage caused by poor workmanship, design, or the use of faulty or unsuitable materials
What’s optional
- Public Liability — up to £2m
- Hotel and caravan hire — up to two-weeks cover (excluding food and drink), for up to £75 per day
- Rental cover and loss of rent — up to £200 per week and £800 in total
- Personal possessions cover — up to £2k for sports equipment like bikes, surfboards or golf clubs (limit of £250 for bikes, and a maximum of £500 per item for other items)
Please read our insurance booklet for more details on cover.
How much does it cost to insure a static caravan?
The cost of your static caravan insurance policy depends on a few factors, such as:
- the age of your caravan
- the location of your chosen holiday park
- the value of your static caravan and its contents
- security measures in place, such as alarm systems
- your chosen level of cover
- your no claims bonus
You can get a free online quote today to discover the cost of insuring your static caravan through Ripe.
Important documents
If you already have insurance with Ripe, you’ll find your important documents for your policy in your Members area.
Static Caravan Insurance Booklet (PDF 539 KB)
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