Our specialist caravan insurance will protect both your second home and bank balance and covers a range of eventualities. Read below to find out more.

This brings us to another key reason why you need static caravan insurance – static caravans are particularly vulnerable to the elements. Just imagine how much it could cost to repair your caravan if it was damaged due to a storm, flooding, lightning, or frost?

Then there’s theft to consider. Static caravans are usually left unattended for long periods during the year - in fact, our recent survey found that static caravan owners spend an average of just three to four weeks in their caravan. As such, there’s a risk that your caravan could be broken into or vandalised.

Aside from the threat of theft or damage, insurance might also be a prerequisite of your chosen holiday park, as mentioned above. Some parks insist that you have a certain level of insurance cover and may ask for proof of insurance as a condition of you having a plot there.

All of these examples show why static caravan insurance is essential, not a nice to have. We cover the ins and outs of static caravan insurance in more detail below.

Here’s an overview of what each type of insurance covers.

That’s why, as part of our static caravan insurance, we’ll cover the contents of your static caravan up to £30,000 to prevent you from having to pay to replace your contents if they’re stolen. This cover includes a single item limit of £1,000.

Our extensive cover covers your static caravan worth up to £175,000 and accounts for these worst-case scenarios. This cover safeguards your caravan against loss or damage caused by fire, lightning, storm, flooding, frost, theft, accidental loss or damage, malicious damage, and falling trees.

You can spare yourself the exorbitant repair costs and resulting frustrations by getting our Underground Services cover (up to £1,500) and Debris Removal cover (up to £10,000).

Our static caravan insurance includes up to £2 million Public Liability. This covers the cost of claims and legal expenses if visitors to your caravan are injured, or their belongings get damaged. For example, if someone slips on your decking, badly injures themselves and claims against you.

Hotel and caravan hire

If your static caravan sustains such serious damage that you can’t stay in it, our static caravan insurance includes hotel and caravan hire cover. This cover will compensate you for up to a two-week stay in hotel accommodation (excluding food and drink) for up to £75 a day. Alternatively, it also covers hire costs of a replacement home up to £75 a day for two weeks.

Rental cover and loss of rent

If you rent out your static caravan, you need rental cover whilst it’s in the care of the person renting it in case of damage. Our rental cover will compensate you for up to £200 per week and £800 in total if your static caravan is uninhabitable and you lose rental income due to damage. Click here for more information on renting out your static caravan.

Personal possessions cover

If you keep sports equipment in your static caravan such as bikes, surfboards or golf clubs, we’ll cover these items up to £2,000. There’s a limit of £250 for bikes and a maximum of £500 per item for other items. We also offer additional static caravan insurance options. You can find out more about our cover here.

• 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 climatic conditions such as fogging up and condensation
• Damage caused by poor workmanship, design or the use of faulty or unsuitable materials

For more information about what isn’t covered under the terms of our static caravan insurance, please read our insurance booklet.

• Where your static caravan park is located (as some locations are at greater risk from flooding, theft, and other forms of crime)
• The value of your static caravan and its contents
• The level of cover you select

Provided that your static caravan is only used as a holiday home and is not your permanent address or your main UK residence, we’ll be able to give you a quote.

However, we cannot provide cover if your static caravan is a permanent address that’s occupied all year round.

The strength of our customer service comes from more than 20 years of providing niche insurance knowledge, but we’re far from your typical insurer.

We believe in jargon-free, easy-to-buy insurance that you can get in just a few clicks. Our quote process can be completed in a matter of minutes and you can see exactly what you’re covered for, all explained in plain English.

See for yourself how our static caravan insurance can protect your second home by getting a quote today.