Static Caravan Insurance UK

Caravan insurance comparison, Static caravan insurance on private land, Multiple quotes from panel of UK brokers

Static Caravan Insurance Compare Quotes

You can think of static caravan insurance UK as similar to home insurance. It is optional, but having it can provide you with cover for accidental cosmetic damage all the way up to full contents insurance. We are a caravan insurance comparison site that can provide you with multiple quotes from a panel of UK select brokers.

Like the purchase of any product, it is wise to shop around and compare the market for the best deals that are currently available. Comparative websites will help you at this stage. However, do not limit your research to comparison  sites, check online forums and read what fellow campers are saying about brokers and deals that are currently available.

static caravan insurance

What does Caravan Insurance Compare UK cover?

It is important to read the terms and conditions of your cover, but in general caravan insurance will cover damage, loss due to fire, severe weather or crime. If you have opted to include contents cover, then your personal possessions will also be covered. Important, an upper limit most likely exists. This upper limit is the maximum amount that you can claim against your policy.

As you compare insurance policies, you will find the cover offered is in general similar. However, other less obvious factors listed below are also important.

  • Damage repair : Should the need arise to have repairs made, how quickly and who will these be carried out by?
  • Limitations of contents : Check any limitations. For example,  GBP10,000  cover for contents looks good, but what is the limit on individual items, for example jewellery. If it is not adequate you can look at increasing your cover. The same idea applies to any gadgets on board, for example a 12v caravan smart TV.
  • Windscreen : Check that these are covered. If not try and get them included or take out a separate cover from a national windscreen repair specialist.

Static caravan insurance compare new for old

If you insure under a "new for old basis" and your caravan or touring caravan is damaged beyond repair, you will be able to receive a like for like new campervan replacement. This provides you not with a payout, but the brand-new equivalent of your damaged beyond repair caravan. The premium for static caravan insurance new for old will be higher to reflect this new for old component

Check static caravan insurance UK policy details carefully

Within this niche insurance sector, you will find that overall brokers expect that the motorhome to be insured resides in a licensed camping site that provides adequate security with some form of surveillance. In addition, they may stipulate that it is an area that is not prone to flooding.  Further, your insured camper home should be securely anchored, any other additional industry approved security items like GPS tracking whilst not mandatory should help reduce your policy premium.

What is the difference between a touring caravan and a motorhome

A motor caravan or Motorhome is designed for travel and contains a self-contained living section. A touring caravan that is non motorised and contains a self-contained living facility that can be towed by a vehicle.

Motorhome Insurance NI and UK

Popularity of motorhome holidays has been on the increase since travel restrictions were imposed in the wake of the epidemic. If you are an NI resident, the panel can provide you with motorhome insurance NI from a panel of select brokers.   

Are quotes available for both touring caravans and static vans?

Yes. On the Inquiry form you will see an option "Type of Caravan" and you may select either static or touring. We can provide quotes for single and twin axle touring vans, trailer tent,  folding  campers and holiday static caravan pitches. 

Caravan Content Insurance Cover

If your insurance policy include contents insurance, read the fine print, as cover on contents will have an upper limit. Before finalising your policy, it is important to calculate the value of your contents as your content can easily exceed standard upper limits, especially if you have filled your caravan with luxury items and the latest gadgets and gizmos. A silent caravan generator alone can exceed GBP300 and then add in the price of flexible solar panels, a smart caravan TV, a portable caravan washing machine plus the personal items that you take with you on holiday. Add them all up and if they do exceed the upper limit, speak with your brokers on increasing the upper limit. 

How can I lower my caravan insurance premium?

  • The more secure your caravan is seen to be, the more savings you could make on your premium. Fitting security devices like an alarm can act as a deterrent to thieves and could help you make some savings and keep down the cost of the insurance. 
  • You could also increase your excess above the minimum that the insurance company is requesting. Like any insurance, the excess is the amount of money you pay towards the cost of any claim.
  • You could choose third party only static caravan insurance, obviously you will have less cover than a fully comprehensive option.
  • Limit drivers to over 25 and if possible only permit drivers with a good history of no claims. Drivers under 25 are seen as high risk and will raise your monthly static caravan insurance premium

Self Build Campervan Insurance

Campervans are expensive to purchase, and many hobbyists are building or convert a van into a campervan. The DVLA are very strict on requirements to class a self build as a campervan. For example, they insist on a side window, but you may have decided for security reasons that you don't want a side window. The panel of UK brokers can still provide self build campervan insurance UK quotes under such circumstances, just be honest and provide all the necessary details and how it is listed on the log book.

Be honest with Campervan or Caravan Valuations and establish an agreed value

If you value your motorhome or caravan at the below market value simply to get a lower insurance premium or avoid fitted perquisite security devices, you could end up thousands of pounds out of pocket. This is particularly true in the case of a new for old policy. It is important to establish able an agree value for self build and classic camper vans. This can be achieved by sending all requested information including photos to the broker. Having an agreed value upfront will make any claim process easy as the value has already been agreed by both parties.

Caravan Hire Insurance

If you are looking at renting a motorhome in the UK, Europe or worldwide you will be faced with a heavy excess amount on the rental. Similar to car hire, motorhome excess can be reduced or waived completely by taking out motorhome excess insurance in advance of your holiday. 

Static Caravan Frequently Asked Questions

How does New for old caravan insurance work?

In general, most brokers will provide new for old, restriction on age will normally apply to campers over 10 years in general being excluded from the new for old cover. If your caravan is over 10 years old most brokers will compensate based on the current market value of your holiday home.

If you feel that the market value does not reflect the cost to replace if for example you have made extensive improvements to the base model or it is in top condition, please raise this with your broker as individual arrangements can normally be arrived at.

As this is an important aspect of static caravan insurance check the policy details on this subject before making your final decision.

Can I insure my static caravan for holiday rentals?

If you intend to let out your caravan you will need to inform your broker as you will need additional insurance termed “hire for reward”. Letting out a holiday caravan for reward is common practice. As such you will find that all brokers offer additional cover in addition to your personal standard static caravan insurance.

Can I let my family and friends use my caravan?

Most private caravan owners provide occasional use to family members, close friends or relatives. If you fall into this category you will find that most policy providers will still offer cover under these circumstances, but only if you are not charging rent or receiving money in kind.

What typically is not included in static caravan insurance?

Each policy is different, but in general the following will not be covered:

  • Theft or damage as a result of basic security, for example, leaving a door or window open.
  • Wear and tear, like in most policies you cannot claim for damage caused by wear and tear of ageing
  • Damage caused by infestation that includes vermin and insects.
  • If lack of basic maintenance leads to damage , your broker may well refuse to pay out. Examples would include rust, damp or wood rot
  • You fail to secure your vehicle, similar to leaving the keys in the ignition.

Do I need Contents Insurance for my Static Caravan?

Contents insurance is not a requirement, but it should be considered especially if the contents are valuable.

Do I need to pay council tax on a static caravan?

If the static caravan is your holiday home and not main residence, then no you do not need to pay council tax.

Is static caravan insurance available for all makes and models?

Cover is provided for all manufactures including Advent, Bluebird, Belmont, Country Homes, Eden timber Frame, Fleetwood, Galaxy, Swift and Stellar to name a few. Cover for contents is an option, having a fire alarm fitted will reduce your annual or monthly premiums.

Caravan insurance Reviews

Finding the best insurance for your caravan usually begins by comparing the available options on the market. Make a list of your requirements and compare like for like. To get started, with caravan insurance comparison, select the green button below.

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