Static caravan insurance

Terms and conditions, limitations, exclusions and acceptance criteria apply.  please see the policy documentation for full details. Optional extras are subject to an additional premium.

1. Insured events against winter risks: for policies insured by HCC/HDI, Escape of water or oil from a fixed system but excluding damage occurring during the period 1st November to 31st March (both days inclusive) whilst the static caravan is unoccupied unless: i. the water supply has been turned off at the mains and all systems drained with the exception of sealed central heating systems that have been professionally fitted and contain antifreeze For policies insured by Pen Underwriting, loss or damage during the period 1st November until 31st March unless: i. The water has been switched off at the mains and the entire water system has been drained down; or ii. Where the leisure home has the benefit of agas or oil fired central heating system it is set to operate continuously for 24 hours of each day and the thermostat is set at not less than10 degrees Celsius/50 degrees Fahrenheit.

2. For cover provided by HCC/HDI,If the static caravan is damaged beyond economic repair and provided that: a) the static caravan is less than 20 (twenty) years old at the start of the period of insurance; and b) the sum insured represents the full new replacement cost of the static caravan we will pay the cost of replacing the static caravan with a brand new equivalent on the same park or site and, in addition, up to £10,000 toward the necessary cost of debris removal, delivery and re-siting. For cover provided by Pen Underwriting, If your leisure home is damaged beyond economic repair we will pay the cost of replacing your leisure home with a brand new equivalent provided that: a.The leisure home is no more than 20 years old at the start of the period of insurance b.The sums insured represent the cost of a new leisure home of the same make and model.

3. Leisure home legal expenses and key cover underwritten by ARAG plc, a coverholder of the insurer, ARAG Allgemeine Versicherungs-AG Branch UK. Unless otherwise stated, all other cover is underwritten by HCC International Insurance Company plc & HDI Global Specialty.

*We work with a third party company called Close Brothers Premium Finance Limited (‘CBL’), which manages instalment payments. We act as a credit broker and we are not a lender. If you have opted to pay by monthly direct debit, we will pass your details to CBL and they will make a credit decision about you, which may include a credit check being carried out. Please let us know immediately if you do not consent to us sharing your details with CBL. If CBL agrees to provide you with credit you will receive a welcome pack including a credit agreement from CBL, which you will need to sign and return to CBL. Please note that CBL has its own set of terms, conditions and charges and you should familiarise yourself with these carefully. We may receive a commission for introducing you to CBL. Paying by monthly direct debit via CBL will cost more than paying by one off payment. As part of your premium finance journey, Close Brothers will provide you with a commission disclosure detailing the commission we earn. You will have 12 days to review this information and provide your consent. If you decide not to consent to the commission amount, Close Brothers will be unable to process your loan, and you will need to arrange to pay the balance in full.