Specialist insurance from a leading independent broker
We use our knowledge and experience with static caravans to source policies that fit the needs and requirements of our customers. Our expert team are here to help you and will be happy to advise you on the most suitable policy.
Our policy includes public liability, friends and family use, accidental damage and hire and reward cover as standard.
Cover is available for caravans valued up to £150,000.
“…The cost of the policy was half the price quoted by the site insurers and with a greatly lower excess.”
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“1st class service everything explained in simple terms would recommend to friends. Got the cover I required at a very competitive price”
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- Liability to the public. Indemnity is covered in respect of injury to third parties, up to £5,000,000
- New for old cover for caravans up to and including 20 years of age
- Accidental damage, fire, theft, vandalism, storm and flood cover
- Friends and family use included
- Loss of use and hiring charges cover up to £10,000 including the cost for alternative accommodation or the hire of another static caravan and up to one year’s ground rent or contractual site fees
- Cover for contents of sheds, outbuildings or locked storage containers up to £300 (£100 single article limit)
- Loss or theft of keys and replacement locks up to £350
- The caravan can be used for hire and reward
- Debris removal, delivery and re-siting should your caravan become damaged
- Cover for decking, skirting, steps and balconies
- Contents and personal effects cover, with a single article limit of £500
- Theft or accidental damage to outside furniture whilst the caravan is in use
Please note: Cover is only available in the UK.
As with any insurance policy there are a number of exclusions that apply, including:
- Mechanical or electrical breakdown or failure
- Depreciation, deterioration, manufacturing defects, wear and tear
- Loss, damage, costs or expenses caused by moth, mildew, fungus, climatic or atmospheric conditions, frost, wet or dry rot or any other gradually operating cause
- Any claim when the static caravan is being used for a purpose other than social, domestic or pleasure
For full terms please refer to your policy document.
All of our static caravan policies impose winter conditions and this is from the 1st November through to 15th March inclusive.
Cover for escape of water or oil from a fixed system but excluding damage occurring during the period 1st November to 15th March, whilst the static caravan is unoccupied (both days inclusive) unless either; 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 OR the central heating system is left to operate at a minimum temperature of 15C.
Cover for water freezing within domestic systems but excluding damage occurring during the period 1st November to 15th March, whilst the static caravan is unoccupied (both days inclusive) unless either; 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 OR the central heating system is left to operate at a minimum temperature of 15C.
If you live in your static caravan, you will require a slightly different insurance and one that gives you additional cover for things such as personal possessions.
For more information, please visit our residential static caravan page or call us on 01480 504312.
Our static policy allows you to cover 2 or more statics under one roof, but with the flexibility of insuring them separately allowing you to renew, cancel or change your caravans quickly and easily.
Multiple sites catered for if necessary.
Please call us on 01480 504312 for more details.
Key protection cover is an optional extra that can be added on to your insurance.
Some of the main benefits include:
- 24/7 emergency helpline
- Covers all the keys on the same keyring (car, home, static caravan etc.)
- No excess to pay
- Doesn’t count against your main insurance policy
For full details about the cover, please visit our key protection page.
Sample documents for our static caravan policy can be downloaded here.
PLEASE NOTE: We use a number of insurers to quote for various risks and depending on the individual risk, cover may vary. The sample policy wordings shown are only an indication of cover that may be available. To receive a copy of the exact policy wording applicable to your individual risk, please contact us on 01480 504312.
We have a library full of articles and practical advice that we have written for our customers on a variety of topics including static caravans.
The static caravan advice library can be accessed here.
There are a number of terms used in your policy that may be unfamiliar, or you may want a greater explanation of some of the details. Please click here to read more.
What is a floatation device?
Floatation devices are designed to keep your static caravan afloat and unharmed, above any floodwaters. They are securely attached to your static caravan, which should enable it to float freely above the ground in the event of flood.
What is new for old cover?
Should your static be damaged beyond economic repair, new for old cover means that we will replace your caravan with the most recent new model (or equivalent). To ensure new for old cover applies, you must insure your static caravan and contents at the value it would cost to replace with new (of equivalent specification), and not its current value.
What is market value cover?
Market value insurance is very similar to new for old cover, but in the event of your static being damaged beyond economic repair, we will pay out to the caravan’s current market value, instead of replacing it with a brand new model. Market value cover is nearly always cheaper than new for old, so is a good option if you are looking to save money on your insurance premium
Is it a legal requirement that I insure my static caravan?
Whilst it is not a legal requirement, many sites will insist on insurance that provides liability cover in the event of a claim. They may need to see proof of this for their records. Some sites will also charge a fee for checking your insurance to ensure it meets individual site requirements.
Can a site charge me for them to look at my insurance documents?
Many sites need proof of insurance proof for their records and sometimes they will charge to check it meets their criteria. The fee applicable varies from site to site so it does pay to check the small print of your agreement first.
What is winterisation?
Many insurers will ask that during the winter months (normally November – March) when you are not there, you turn off the water stop cock and drain all water down – leaving drain cocks open. If you have gas central heating via radiators and plastic piping, this should be filled with antifreeze solution – don’t drain that down! (We would recommend that you check it’s the correct solution strength).
Some sites will sometimes disconnect the cold water feed and/or switch off all services at the end of season anyway.
Can I hire my static caravan out?
This will depend on your site; many do not allow it, some may be happy to act as an agent for you. It is recommended that you check both with your site and your insurers for terms. Many insurers will exclude malicious damage or theft when letting out for hire.
Can I live in my caravan all year round?
To live in a static on a 12 month basis, your site will need to be a residential site with you registered on the electoral role and paying council tax at that address. If your site is a holiday site you will normally only be allowed to live there between 9-11 months of the year. You will also need to check with your insurance provider regarding their stipulations for cover in these instances.
If you’d like us to contact you closer to your renewal date, please leave your details below and a Lifesure adviser will be in touch in due course.