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Key features of Lifesure’s static caravan insurance

Accidental damage to contents with our static caravan insurance

Accidental damage to contents

Cover for renting out your static caravan with our static caravan insurance

Cover for renting out your static caravan

Underwritten by leading insurer AXA

Underwritten by a leading UK insurer

Our static caravan insurance covers for risks when unoccupied

Protects against winter risks when unoccupied (1)

New for old cover up to 19 years with our static caravan insurance

New-for-old cover, up to 19 years old (2)

NEW Optional legal expenses with our static caravan insurance

NEW Optional legal expenses

Why Lifesure static caravan insurance?

If there’s one thing we know, it’s the pleasure of retreating to your holiday home for some R&R. We’ve heard the positives from thousands of customers over the decades, so our Cambridgeshire-based team knows what keeps you going back! Like most fun things in life, though, we’re also very aware of the associated risks and potential issues you may face. It’s that knowledge and experience that has shaped our static caravan policy to suit owners just like you. Whether purchasing over the phone or through our online insurance quote service, you’ll find we offer a collection of handy features to make shopping around for what suits you that little bit easier.

For many of our customers our static caravan insurance ticks the boxes of what they need, from favourable prices to our good old-fashioned customer service. In fact, that’s why we received the Feefo Platinum Trusted Service Award! We’re pretty chuffed with that. Don’t take our word for it though - have a read of our static caravan insurance reviews!

As well as a top-notch team of advisors at the end of the phone, we also offer MyLifesure, an online customer portal that displays your policy details and documents, when and where you need them. You can also send us secure messages. It’s a simple tool that makes a huge difference to our customers.

What does Lifesure’s static caravan insurance cover?

Just see for yourself how we could protect your home-from-home with our handy summary below. Remember that no policy protects you against every scenario and it’s best to also read our policy documents to understand the conditions and exclusions that apply.

What’s covered

  • New-for-old cover if your caravan is up to 20 years of age
  • Cover for clothing, luggage and general household goods (up to £500 for any single item)
  • Accidental damage to building and contents
  • Cover included for renting your static out to other holidaymakers, or your family and friends
  • Cover for the loss of hiring charges up to £10,000, for bookings made prior to the damage to your caravan
  • Theft or accidental damage to outside furniture whilst the caravan is in use
  • The cost of hiring a similar static caravan for your break if yours is uninhabitable following a claim, up to a limit of £10,000

What’s not covered

  • Damage or vandalism caused deliberately by you, your family or friends
  • Wear and tear, deterioration, corrosion, light damage or anything happening gradually
  • Loss or damage to any money or valuables
  • Mechanical or electrical breakdown or failure
  • Loss or damage caused by any pets
  • Please read our policy documents below to understand the conditions and exclusions that apply

Policy enhancements

  • Leisure home legal expenses3 Up to £50,000 cover for legal expenses incurred for contract disputes relating to letting out your property and with the site, protecting your property, disputes with solicitors, accountants and surveyors, and access to legal and tax advice helplines
  • Key cover Provides cover for the costs to repair or replace keys in the event of damage, theft or loss

Terms and conditions, limitations, exclusions and acceptance criteria applies. Policy enhancements are subject to an additional premium.

1 Insured events against winter risks: Escape of water or oil from a fixed system but excluding damage occurring during the period 1st November to 15th 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; OR ii. the central heating system is left to operate at a minimum temperature of 15°C; OR iii. the water pipes are fitted with an operational trace heating system approved to British Standard BS6351. Water freezing within domestic systems but excluding damage occurring during the period 1st November to 15th March (both days inclusive) whilst the static caravan is unoccupied unless either; a) 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 b) the central heating system is left to operate at a minimum temperature of 15°C.

2 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.

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 AXA Insurance UK plc.

Full static caravan policy information

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Static caravan insurance
PDF 189.65 KB
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Key cover insurance (purchased on/after 01.04.20)
PDF 245.69 KB
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Leisure home legal expenses (purchased on/after 01.04.20)
PDF 492.95 KB
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Key cover insurance (purchased on/before 31.03.20)
PDF 152.97 KB
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Leisure home legal expenses (purchased on/before 31.03.20)
PDF 475.82 KB

Your payment options

We believe in making insurance straight forward and easy for our customers. That’s why we have multiple payment options, so you can choose your preference: instalments, debit card, credit card or cheque.

We advise our customers to prioritise the right level of protection for their static caravan over price. Spreading the cost of your insurance can help make the cost more manageable, which is why we partner with Close Brothers Premium Finance to enable you to pay in regular instalments.

If you decide to pay by premium finance, the set-up process couldn't be easier as we arrange all of this while processing your policy. The credit agreement will be between yourself and Close Brothers Premium Finance and you will make regular instalments by Direct Debit to them to repay the cost of your insurance premium, plus interest and any charges, which we’ll let you know about in advance.

Flexible payment dates, online account management and simple credit agreement renewal make it easy to have the best protection possible.

Ways to pay

Find other insurances

Not just old hats at static caravan insurance, did you know that we offer a whole host of everyday insurances, all under one roof? Our people are multi-skilled too, so they’ll be able to talk about all of your policies in the one go.

From home insurance to breakdown cover, speak to our people to see how we might be able to help you.

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