Static caravan insurance to protect your holiday home

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 HCC International Insurance Company plc & HDI Global Specialty.