Static Caravan Insurance
Affordable Static Caravan Insurance
Purchasing a static caravan is a significant financial investment. While it can provide years of wonderful memories and even an additional income, if anything should go wrong you could be left in a difficult financial situation. UK Sure static caravan insurance provides financial cover for risks such as theft, fire, flooding, vandalism, and liability claims — with cover starting from just £65 + IPT a year.
Our policies cover your caravan up to £200,000 and its contents up to £25,000, either on a new-for-old or market value basis for caravans up to 10 years old. You also get public liability cover up to £5,000,000 and loss-of-use cover up to 20% of the sum insured if your caravan is rendered unusable during an insured event.
Static caravan insurance is available for caravans up to 40 years old on holiday parks, residential sites, or private land. Whether you own a brand-new luxury lodge or an older model, get a quote online or call our team on 01323 416706.
Why Our Static Caravan Insurance
What You're Not Covered For
Key Features of Our Static Caravan Insurance
Your static caravan is more than a holiday home — it is a significant investment worth protecting. UK Sure provides specialist static caravan insurance that covers the structure, contents, and your liability, giving you peace of mind whether you use your caravan for holidays or let it to guests.
Cover From £65 + IPT
Affordable static caravan insurance starting from just £65 + IPT a year, with a 10-month finance option available to spread the cost.
£200,000 Caravan Cover
Cover for the caravan structure up to £200,000 and contents up to £25,000, on a new-for-old or market value basis for caravans up to 10 years old.
UK Sure static caravan insurance is arranged through Stubben Edge and managed by Cedar Underwriting on behalf of The SCOR Syndicate 2015. Policies cover caravans on a new-for-old or market value basis for models up to 10 years old, with cover available for caravans up to 40 years of age. A 10-month finance payment plan is available to spread the cost.
Frequently asked questions
1. Do I need insurance for a static caravan?
There is no legal requirement to insure your static caravan, but insurance provides essential protection for your investment against theft, fire, storm damage, and liability claims. Many caravan parks also require owners to have insurance in place as a condition of keeping a caravan on their site.
2. What does static caravan insurance cover?
A UK Sure static caravan policy covers the caravan structure up to £200,000, contents up to £25,000, and public liability up to £5,000,000. Cover includes fire, storm, flood, freezing, theft, escape of water, malicious damage, and accidental damage to underground services. You also get loss-of-use cover up to 20% of the sum insured if your caravan is rendered unusable.
3. Does static caravan insurance cover storm damage?
Yes. Storm and flood damage are core parts of the policy. This includes damage from high winds, heavy rain, hail, snow, and flooding. Cover also extends to freezing damage and escape of water from fixed heating systems, washing machines, and dishwashers.
4. Can I insure an older static caravan?
Yes. UK Sure covers static caravans up to 40 years old. Caravans 10 years old or under are covered on a new-for-old or market value basis. Older caravans may have different valuation terms — call 01323 416706 to discuss your options.
5. Does caravan insurance cover dampness?
Caravan insurance may cover damp depending on the cause. If dampness results from an insured event such as storm damage or escape of water, it is typically covered. However, gradual damp caused by lack of maintenance or wear and tear is generally excluded. Regular maintenance is the best way to prevent damp-related damage.
6. Can I pay for static caravan insurance monthly?
Yes. UK Sure offers a competitively priced 10-month finance payment plan so you can spread the cost of your static caravan insurance. Get a quote online to see your monthly payment options.
7. Why is static caravan insurance so expensive?
Newer caravans with higher market values and replacement costs tend to cost more to insure. Older caravans may be cheaper but could carry higher premiums if they lack modern safety features. UK Sure static caravan insurance starts from just £65 + IPT a year — get a quote to see your personalised price.
8. What is the 15-year rule for static caravans?
Many UK holiday parks have policies requiring static caravans older than 15 years to be removed from their site. This is a park-specific rule, not a legal requirement. It does not affect your ability to insure the caravan — UK Sure covers caravans up to 40 years old regardless of where they are sited.