Leisure insurance
Atlas Caravan Insurance
cover for an Atlas holiday home on its pitch, insured separately from the park itself
Cover for an Atlas holiday home standing on a park pitch. It insures the unit, its contents and your liability as owner, and it sits alongside rather than inside the park operator’s own policy.
- Holiday homes, not tourers
- Separate from the park policy
- Weather is the main claim
- FCA authorised and regulated
Quick answerAtlas builds holiday homes rather than touring caravans, so an Atlas is insured as a sited unit. That means the park’s own policy is not yours, weather is the dominant claim and the pitch matters more than the badge. Value it at what replacing and re-siting it would cost. Tell us the unit and the park, and specialist UK brokers can come back with quotes.
Comparing sited cover generally? Our static caravan insurance page sets out how it works.
At a glance
Six Things About Owning a Atlas
Six things Atlas owners settle before the season starts.
- Atlas builds holiday homes
- So this is sited cover, not tourer cover
- The park drives the price
- Exposure counts more than the model
- Replacement includes re-siting
- Craneage and transport are real money
- Drain it down for winter
- Or freezing damage is excluded
- Declare the decking
- External structures are usually added
- Liability is often a park condition
- Check your pitch agreement
The basics
What Standing Still Does to a Atlas Policy
An Atlas does not move once it is sited, so the questions are about the pitch, the weather it will take and what stands around the unit rather than about towing or storage.
The unit
Make, model, year and size.
Replacement cost
Including delivery and siting.
The park
Where it is and how exposed the pitch is.
Winter arrangements
Whether the system is drained down.
How it is used
Own use, family or letting.
What stands outside
Decking, steps and sheds.
How it works
Putting Atlas Cover Together
The process is short. What matters is describing the storage accurately, because it does more to a caravan premium than anything else on the form.
Identify the van
Make, model, year and CRiS number.
Say where it is kept
Home, a storage site or a pitch.
Describe how it is used
Own use, family use, occasional letting or a closed winter season.
Weigh the quotes up
Price against the replacement basis.
What it covers
What Answers For a Damaged Atlas
Cover for the unit itself, what is inside it and your liability as its owner, with weather doing more damage than anything else on a park.
| Section | Where it sits | What to know |
|---|---|---|
| The unit itself | Comprehensive | Repair or replacement after an insured event |
| Weather damage | Included | Wind uplift, flood, snow load |
| Belongings inside | Sub-limited | Declare anything of real value |
| Verandas and outbuildings | By arrangement | Not automatic on a pitch |
| Liability as an owner | Included | Guests, contractors and passers-by |
| Alternative accommodation | Optional | If the unit is uninhabitable |
| Removal and re-siting costs | Worth checking | Cranes and transport are costly |
Re-siting is the cost people forget. Replacing a holiday home is not just the unit: it has to be transported, craned onto the pitch and connected, and the sum insured should carry all of that.
What it leaves out
Where a Atlas Policy Draws the Line
Every policy has edges, and on an Atlas holiday home they fall in fairly predictable places. Damp is the one that surprises people.
Ingress and consequent damp
Sealant and seams are yours to maintain.
Mechanical and structural deterioration
A policy is not a maintenance contract.
Losses where the locks were not fitted
Declared security becomes a condition.
Belongings in an awning overnight
Rarely covered, and worth knowing.
Renting the van out
Unless the policy says otherwise.
Damage while the park is closed and the unit was not drained
Winterisation is a condition, not a suggestion.
The Atlas range
The Atlas Models Parks Take
Atlas units cover the usual span of park accommodation, and the size and specification of yours moves the premium more than the year does.
Single static units
The standard park holiday home.
Larger twin units
Two halves joined on the pitch.
Higher specification models
More to replace after a loss.
Coastal park units
Wind and salt exposure.
Older Atlas units
Where the value question bites.
Family-shared units
Several households using one pitch.
Another park brand? See Willerby caravan insurance.
Who it suits
The Owners Behind a Atlas Pitch
Atlas owners are park owners first and brand owners second, which is worth saying because the cover follows the pitch rather than the badge.
Families with a seasonal base
The usual buyer.
Retired owners on long stays
Most of the open season.
Owners letting through summer
Income, and a declared use.
Coastal park owners
Higher weather exposure.
Buyers of used Atlas units
Value and age questions.
Owners on closed-season parks
Empty for months at a time.
Buying your first park unit? See static caravan insurance.
Own use or letting
A Atlas You Use vs One You Let Out
How you use an Atlas changes the policy more than which Atlas you own, and the difference is worth getting right at the quote.
| Own use | Let out | |
|---|---|---|
| Who is inside it | You and your family | Paying guests |
| Contents risk | Your own belongings | Higher turnover, more wear |
| Liability exposure | People you know | People you have never met |
| What must be declared | Use and park | Use, park and the letting |
Letting it regularly? See holiday home insurance.
Cost
What Shapes the Price of a Atlas
The unit, its age and value, the park, the exposure and the claims record. We do not print average premiums.
Why the pitch outranks the model
Two identical Atlas units on two different parks can be quoted very differently. Flood maps, coastal exposure and how sheltered the pitch is do more to the figure than the year or the layout.
Why the sum insured is asked about carefully
A holiday home has to be transported and craned into place, so replacing one costs more than buying one. An underwriter would rather establish that figure at the quote than argue about it later.
What the quote is rated on
The main factors
- The unitMake, model, age and sizeBase
- ValueReplacement cost, not purchase priceRate
- The parkLocation, flood and coastal exposureRate
- UseOwn use, family use or lettingRate
- Claims recordRecent yearsAdjust
Know the park’s exposure
Coast and river both count.
Drain it down for winter
Freezing claims are excluded otherwise.
Value it for replacement
Including siting and delivery.
The conditions
Four Obligations Attached to a Atlas
These are the practical terms behind an Atlas holiday home. Easy to meet and easy to forget, which is exactly why they are worth listing.
Use the locks every time
Including on a driveway between trips.
Keep the registration details up to date
Ownership records matter after a theft.
Tell the insurer if storage changes
Site grade is a rated field.
Drain the system down for winter
Freezing damage is excluded where it was not.
Quote checklist
Gather This Before Pricing the Atlas
A broker will ask for all of this. Gathering it first turns several calls into one.
The replacement figure
Not what you paid for it.
Van details
Make, model, year and whether it is a single or twin unit.
Storage arrangement
The park, the pitch and how exposed it is.
Locks and devices
And whether they are fitted already.
Where it travels
Sites, rallies or the Continent.
Claims history
Five years is usually asked for.
Comparing
Reading Two Atlas Quotes Properly
Price is the easy part to compare. What follows is the rest of it, and it matters more.
The limits
- Sum insured on the van itself
- Contents limit and any single-item cap
- Awning and annexe cover
The conditions
- Security devices required
- Storage site grade accepted
- Winter and drain-down requirements
On this van specifically
- Decking and steps included
- Re-siting and craneage costs
- Loss of use or alternative accommodation
Ask what the park’s own policy actually covers. It is the question owners forget to ask the park. Unfamiliar terms are explained in our plain English jargon guide.
Cutting costs
Keeping a Atlas Affordable to Own
The levers are winterisation, an accurate value, declared structures and a clean record. We publish no savings figures.
Winterise it properly
The condition is checked.
Set the value accurately
Neither short nor wildly over.
Declare the decking
Or it may not be paid for.
Keep a clean record
Claims history counts here too.
Review the contents limit
It drifts out of date.
Compare every renewal
Park cover is not your only option.
Glossary
Atlas Terms, Made Clear
The words that come up when a Atlas static stands on somebody else’s land.
- Pitch agreement
- The contract for the plot, renewed with the park each season.
- Re-siting costs
- Transport and craneage after a loss, which can be substantial.
- The park’s insurance
- Covers the park, not your unit or your belongings.
- Veranda and steps
- Structures outside the unit, usually added rather than assumed.
- Drain down
- Emptying the system for winter, commonly a policy condition.
- Lodge
- A larger, more permanent holiday home, often timber clad.
- Flood exposure
- Riverside and coastal parks are rated on it.
- Freezing damage
- A winter loss, excluded where the unit was not drained.
- Alternative accommodation
- Somewhere to stay while the unit is repaired.
- Owner liability
- Your responsibility to guests and contractors.
Why MyMoneyComparison.com
Why Atlas Owners Compare Through MyMoneyComparison.com
MyMoneyComparison.com is an FCA-authorised UK comparison service that introduces caravan owners to specialist brokers. We do not sell insurance and we do not give advice: the broker you choose arranges the policy. Using us is free.
One form, one caravan
Describe the caravan once, instead of repeating yourself to each broker.
Advice given
We are an introducer, not a broker. We do not sell policies and we do not recommend one insurer or product over another. Read our editorial policy.
Authorised and regulated
MyMoneyComparison.com Ltd appears on the FCA register under FRN 916241.
Incorporated
A UK company since 2013. FCA authorisation is separate and later; the register carries its date.
FAQs
Atlas Caravan Insurance FAQs
Answers on the park’s own policy, storm damage, contents, decking and letting the unit out.
Is an Atlas a touring caravan?
No. Atlas builds holiday homes designed to stand on a park pitch rather than be towed, so an Atlas needs static caravan cover rather than a touring policy. The two are quite different products.
Does the park insure my Atlas?
Not your unit. The park operator insures the park itself and their own liability. Your holiday home, your belongings and your liability as its owner remain yours to arrange, and many parks require evidence that you have.
What sum insured should an Atlas carry?
Enough to replace the unit and put it back on the pitch. Transport, craneage and reconnection are substantial and they are the part owners most often leave out of the figure.
Is storm damage the main claim?
On sited units, yes, followed by escape of water in the closed season. A holiday home takes the full weather all year and stands empty for a good part of it.
Do I need to winterise it?
Almost certainly. Draining the water system before the closed season is a standard condition, and freezing damage in a unit that was not drained is routinely declined.
Is my decking insured?
Only where it has been declared. Decking, steps, skirting and any shed are structures outside the unit, and they are commonly added rather than included by default.
Can I let the Atlas out?
Yes, with the insurer told. Letting changes who is inside the unit and raises both the contents and the liability exposure, so it has to be on the policy rather than assumed.
Does the age of an Atlas matter?
It affects how a total loss is settled and occasionally which insurers will quote, but older units are routinely covered. Condition and the park matter more than the year.
Will the towing car’s policy do for an Atlas static caravan?
No. It extends third-party liability while towing and nothing more. The caravan itself, its contents and everything that happens when it is unhitched sit outside it entirely.
What settlement basis should I look for?
New for old while the van is within the age limit, then agreed value if it is older or unusual. Market value is the weakest of the three and worth identifying before you buy rather than after a total loss.
Do I need a tracker?
Not usually required, but frequently rewarded. Trackers improve the odds of recovering a stolen van, and insurers price that in, particularly on higher-value or twin-axle vans.
Does a caravan need its own no claims bonus?
Many insurers run one, built up separately from the car. It is worth asking how yours is earned and whether it can be protected, because a single claim can undo several years.
What locks will I be asked to fit?
A hitchlock and a wheelclamp are the usual minimum, and they have to be used rather than owned. Insurers check after a theft, and a van taken with the clamp in the locker is a difficult conversation.
Is a driveway acceptable to insurers?
Generally yes, and it is what a good many owners do. A gated or graded storage site usually rates better, so if you have the choice it is worth pricing both.
Does a caravan need an MOT?
Touring caravans are not tested, but servicing still matters. A serviced van with a damp check behind it is easier to insure and easier to claim on than one with no history.
Can anyone tow it?
Subject to the policy terms and their licence entitlement. What a driver may tow depends on when they passed their test and the combined weight, so check before handing over the keys.
Ready when you are
Send the Atlas Details to Brokers
Tell us about the Atlas static and the park. Specialist UK brokers can then come back with quotes. Free to use, with no obligation to buy.
- Statics, lodges and twin units on UK parks
- Free to use, no obligation
- FCA authorised and regulated
Free to use · No obligation · UK brokers
About this page
This page explains UK Atlas caravan insurance: cover for an Atlas holiday home sited on a park, what the park operator’s policy leaves to you, and where the money goes after a storm. It is general information rather than advice. Policies differ between insurers, so read your own documents and put the questions raised here to your insurer or broker.
How we approached this page
- Published UK caravan and holiday home policy summaries
- Pitch agreements, storm and flood exposure and park requirements
- Financial Ombudsman material on motor insurance complaints
Legal & Regulatory Information:
The MyMoneyComparison.com website is owned and operated by MyMoneyComparison.com Ltd, which does not provide financial advice and does not sell insurance policies. MyMoneyComparison.com Ltd is authorised and regulated by the Financial Conduct Authority (FCA) for insurance mediation and credit broking activity under FCA registration number 916241.
MyMoneyComparison.com Ltd is a data controller under the Data Protection Act 2018, registered on the Data Protection Register under registration number ZA460665.
Registered Office: Jubilee House, 55 Church St, Morley, Leeds LS27 9JQ, United Kingdom.
© 2013-2026 MyMoneyComparison.com Ltd. All rights reserved.