Leisure insurance
Static Caravan Insurance
cover for a holiday caravan sited on a park, where the weather does most of the damage
Cover for a holiday caravan sited on a park. It insures the unit, its contents and your liability as owner, with storm, flood and escape of water the dominant claims, and it is separate from the park operator’s own policy.
- Sited on a pitch, not towed
- Weather is the main claim
- Separate from the park policy
- FCA authorised and regulated
Quick answerA static caravan is not towed and is not insured like a tourer. It stands on a pitch for years at a time, which makes it far more like a small holiday building: storm, flood and burst pipes account for most claims, and the park’s own policy covers the park rather than your unit. Tell us the unit and the park, and specialist UK brokers can come back with quotes.
Towing it rather than siting it? Our caravan insurance page covers touring vans.
At a glance
Static Caravan Holiday Homes: Six Starting Points
Six things that decide what a sited holiday caravan costs to insure.
- The park does most of the rating
- Coastal and riverside pitches especially
- Winterisation is a condition
- Freezing damage is excluded without it
- Value it at replacement cost
- Delivery and siting are part of that
- Decking is rarely automatic
- Declare it or it may not be paid for
- Liability matters on a park
- Guests, visitors and contractors
- Letting changes everything
- Rental use has to be declared
The basics
Why a Static Caravan Is Insured Like a Small Building
Nothing about a sited unit moves, which is exactly the point. The exposures are weather, water and the people who come and go, and the pitch it stands on decides most of them.
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
From the Details to a Static Caravan Price
Getting a sited static caravan quoted takes a few minutes. The questions are about the van, the storage and the use, and honest answers to all three produce a price that holds.
Tell us the make and model
Year, berth and layout.
Give a value
What it would cost to replace.
Describe how it is used
Own use, family use, occasional letting or a closed winter season.
Compare what comes back
Cover basis, limits and excesses.
What it covers
The Sections Behind a Sited Static Caravan
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 |
|---|---|---|
| Damage to the unit | The core section | Impact, fire and weather damage to a sited static caravan |
| Storm and flood | The main exposure | Coastal and riverside parks especially |
| Contents and furnishings | A separate limit | Soft furnishings, white goods, electronics |
| Decking and steps | Often added | They are rarely covered by default |
| Public liability | Included | Injury to a visitor at the unit |
| Loss of use | Sometimes offered | While the unit cannot be occupied |
| Debris removal | Usually included | Clearing after a total loss |
Ask what the park actually insures. A park operator holds cover for the park: the roads, the buildings, their own liability. Your unit, your belongings and your liability as its owner are a separate arrangement.
What it leaves out
What a Static Caravan Policy Will Not Meet
A caravan policy is written around sudden, unexpected damage. These are the points where a sited static caravan falls outside it, and they are worth reading before a claim rather than during one.
Damp and water ingress
Gradual ingress is a maintenance matter, not an insured event.
Wear, tear and deterioration
Age, sun and use are not perils.
Theft without the security you declared
The hitchlock and clamp conditions are tested.
Anything left in an unattended awning
Awnings are not a locked space.
Use for letting or hire
Commercial use needs its own arrangement.
Damage while the park is closed and the unit was not drained
Winterisation is a condition, not a suggestion.
Units on parks
The Static Caravan Units Standing on UK Parks
Parks take several kinds of unit, and the size and permanence of yours changes the price more than the badge on it does.
Single static caravans
The standard holiday unit.
Twin units
Delivered in halves and joined on site.
Holiday lodges
Larger, often timber clad.
Coastal park units
Wind and salt exposure.
Family-shared units
Used by several households.
Let and sub-let units
Income, and a different risk.
Living in it year round? See park home insurance.
Who it suits
Who Owns a Static Caravan on a Park
Static ownership suits people who want the same place every time, and the group runs from weekend families to owners letting a unit through the season.
Families with a seasonal base
The commonest reason to buy.
Retired owners
Long stays through the open season.
Owners letting the unit
Income through the summer.
Coastal and lakeside owners
Higher weather exposure.
Owners of older units
Where replacement is the question.
First-time buyers on a park
Working out what the park covers.
Comparing with a holiday cottage? See holiday home insurance.
Park cover or your own
The Park Policy vs Your Own Static Caravan Cover
This is the comparison every new owner has to make, and getting it wrong is how a unit ends up uninsured in the middle of a storm.
| Park policy | Your cover | |
|---|---|---|
| What it insures | The park and its buildings | Your unit and contents |
| Who buys it | The park operator | You |
| After storm damage | Their property only | Your unit |
| Your liability to guests | Not covered | Covered |
Touring rather than sited? See caravan insurance.
Cost
What Prices a Sited Static Caravan
The unit, its age and value, the park, the exposure and the claims record. We do not print average premiums.
Why the park matters more than the unit
Weather is the dominant claim on a static, and weather is geography. A pitch on an exposed coast or beside a river is a different proposition from one inland and sheltered, and the postcode carries most of that.
Why winterisation is asked about
Units stand empty through a closed season, and a burst pipe in an empty caravan can run for weeks. Draining the system down is a standard condition rather than a suggestion.
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 Conditions on a Static Caravan Pitch
Every caravan policy carries conditions, and on a sited static caravan these are the ones that actually get tested. None is onerous; all are checked after a claim.
Fit and use the security you declared
A hitchlock and wheelclamp are conditions, not suggestions.
Keep the CRiS registration current
It is how a recovered van is identified as yours.
Store it where you said you would
A change of site is a change of risk.
Drain the system down for winter
Freezing damage is excluded where it was not.
Quote checklist
What a Broker Needs About the Static Caravan
Have these ready and quoting a sited static caravan takes minutes rather than a morning.
Make, model and year
Make, model, year and whether it is a single or twin unit.
Value or replacement cost
What it would cost to replace today.
Where it is kept
The park, the pitch and how exposed it is.
Security fitted
Hitchlock, wheelclamp, alarm, tracker.
Who uses it
Owners, family and anybody towing.
Where you take it
UK only, or Europe as well.
Comparing
Two Static Caravan Quotes, Section by Section
Two quotes for a sited static caravan can look alike and behave very differently. These are the points that separate them.
How it would be settled
- New for old, agreed value or market value
- Where the age cut-off for new for old falls
- The excess on the main sections
What else is included
- The contents and personal effects limit
- Whether an awning is covered
- European use and any day limit
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
Reducing the Cost of a Static Caravan
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
Static Caravan Park Terms, Made Plain
The words that come up when a static caravan stands on somebody else’s land.
- Pitch licence
- The agreement between you and the park for the plot the unit stands on.
- Siting and re-siting
- Moving a unit on or off a pitch, which needs cranes and transport.
- Park policy
- The park owner’s own cover, which insures their property rather than yours.
- Decking and skirting
- The structures around the unit, rarely covered by default.
- Winterisation
- Draining down the water system before the closed season.
- Twin unit
- A holiday home delivered in two halves and joined on the pitch.
- Storm damage
- Wind and rain damage, the dominant claim on a sited unit.
- Escape of water
- Damage from a burst or leaking pipe inside the unit.
- Loss of use
- Cover while the unit cannot be occupied after a claim.
- Public liability
- Injury to a visitor at your unit, and often a park requirement.
Why MyMoneyComparison.com
Why Static Caravan 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
Static Caravan Insurance FAQs
Answers on the park’s own policy, storm damage, contents, decking and letting the unit out.
Is a static caravan insured by the park?
The park insures the park. Roads, buildings, shared facilities and the operator’s own liability sit under their policy. Your unit, everything inside it and your liability as its owner are yours to arrange.
What is the most common claim?
Storm damage by a wide margin, followed by escape of water in winter. A sited unit takes the full weather year after year, and it is standing empty for much of it.
Do I have to drain it down for winter?
Under the terms of a good many policies, yes, and it is written in rather than advised. A burst pipe in a unit that was not drained is the classic declined claim on a park.
Is the decking covered?
Often only if you ask for it. Decking, steps, skirting and sheds are structures outside the unit, and they are frequently treated as add-ons rather than part of the main sum insured.
Can I let it out?
Yes, but declare it. Letting brings different people onto the pitch and changes both the liability position and the contents risk, and an undeclared letting arrangement is a straightforward route to a refused claim.
How should I value the unit?
On what it would cost to replace with an equivalent, including delivery and siting. Craning a unit onto a pitch is a real cost and it is easy to leave out of the figure.
Does the age of the unit matter?
It affects the settlement basis and sometimes the choice of insurer, but older statics are routinely covered. What matters more is the park, the exposure and the condition of the unit.
Do I need public liability?
A great many parks require it as a condition of the pitch agreement. It responds if a visitor is injured at your unit, which is a live possibility on steps, decking and gas installations.
Does my car insurance cover a static caravan on a park?
Only for third-party liability while the caravan is hitched up and moving. Damage to the caravan itself, theft of it and anything that happens while it stands on a pitch or in storage all need a caravan policy of their own.
Is new for old worth having?
While the van is young enough to qualify, yes. It replaces a written-off caravan with an equivalent new one rather than paying what a used example was worth, and the gap between those two figures is usually considerable.
Why does storage matter so much?
Because a caravan spends most of the year standing still. Where it stands, and what stands around it, is the single biggest factor in the price after the value of the van itself.
Is damp covered?
Almost never. Water arriving gradually through seams and seals is treated as maintenance rather than a sudden event, and it is the commonest reason a caravan claim fails.
What security do insurers expect?
A hitchlock and a wheelclamp at the very least, used every time the van is left. On higher-value vans an alarm or a tracker is often asked for too, and whatever you declare becomes a condition of the theft cover.
Can I keep it on the drive?
Many owners do, and it is accepted, though a graded storage site usually prices better. What matters is describing the actual arrangement rather than the one you intend to move to.
Does the age of the van matter?
It does. Age decides whether new for old is available, it affects the parts position, and on older vans an agreed value is often the sensible route. It does not make a van uninsurable.
Who is covered to tow it?
Usually anybody you permit, subject to the terms, but check the age and licence conditions. Towing entitlement on the driving licence depends on when the driver passed, so it is worth confirming.
Ready when you are
Put the Static Caravan to Brokers
Tell us about the static caravan 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 static caravan insurance: cover for a holiday caravan sited on a park, what the park’s own policy does and does not do, and why weather dominates the claims. 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
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