Static caravan insurance
Protect your static caravan
Static caravans need effective cover. Our team can help you find competitive insurance for static caravans and mobile homes.Get a quote
Why A-Plan for your Static Caravan Insurance?
Competitive insurance for your static caravan can be difficult to find, and many insurance companies that do offer cover apply special policy terms and conditions.
Owning a static caravan or mobile home involves a considerable outlay and you need to protect it with the right insurance cover.
We have been insuring static caravans and mobile homes through our specially developed insurance panel for many years, and offer a wide choice to static caravan owners at very competitive prices.
Making insurance easy.
- Policies tailored to your needs
- Friendly, helpful and qualified advisors
- Saving you time, money and hassle
Static carvan insurance FAQs
Is my Static Caravan eligible for insurance?
The answer is usually yes if it is sited within the UK on a Holiday Caravan Site, or a Residential Caravan Site, providing you have purchased your caravan within the last six weeks, or have had continuous insurance on your caravan. Some Caravan Insurers can provide cover if your caravan has not been continuously or previously insured by you. This is dependent sometimes on the time of year, adverse known weather conditions and your reason for not previously insuring your caravan. Using an Insurance Broker who will shop around on a panel of insurers and approach Insurers that they have strong relationships with may save you time in these circumstances.
Is it a legal requirement to get Static Caravan insurance?
Unlike car insurance, it’s not a legal requirement to have it. However, it’s recommended if you’re planning on getting a Static Caravan. Getting your insured is important because it saves you time and money when anything unfortunate happens.
Static Caravan Insurance may not cover:
- Wear and tear – damage that naturally occurs over a long period of time is exempt from many insurance policies
- Vermin and insect damage – consider using products to deter vermin such as bed bugs and rats
- Theft or attempted Theft without signs of forced or violent entry.
- Pet Damage
- Flood cover if your property is in an area with high risk of flooding, or a previous history of flooding.
- Escape of Water during unoccupied periods, or winter periods where their draining down or winter requirements have not been met by the policyholder.
- Loss of hiring charges due to anything which is not an insured peril including Covid-19.
- High-value contents – valuables like jewelry and electronics may be excluded from some policies
How much does Static Caravan insurance cost?
Here’s the million-dollar question. The actual answer: it depends. Like most insurance policies, Static Caravan or Leisure Lodge usually varies, depending on:
The value of replacing your caravan or leisure lodge, decking & contents, together with re-siting & clearance costs. These should be looked at as separate costs when you are calculating how much you need to cover yourself to get to a total.
You will need to think about whether you wish your caravan, decking & contents to be replaced on a New for Old basis, or on a Market Value basis. A new for old basis would mean that you need to insure yourself for the cost of an equivalent brand-new caravan, decking & contents plus re-siting & clearance costs. Market Value basis would mean that you insure your caravan, decking & contents for the cost it would be to buy or sell them now as they are in the current condition that they are in, plus de-siting fees that a caravan site would charge you to remove your caravan from your plot in the event of a total loss claim such as fire or flood.
To lower the cost of your premium, you could consider amplifying your security by fitting your mobile home with window locks, burglar alarms or CCTV.
How do I pay for Static Caravan insurance?
Insurers will let you choose from a variety of payment options. Most insurers can let you pay in monthly instalments. However, paying for your policy in monthly instalments over a 12 or 10 – month period may cost you more than paying it in one lump sum. It’s best to check payment options before choosing your policy.
How do I find the best premium for static caravan insurance?
The best way to find your ideal insurance policy is to shop around. Sometimes the site owner will recommend insurance providers to you. Sometimes other caravan owners on your site will also recommend an insurer to you that they have had good experiences with. You may be in an online Facebook group where other caravanners will be happy to share their recommendations about insurance providers. Make sure to compile a list of recommended insurers that offer static caravan insurance before shopping around.
Once you’ve done that, call their offices to discuss their coverage with an insurance agent. Hearing it straight from the horse’s mouth will help you to understand what add-ons they have and what they cover, which can help you make the right decision.
When you are talking to insurance providers to obtain your quotation, it’s good to check their knowledge of the product that you are buying and make sure that any questions you have are answered in a friendly and efficient manner. Can you get through to the same person you have spoken to every time etc. These are all considerations about the quality of the service that your insurer is providing you with, so that you can be confident that you are choosing not only the best priced policy, but also considering service standards and quality of cover at the same time.
However, what you don’t want is to find surprise bills for cover you don’t need! To prevent this from happening, I’d strongly advise that you read through each policy carefully and work out what you need covering before making a quote.
How do I get a quote for my static caravan?
When getting a quote, be honest. Give the provider your personal details and the details of the caravan, decking & contents. The insurer will need to know how long you’ve had the caravan, and whether you rent it out to holidaymakers.
The provider will need to know about the value of the static caravan, decking and the contents inside, as well as any claims. Remember, if you have no claims, your quotes will be cheaper.
Providing information such as whether your caravan is anchored down at all four corners may give you a discount on your price.
How can I claim?
An insurance policy is only as good as the service you get in the event of a claim under the policy. Check with your insurer what their claims process is, so that you understand if you will be dealing with any claims via an App, by phone to a call centre, through a broker who would be able to guide you through the claims process. Decide which way you would want your claim dealt with and then check the internet to look at the companies Trust Pilot rating and reviews from fellow caravanners who have been through that companies claims process and will be honest with their feedback. Sometimes it may be worth paying a couple of pounds more for your insurance, to get great claims service when you need help and support the most.
So, there you have it. Static caravan insurance is ideal for those planning to buy a static caravan, or leisure lodge, or who already own one of these properties. Although it isn’t a legal requirement to get your static caravan or leisure lodge insured, it’s there to protect caravan owners in case any damage or legal issues occur.
Every static caravan insurance policy covers the essentials such as fire, accidental and malicious damage, and theft. It’s vital that you know what your insurance policy covers and what add-ons are available and making sure that the policy and claims service suits your individual needs, before making your purchase.
Talk to us to save yourself time and moneyTry us out and see how we can help save money and make finding the right insurance cover that little bit easier for you.
We also do these...
- Second home insurance
- Home abroad insurance
- Subsidence insurance
- High-value home insurance
- Static caravan insurance
- Non-standard construction insurance
- Thatched property insurance
- Park home insurance
- Home emergency insurance
- Legal cover
- Tenants contents insurance
- Home excess protection
- Unoccupied property insurance
- Flood risk insurance
- Beach Hut Insurance