Static Caravan insurance, for UK sites only

Insurance Quotes for static caravans

Insurance is available for static caravans  for UK residents. We compare cheap policies to cover your static caravan and its contents. Cover is available with very low excesses (if you make a claim over £100.00 there will be no excess to pay) and from major insurance providers.

For your cheap caravan insurance quote go to our caravan insurance quote webpage or click the button to the left.

Our policies offer cheap rates whatever caravan you own (other than certain twin-axle varieties) because we compare a range of policies. Premiums start from £50.00 with discounts available.

Indemnity or new for old

Cover for your caravan may be on an indemnity or new for old basis. This depends on the age of the caravan. A caravan less than 1.00 year old will always be offered new for old once the age gets older e.g. 1.00 to 5.00 years old (2007 to 2004 in 2009) some will give new for old and some indemnity. For caravans 5.00 years old to 10 years old (2004 - 1999 in 2009) many will only give indemnity cover. Over 10 years old (pre 1999 in 2009) indemnity rather than new for old is almost certain. Insurers also have a maximum age of caravan - probably 20.00 years old i.e pre 1989 in 2009. Our quotation system handles all of these.

Cover for your static caravan with our policies. 

• Cover will include damage from nearly any cause as well as loss or theft,  - the company may impose appropriate security requirements.
• Cover is available for loss or damage to your contents. This policy is indemnity only so we recommend a claim is made under the all-risks section of your home policy as the cover will be better (new for old). 
• Many of our policies also cover Legal Expenses should you suffer loss or damage from someone else's negligence .
• We can extend the policy to offer emergency accommodation costs following substantial damage the company cover. 

Rates and terms

Excesses

• Sine Nomine: has a £100.00 franchise for static caravans (no claims paid below that amount) and £50.00 for touring
• Drewe: (BIBA) has a £75.00 excess for touring caravans and a £100 franchise for static caravans.
• IGI: has a £100.00 claim limit
• Fortis: has a £25.00 excess for camping equipment and £150.00 for caravans

Liability

• Policies have a £2,000,000 limit for liability.

Awning

• The awning may be covered as part of the caravan e.g. up to £2,500 or have to be insured separately. Again over 10 years old the awning may not be covered.

Contents

• We recommend you insure contents with your house as it gives better cover and the excess may be only £50.00 rather than £75.00 or £100 as with caravans. Also the premium usually depends on the contents sum insured, but one company gives 25% of the caravan sum insured as contents automatically. 

• Information on static caravan insurance is available at our static caravan insurance main page for a summary of what is available on the policy.

• As a broker who insures caravans, we look after our clients by offering more than just this. You should consider using  an  insurance broker to cover all your needs, rather than buying directly.

We are unable to offer rates for Hobby, Roma, Lord Munsterland  and Tabbert. We offer premiums for UK, Northern Ireland and Europe.

Thus whatever your needs, we feel certain we can help.

Disclaimer

If you want to take out our policies then you should be aware that you have a duty whenever taking out a policy to make a full disclosure of material facts. Failure to do so could result in you not being protected should the funny underwriters decide that this could have caused them to reconsider their decision to offer you cover in the first place.

We hope you enjoy the use of your caravan - holidays, trips to the seaside, travel to Europe and seeing great sporting events are all made easier if you have your home with you. The cheap costs of an overnight birth at any of the caravan Club sites or independent owners make these trips to historic parts of the UK enjoyable. Even with electric hook-up the overnight costs are very reasonable. Picturesque Europe beckons with up to 183 nights a year able to be covered, travel through the exquisite boulevards of France, speed along the German Autobahns, Drive across the Zuider Zee. The whole of Europe is there for your delights.

But don't forget your security. Caravan theft is on the increase and wicked thieves look at any opportunity of transferring ownership of the caravan from you. Always have a hitch lock and make regular checks if stopping for a meal break. A post in the driveway is an additional asset and could reduce your premium.

Twin Axle Caravans

Please note that many twin axle caravans are unable to be covered under our policies. These include foreign caravans - however some twin axle caravans manufactured in the UK CAN be covered.

 We specialise in buy to let insurance - see our Buy to let home insurance - for further details.

We hope you find our static caravan insurance system helpful to compare rates and, in the UK, get a cheap quote. We also offer cheap quotes for touring caravans and offer excellent service. Please call us on 0191 4772231.