Click Here to Call FREEStatic Caravan Insurance Quote
The Caravanwise UK static caravan policy provides you with all of the benefits of cover that you really need for peace of mind, at our best value price that you can afford. We keep our prices down by being careful which UK holiday caravan parks we provide insurance for. This means that if you are in a sheltered area away from the risk of flood you get our best value caravan insurance premium.
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If you would like a quote for our UK static holiday caravan insurance the first step is to check if your site is on our list of acceptable holiday parks, we do this by asking you to submit the postcode of the site. You will need to make sure that this relates to the site rather than the office address of the owner. There are some sites that we have not checked, if yours is one of these we can still give you an indicative quotation subject to insurance underwriters approval.
Five Star Static Caravan Insurance Cover from a Leading Insurer
The Caravanwise static caravan insurance policy has been written to provide peace of mind and reassurance backed by Highway Insurance Company, a leading UK insurer, part of LV= (Liverpool Victoria General Insurance). Choose our static caravan insurance policy and you can relax and enjoy your static caravan holidays.
Our static caravan policy has been independently assessed by a team of experts who have given it a five star rating. This assessment is based on the completeness of the cover provided including having a tailored legal protection policy bundled with it.
Benefits of our Static Caravan Insurance
- Liability Insurance £2 million as standard with a low cost £5 million option for public liability insurance.
- Static Caravan covered for loss or damage all year round including storm damage, fire, flood, theft and accidental damage.
- Remove, repair, replace and re-site you set the vlue and cover limits so you can be confident that you have the coverage you require.
- Static Caravan contents and personal effects are covered up to the amount you request at the same rate as the caravan.
- External store insured just include the value of your shed or external store and its contents in your sums insured and they are be covered for loss or damage up to £1,000.
- Mains Services are covered - accidental damage to your mains services such as water, electricity or sewerage is covered up to £3,000.
- Alternative Accommodation This provides up to £2,500 of cover for alternative accommodation if your static caravan is made uninhabitable by insured loss or damage.
- Personal Accident Benefit Up to £20,000.
- 20 years New for Old Insurance Available at standard rates you just need to cover your caravan for sufficient to replace it with a new equivalent make and model of caravan if yours were written off as the result of loss or damage.
- Holiday Letting Insurance an be included, just select it when you get a quote.
Static Caravan Legal Solutions included
We bundle a tailored Static Caravans Family Legal Solutions Insurance policy, provided by ARAG, in with your static caravan policy. This provides you with access to legal advice relating to your ownership of an insured static caravan. The insured events are Caravan site disputes, employment disputes such as unfair dismissal or redundancy, disputes over the purchase of goods or services or private sale of goods, a dispute with a neighbour, a claim for injury or death against the person or organisation responsible, an investigation by HMRC into your personal tax affairs, defending a prosecution that arises from a road traffic or work-related offence, identity theft.
Download the Static Caravans Family Legal Expenses Insurance details of cover here - Static Caravan Legal Solutions pdf 750kb document. This provides full details of cover, indemnity limits and how to make a claim.
Contact Caravanwise Today
Our friendly and highly experienced team in Christchurch, Dorset, are available any time during office hours to answer any questions you may have or to provide you with a competitive quotation. Just phone us free on 0800 328 2084.
Our team are trained to establish all of the discounts for you so that we can give you our best value price. Most of our them have been with us for over 10 years and all they do is caravan insurance and motor-home insurance. They quickly understand your needs and will point you in the direction of the best solution for you.
We don't give advice but we do provide detailed and complete information so that you can make your own decision based on a complete understanding of the benefits of the cover we provide and eny exclusions that might apply.
Static Caravan Insurance you can trust
Caravanwise Limited is an insurance intermediary established in 1998. We only arrange insurance for caravans and motorhomes and have developed an excellent reputation for professionalism, customer service and competitive pricing, in this field, over the years. This focus on the leisure and camping industry means that we understand you and the insurance coverage that you need.
This insurance for static caravans policy is underwritten by a major UK insurer. So you have the peace of mind of knowing that your insurance coverage is backed by one of the leading insurers in the field. The policy includes £2 million third party public liability cover, as standard, which is required by most site owners. If your site requires £5 million of liability cover we can arrange that please call us on 0800 3282084
Call us on 0800 3282084
Static Caravan - Holiday Letting Insurance
If you just want to let your family and friends have the use of your caravan, and will make no charge for that use, that is included in your policy as standard with no need to inform us. If however you are going to let it out and make a charge for that then you will need to tell us when you get a quote and we will include it on your schedule of insurance. When you select this cover you may advertise and let the caravan for holiday use. The policy also provides a contribution of up to £50 a day towards pre-booked bookings you lose if your caravan becomes unusable as the result of an insured loss.
Static Caravan Insurance Quote – new for old to 20 years
Our policy covers your caravan for loss or damage all year round. This includes all of the fixtures and fittings and other built in equipment including your freezer, refrigerator, cooker, microwave, canopy, gas bottles, steps, balcony, deck, shower, water heater, battery and generator.
You need to make sure that you include the value of all of the items you want to cover when deciding on your sum insured. You can select new for old insurance until the caravan is 20 years old but if you do select this then you need to ensure that you insure it for the full replacement value of the nearest equivalent new model from your manufacturer, including delivery, plus any additional items that you have fitted to or inside your caravan.
In other words you are looking to ensure that the sum insured is sufficient to replace your caravan and the associated items in and attached to it should you be unfortunate enough to have a loss where the insurer decides to replace it rather than repair the caravan. Full details of how claims settlement is decided is set out in the policy booklet. For own your protection please make sure that your read the insurance policy documents.
Market value caravan insurance
This means that the settlement of a claim is based on the second hand value at the time of the loss or damage up to the sum insured shown on your schedule of insurance. You will need to establish or estimate the value of your caravan and associated items when you request your quotation. We are not able to advise you on values but it is always best to avoid being under insured as this can have implications if you need to make a claim. For own your protection please make sure that your read the policy documents.
The policy covers your static caravan for the cost of removing it to a competent repairer including the return to site and reconnecting it to services such as water and electricity. In practice most minor repairs can be completed on site.
You will need to establish a re-siting cost. You can choose an amount from £2,500 and up to £10,000 for this. The reason for the flexibility in setting this amount is because different holiday home parks charge different amounts. You can always ask the site owner what they would charge.
Northern Ireland Holiday Caravan Insurance
We are delighted to offer static holiday caravan insurance on many parks in Northern Ireland for Northern Ireland residents. If we have not assessed your site with the insurer we can give you an indicative quotation and refer the site for underwriter approval. The policy is exactly the same and our rates are the same for Northern Ireland sites static caravans as for the rest of the UK. Why not give us a call on 0800 328 2084.
We care when you need to claim on your insurance
We know how stressful it can be if you ever have the need to claim and we are here to help. You have our promise that your claim will be passed on to the claim department promptly and that we will provide any help that we have available. The Insurers Claims Department has a good reputation for the fair and prompt way in which they deal with claims.
Pay for your static caravan insurance by Direct Debit - payment options and pricing
If you want our cheapest price you should pay annually but if you would rather spread the cost we can set up a consumer credit agreement with Premfina Limited so that you can pay by monthly Direct Debit. Premfina will pay us a commission which we will use to defray some of the costs of administration. The interest rate you will pay is 15%. We will ask you to pay a 20% deposit so for example if your premium is £160 you will pay a £32 deposit. 15% is then added to the remaining premium. This £147.20 is collected over a ten month period at £14.72 per month. You will end up having paid £179.20 for your insurance.
The APR is 36.5% which sounds like a lot but what it means in the example above is that you have paid £19.20 for the credit. Caravanwise Limited is Authorised by the FCA as a credit broker and we will be paid a small commission for setting up your agreement. As you can imagine this is such that it doesn't cover our costs but we offer it as a service to customers to allow you to split the cost of your insurance into smaller chunks.
Easy to arrange static caravan insurance
This Insurance policy is easy to arrange, just call our friendly Dorset based team on 0800 328 2084 and we will take care of the rest. You can also do an online quote right now just click the button below.
Get a Free Static Caravan Insurance Quote Today
Frequently asked questions
There is no legal requirement for you to have insurance but you will probably find that as part of your contract with the park owner that they will require you to have it fully insured. Often they insist that you have new for old insurance and that you have £2 million or £5 million liability insurance built in. Some parks may a small charge for checking your insurance.
Some larger park owners sell you a 10 year site licence at the end of this you have no rights to your pitch and will be required to remove the caravan. There may be an option to extend the site licence. You really need to read your site licence carefully before you commit to it and if there is anything that you are not sure about ask a professional to look over the contract for you.
Market value insurance is a type of insurance policy that provides coverage based on the current market value of the insured item, rather than its original purchase price or replacement cost. This type of insurance is commonly used for items such as cars, boats, and other types of property. In the event of a claim, the insurer will pay out an amount equivalent to the market value of the item at the time of the loss. You need to read the wording of your insurance policy carefully as often the maximum that will be paid out is the value that you have insured it for which will be shown on your schedule of insurance.
With new for old cover you insure your caravan for the full replacement cost of a brand new one. This offers more comprehensive protection and peace of mind, as it ensures that the policyholder can replace their lost or damaged items with brand new ones, without having to worry about the cost but it does cost more. Static caravan insurance premiums are set on the basis of a rate per £1000 and since a new replacement will be considerably more than the depreciated value you will be paying for more thousands. May park owners insist that you buy new for old insurance so that you are in a position to have a brand new replacement. This makes sense as they want to keep the park looking nice.
The best way to find out what the cost of your insurance will be is to get a quote. You will need a few pieces of information before you do this. You'll need to know what the postcode of the park is, what the replacement value of your caravan is, either its new value for new for old insurance or its market value if you want that level of insurance coverage. You need to know what the resiting cost of it will be and decide what other things associated with your 'van you want to insure. Lastly you'll need to decide if you are going to let out your caravan for payment, if you are you need holiday letting insurance.
Your fixtures and fittings, things that came with your static caravan from the manufacturers will be covered under the insurance of the caravan included in the value of it. The things you buy to keep in it need to be insured as contents. Things that you take from your home when you go to the park for a holiday need to be covered on your home contents policy as personal possessions away from the home.
The simple answer is to ask your holiday park owner. They will know haw much it typically costs to remove a damaged caravan and get the new one in, anchored and linked up to services. We can offer to insure this for up to £10,000 you just let us know how much you want when you take out your insurance.
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