The Easter holidays often mark the start of a new season for many caravanners, with parks reopening and travel plans taking shape across the UK.

This year brings a mix of developments across the sector. New campsite tenancies are being offered, some sites are changing management, and others are planning extensions and refurbishment.

Meanwhile, long-standing risks continue to evolve, highlighted by reports of stolen caravans being recovered as far afield as Poland.

Here’s a closer look at some of the latest stories affecting caravan owners and holiday park users this season …

Fancy running a caravan park in Elvaston Castle, Derby?

The first of the campsite initiatives is an offer from Derbyshire County Council to take on the tenancy of the 4.02-acre caravan park at historic Elvaston Castle, which dates back to 1633 and is renowned for its formal gardens and surrounding parkland.

In its story about the council’s initiative, Practical Caravan magazine revealed that bids for a tenancy are open to offer.

A caravan park in the grounds of Elvaston Castle had been in operation since the 1960s, but recurring drainage problems on the site meant that it closed down in 2012. Derbyshire County Council tried to let the site again in 2018, but no new tenants took up the offer. A later attempt to sell the site also fell through.

The site has now been cleared once again, and the council is promoting the commercial opportunity for a new caravan site venture within the 321 acres of historic landscape.

Lake District: Park Cliffe Campsite under new operator

A well-established campsite in the ever-popular Lake District is under new management.

The former Park Cliffe Camping and Caravan Estate has been renamed Park Cliffe Windermere Camping and Caravan Park under its new management, the Caravan and Motorhome Club (CAMC), it has been announced.

CAMC is naturally very excited to add a further site to its list, especially one so close to the stately lake and just three miles from Bowness-on-Windermere. Under the club’s management, the site is open to all-comers – touring caravans, campers, motorhomes, and glampers.

Already the holder of a David Bellamy Gold Conservation Award for a management style that fosters environmental responsibility and protection of local flora and fauna, Park Cliffe is home to red deer, roe deer, foxes, squirrels, and abundant birdlife. In tandem with its natural treasures, the park also boasts modern amenities such as a shop, bar and restaurant, children’s playground, games room, and park-wide Wi-Fi.

Stolen UK caravans recovered in Poland with help from NCC, VIN Chip and CRiS security systems

In a posting on the 19^th of March, the National Caravan Council (NCC) revealed that several high-end caravans stolen in the UK have been found and recovered as far away as Poland.

Working in concert with the NCC, Cheshire Constabulary Rural Crime Team has concluded an investigation resulting in the return to their UK owners of several caravans and other possessions, following the arrest by Polish authorities of six offenders who are now currently awaiting trial.

Praising the collaboration with both the NCC and the Polish authorities, Cheshire police urged caravan owners to improve the security of their caravans by attaching a VIN Chip – a tamper-proof identification label, containing a radio frequency ID (RFID) chip, that links the caravan to a database securely managed by the nationwide Central Registration & Identification Scheme (CRiS)

Proposed Northumberland caravan park extension could bring £1.6m boost to local economy

Coquet View Leisure Park in Warkworth, Northumberland, has submitted a planning application for a further 64 static caravans at its site north of Morpeth, revealed the Northumberland Gazette on the 27^th of March.

Planning permission had previously been granted for 124 static caravans, but the plan was never developed. The current application for a reduced number of units reflects changes in a planning regime that has become more environmentally sensitive. Even with fewer additions to the site, however, the application claims there will be a £1.6 million boost to the local economy.

Caravanning is an increasingly popular option for people looking to take their holidays within the UK. It’s a home from home, with no worries about having to book hotel accommodation or fitting everything in to a suitcase for a flight.

We love a caravan holiday! Here we share:

• why staycations are so popular;
• reasons to buy a caravan; and,
• considerations before you buy.

Why a staycation? (Or, 10 good reasons to buy a caravan!)

Rising travel costs, changing travel requirements and the appeal of exploring more of the UK have encouraged many people to consider holidaying closer to home.

By staying within the UK’s varied countryside, coastline and national parks, a caravan holiday can offer flexibility and familiarity alongside the opportunity to travel more frequently throughout the year.

Travel hassle

For some travellers, airports and overseas travel arrangements can feel increasingly time-consuming. Flight delays, security procedures and baggage restrictions may all add complexity to planning a trip abroad.

By choosing a caravanning staycation, you may avoid some of these issues and travel with fewer restrictions on what you can take with you.

Staycationing caravanners

Buying your own caravan may provide a convenient base for regular short breaks or longer holidays without the need to arrange accommodation each time you travel.

With a touring caravan, you have the flexibility to explore different parts of the UK. (Our website includes destination ideas and useful guides).

Alternatively, a static caravan located on a holiday park can provide a familiar retreat that is ready when you are.

Freedom v planning

Planning an overseas holiday often involves booking flights, arranging accommodation, organising transfers and budgeting for additional travel costs.

By contrast, a caravan-based staycation can sometimes be arranged more quickly, particularly outside peak seasons, allowing greater flexibility when deciding when and where to travel.

Home comforts

Many caravan owners value the ability to travel with their own belongings and maintain familiar routines while away from home. This can make breaks feel more relaxed and comfortable compared with staying in unfamiliar accommodation.

Over time, owners often personalise their caravan space to suit their preferences, helping create a genuine “home from home” environment.

Making every day count

Travelling abroad can involve significant time in transit. With a caravan, your holiday may begin as soon as you set off, and you can often make more use of shorter breaks throughout the year.

This flexibility may make it easier to take spontaneous trips or long weekends without extensive planning.

Boredom breakers and spontaneity with a caravan holiday

If you own a touring caravan, you can change locations whenever you choose, subject to site availability. This flexibility allows you to adapt your plans depending on the weather, local events or personal preference.

Even short notice weekend breaks can become more achievable when accommodation is already available to you.

Taking your pets

For many owners, travelling with pets is an important consideration. Provided the caravan site permits animals, your pet can often accompany you, removing the need for kennels or pet-sitting arrangements.

Our guide to caravanning with pets provides further information on preparing for travel with animals.

The cost

Depending on how often you travel and where you stay, owning a caravan may offer a cost-effective alternative to repeated hotel bookings or overseas trips.

However, it is important to remember that there are ongoing costs associated with caravan ownership. These may include site fees, maintenance, storage, insurance and servicing, all of which should be considered when planning your budget.

Access to fresh air

Caravanning is closely associated with outdoor lifestyles. Many caravan sites are located near coastlines, countryside walks and national parks, making it easier to spend time outdoors and explore different regions of the UK.

Caravans and holiday homes are fun!

Caravan holidays can suit a wide range of travellers, from families looking for regular weekend escapes to couples seeking quieter rural retreats. Many holiday parks also offer facilities such as leisure centres, restaurants and organised activities.

These features can help make caravanning an enjoyable and flexible way to travel.

H2: Things you may need to think about before you buy a caravan

Here we touch on some considerations before you buy. At the end of the section, we have provided links to more detailed guides.

Mobility

If you have found a location you particularly enjoy visiting, a static caravan may suit your needs. Static caravans are usually located on licensed holiday parks and are not intended to be moved frequently.

If you prefer exploring different destinations, a touring caravan or motorhome may provide greater flexibility.

It is worth checking the terms of any holiday park agreement before purchasing a static caravan, as parks often have rules relating to occupancy periods, age limits on caravans and permitted usage throughout the year.

Protection

If you are investing in a caravan, you may wish to consider arranging suitable insurance to help protect against risks such as theft, accidental damage or severe weather events, depending on the policy selected.

Insurance may also be required by some caravan parks or storage providers as part of their site conditions.

Here at Cover4Caravans, we aim to help customers compare both touring caravan insurance and static caravan insurance options so they can compare cover options that reflect how their caravan is used.

The level of protection available will depend on the insurer, policy wording and individual circumstances, so it is important to review documentation carefully before arranging cover.

Storage and security considerations

If you own a touring caravan, you may need to think about where it will be stored when not in use. Some owners keep their caravan at home, while others choose secure storage compounds.

Insurers sometimes take storage arrangements into account when assessing risk, so security features such as wheel clamps, hitch locks or approved storage sites may influence the cover available or the premium payable.

At Cover4Caravans, storing your caravan at a CaSSOA-approved site may help reduce the premium, depending on individual underwriting criteria.

Running and maintenance costs

Like any vehicle or holiday property, caravans require ongoing maintenance. Regular servicing helps ensure that gas systems, electrical equipment and structural components remain safe and in good working order.

Other ongoing costs may include:

• site fees;
• storage charges;
• servicing inspections;
• replacement tyres;
• cleaning and upkeep;
• insurance; and
• winter preparation where relevant.

Understanding these costs in advance may help you decide whether caravan ownership is suitable for your lifestyle.

Weighty matters

If you opt for a tourer, your driving licence will normally allow you to tow up to a certain weight, but this depends on when your licence was issued and the combined weight of the towing vehicle and caravan. Please read the Gov.UK website for further information.

Your car manufacturer will also specify the maximum towing capacity of your vehicle, and it is important to ensure your caravan falls within this limit.

Site rules and usage restrictions

Static caravan ownership often involves entering into an agreement with the site operator. These agreements may include rules relating to:

• how long the caravan can remain on site;
• whether sub-letting is permitted;
• seasonal occupancy limits;
• maintenance responsibilities; and
• pitch fee increases over time.

Understanding these conditions before purchase can help avoid unexpected costs later.

Resale and depreciation

As with most leisure vehicles, caravans may reduce in value over time. Factors such as condition, age and manufacturer reputation can influence resale value.

Some holiday parks also apply age limits to caravans kept on site, which may affect how long a static caravan can remain in its original location.

Considering resale potential at the outset may help you make a more informed purchasing decision.

Further reading:

• Cover4Caravans’ Guide to buying a tourer
• Guide to buying a static home

Summary

The above highlights some of the reasons people choose to buy a caravan, together with some practical considerations to review before making a purchase decision. For many owners, caravanning offers flexibility, convenience and the opportunity to explore more of the UK at their own pace.

If you’re still considering whether caravan ownership is right for you, researching the different types of caravans available and understanding the ongoing commitments involved may help you decide whether it suits your travel plans and lifestyle.

Date of Visit:    March/April 2026

Overall View

This is a privately owned and operated caravan and camping site a few miles outside the market town of Barnard Castle. It is both a dog friendly and child friendly site. It is a level site with well-spaced pitches and facilities.

Access is from the A66, please see arrival video HERE.

The site also has a large rally field and some caravan storage.

Facilities

Each pitch, whether hard standing or grass, in the caravan area has its own 16amp EHU.

There are two shower blocks, one which also houses the accessible toilet and shower.

There are water filling points at each of the facilities blocks including CDP points and grey water disposal. 

The central facilities block also has a drive over motorhome waste disposal point to the side.

The facilities block nearest to the farmhouse has a dish washing room to the side.

At the far end of the farmhouse there is also a laundry, (at charge) with a large washing machine and dryer.  There are also two further ladies and gents toilets here too.

A public footpath at the top end of the site doubles as the dog walk and there is a doggy bin there as well.

Security at the site is very strong with two, numbered, barriers in order to gain entrance to the site.  The outer one, nearer the road entrance, is open during the day but closes at night.  You can still access the site with both the key numbers.

Rubbish and recycling is kept in a shed by the entrance – good practice to take your rubbish in your car on your way out.

Fire extinguishers are placed across the site.  There is a defibrillator in Reception.

Reception has leaflets about the area and also books to exchange.  Fresh eggs are also available at cost.  The owners are very friendly and approachable, making for a very pleasant atmosphere.

A bus service connecting you with Barnard Castle and onwards to Bishops Auckland stops right outside the entrance.  A useful addition for motorhome owners etc.

Review of Site Pitch

The majority of tourer pitches are laid to gravel and predominantly level.  Most will take a caravan and awning side by side, parking the car at the front.  The pitches are well tended and clean.

TV and radio reception was fine. Mobile wise we had no issues with EE 5G though their coverage checker suggested poor to no signal indoors. Vodafone was fine up to 4G both inside and out. The coverage checkers for O2 and Three suggested the same.

There was no WiFi offering.

Around and about

The nearest town which has shops is Barnard Castle, a 15 minute drive from the site.  It has a Lidl and Home Bargains on the far side of town from the site.  In the town itself there are a wide range of independent shops and pubs/cafes.  There is a Co-Operative shop on Horsemarket.  A smaller Morrisons is found behind the main street with a car park and toilets.  A dog friendly pub/restaurant is also on Horsemarket called The Raby Arms Hotel.  Great food and dogs are allowed in all parts of the bar, restaurants etc.

There are also a wide range of independent antique shops selling all types of products.  Barnard Castle is well known for this.

There are various street markets held throughout the week/month.  Best to check as times do vary.

Finally, there is the Castle itself, from which the town derived its name.  It is run by English Heritage.  Please note there is no parking in the immediate vicinity and access is down a tarmac slope.

Slightly further afield is Bishops Auckland, where the major supermarkets are plus the corresponding fuel stations.  Most of the shopping is to be found within several out of town shopping centres which are mainly on the ring road around the town.

There is also a railway station here which connects with the East Coast mainline and in the opposite direction a Heritage railway.  The Weardale Railway is easily accessible from the national railway station by walking along the platform and boarding the train.  If you require a ramp, please ring ahead in plenty of time to ensure they have one available.  Currently, the railway goes as far as Stainhope, although it is hoped that it will be extended further up the dale as Weardale which is where the original railway terminated.  There is a lovely station at Stainhope, the rebuilt station and canopy have won a number of awards.  There are full toilet facilities here, plus a small shop and a small cafe.  It can get very full in there and is not really set up for wheelchairs.  There are sheltered seats and tables on the platform if required.  A very pleasant afternoon out, an hours journey each way.

Another half day out is to Eggleston Hall, Nursery and Gardens.  Entrance is free, although donation box is available by the entrance.  There is a guided walk around the site with the leaflet available from the Cafe.  It also takes in the Hall’s derelict church and graveyard which is very old indeed.  Depending on the season, you will see a good range of plants and flowers on show, daffodils were everywhere when we visited.  A beautiful sight indeed.

There is a lovely, dog friendly and fully accessible cafe and their offering of a toasted teacake, butter with half a fresh strawberry, slice of apple, slice of kiwi fruit and a slice of orange was a complete but delightful surprise!  Their coffee was just as good too.  There is a small section where you can purchase plants – roses were much in evidence.  To a non-gardener, the quality looked really good.  There are also a couple of artists by the entrance in their individual studios selling their products.  Alongside the cafe is an antique/bric-a-bac shop with all manner of goods for sale.  An enjoyable visit, although possibly not so much if it was raining. 

A slightly further afield visit is to Durham – major historical monuments are here.  The Cathedral is probably the best well known.  Access is dependent upon your accessibility needs.  We parked at Bishops Street Car Park  and strolled up the High Street – easiest route is to turn left and follow the road round until you enter the Cathedral quadrant.  You can go from the other end of the High Street but that involves steep steps and a hill climb from the River level.  The Cathedral is very welcoming and allows dogs in there as well.  Photography is allowed but not while there are services underway  Please also note that there is a congestion charge – payable every 24 hours.  It is done entirely on-line and is simple to use.

If you enjoy scenic drives with amazing views, then a good half days trip out is to Stanhope, via the moors route, B6278/Roman Road.  We were lucky that it was a dry, clear day and you could literally see for miles in all directions.  It does take a while but there are plenty of photo opportunities. It was interesting to note the snow markers on the road size; one can only imagine the scenery in the winter.  

Stanhope is a sizeable village, which we had not realised when we visited it on the Weardale Railway a few days ago.  Our destination was the Durham Dales Centre.

There is plenty of parking, accessible facilities and some lovely craft shops.  The Easter displays were particularly good.  Unfortunately, the cafe recently closed – looked like it was permanent too.  We were a little disappointed that there was not more there – the website was perhaps done some time ago. 

It is possible to drive further up Weardale to a Museum, however, please check before setting off as it is privately run and does not always open all the time.  We returned along the dale floor, driving through some pretty little villages – some with shops and cafes.  We were aiming for The 68 Cafe – we were able to buy a cup of tea and sit in the car admiring the views and eat our pre-packed lunch  We returned via Barnard’s Castle back to the site.

For a superb meal, good range of beers and wines, plus dog friendly evening out, then you would do well to visit Fox & Hounds pub in Cotherstone village – about a 5 minute drive from the site.  We had the most delicious, home cooked meal – the range of drinks on offer was excellent and they were most accommodating of our dog.

Summary

A lovely quiet, independent site.  Owners take a real pride in what they do and that is evident by the high standards across the site.  It is a site to which we would return.

There’s nothing quite as cosy and welcoming as a caravan holiday. But whether you choose a static caravan or a touring caravan, the ownership experience – and the insurance considerations – can differ significantly.

A static caravan is typically installed on a fixed pitch within a licensed leisure park, while a touring caravan is designed to be towed between locations. Because they are stored, transported, and used differently, insurers usually assess them under separate risk categories.

Understanding the differences between static caravan vs touring caravan insurance can help you arrange cover that more closely reflects how your caravan is actually used.

What is a static caravan?

A static caravan is typically sited on a permanent or semi-permanent pitch within a purpose-built holiday park.

These caravans are usually connected to utilities such as electricity, water, and drainage, and their use is commonly governed by site licence agreements. These agreements may include occupancy rules, seasonal usage limits, and maintenance responsibilities.

Static caravan insurance is normally designed to reflect risks associated with a fixed location. Depending on the park’s setting, this may include exposure to storm damage, flooding, falling trees or debris, vandalism while parks are closed, and public liability risks linked to the pitch.

You can read more about what may typically be included under static caravan insurance.

Although some park operators may offer their own insurance schemes, in most cases, owners are not usually required to purchase caravan insurance cover through the site provider.

Arranging specialist static caravan insurance independently may provide greater flexibility, provided the policy meets the park’s licence requirements and conditions.

It may also be sensible to check whether your park specifies minimum liability limits as part of its static caravan site licence insurance requirements.

What is a touring caravan?

A touring caravan is designed for mobility and can be towed between destinations throughout the year.

This flexibility introduces a different set of risks compared with static caravan ownership. Touring caravans may be exposed to towing incidents, accidental damage while travelling, theft from temporary locations, or damage while stored between trips.

Touring caravan insurance is therefore typically structured around how the caravan is transported, secured, and stored when not in use. You can learn more about touring caravan insurance here.

Storage arrangements can be especially important. While some touring caravans are kept at home, in storage compounds, or on campsites, insurers often apply conditions about acceptable locations.

Informal storage sites such as open farmland or unsecured fields may typically be unsuitable because they present a higher theft risk and limited physical protection.

Many insurers set minimum expectations around storage arrangements, particularly where caravans are not kept at recognised secure facilities such as those described in secure caravan storage guidance. Some insurance providers, such as us here at Cover4Caravans, may offer discounted premiums where caravans are stored at Caravan Storage Site Owners’ Association (CaSSOA) approved sites.

Additional precautions such as wheel clamps, hitch locks, or tracking devices may also form part of insurer security requirements, depending on where the caravan is stored. Read more: Guide to caravan storage and security.

Key ownership differences that affect insurance risk

Comparing a static caravan vs touring caravan highlights several practical differences that insurers typically take into account:

• static caravans usually remain on a licensed pitch throughout the season;
• touring caravans are regularly transported between destinations;
• site licence rules often restrict how static caravans may be occupied;
• touring caravans may face additional transit and towing risks;
• static caravans may be exposed to environmental risks linked to their permanent setting, especially on coastal or elevated parks;
• touring caravans usually require secure off-season storage that meets insurer expectations;
• static caravan owners may need to comply with maintenance conditions set out in pitch agreements.

Because these risks differ, static caravan insurance and touring caravan insurance are usually arranged under separate policy types rather than interchangeable cover.

Understanding how caravan storage and usage affect insurance cover can help ensure the protection arranged reflects your circumstances.

It is also important to notify insurers of changes affecting the caravan’s location, storage arrangements, or use. Further guidance is available in our caravan insurance FAQs.

Static caravan vs touring caravan insurance: what’s the difference?

Static caravan insurance typically focuses on risks associated with a fixed pitch location, including weather-related damage, site-specific hazards, and public liability linked to the caravan’s position within the park.

Touring caravan insurance, by contrast, generally reflects risks linked to mobility, including towing incidents, temporary siting risks, accidental damage away from storage locations, and theft while travelling or parked.

Some policies may also offer features such as:

• new-for-old caravan insurance cover;
• optional caravan contents insurance;
• protection for caravan awnings;
• loss of use caravan insurance cover.

Availability will depend on the insurer and the terms and conditions of the policy.

Choosing insurance that reflects how your caravan is used

When comparing static caravan vs touring caravan insurance, it may be helpful to consider where the caravan is located for most of the year and how often it is moved.

For example:

• static caravan policies may place greater emphasis on site-based risks such as storms, flooding, and third-party liability;
• touring caravan policies may place greater emphasis on transit damage, theft risk, and storage security arrangements.

Before arranging cover, you may wish to:

• check any insurance requirements set out in your park licence agreement;
• confirm whether your storage arrangements meet insurer expectations;
• notify your insurer if the caravan’s use or location changes;
• review cover limits periodically so they continue to reflect replacement values.

Understanding the differences between static caravan vs touring caravan insurance can help ensure your policy reflects how your caravan is stored, used, and protected throughout the year.

FAQs: static caravan vs touring caravan insurance

Do static caravans need different insurance from touring caravans?

Yes. Static caravans are typically insured under policies designed for fixed-pitch risks, while touring caravans are usually insured under policies that reflect transit exposure and storage requirements. See static caravan insurance for more details.

Do I have to buy insurance through my static caravan park?

In many cases, no. Some park operators offer insurance schemes, but owners can often arrange independent specialist cover provided it meets site licence requirements.

Where can I store a touring caravan when not in use?

Touring caravans may sometimes be stored at home, on campsites, or in recognised storage compounds. Insurers often set security conditions, and informal locations such as unsecured farmland are typically not acceptable.

Does touring caravan insurance include towing cover?

Some policies may include protection against damage while the caravan is being towed, although the level of cover varies and will depend on policy terms and conditions. Further details are explained here: touring caravan insurance.

Is CaSSOA storage required for touring caravan insurance?

It is not always required, but some insurers may offer improved terms if the caravan is stored at a Caravan Storage Site Owners’ Association approved facility because of the higher security standards.

Owning a static caravan is one of the pleasures of holiday home ownership. Whether it sits on a quiet countryside park or a lively coastal site, it offers a place to escape and relax whenever you choose. But unlike a permanent house, a caravan sits in a very different environment and is often left empty for long periods.

That difference matters when it comes to insurance.

Some new owners may assume their static caravan will fall under a normal household policy. Static caravans, however, face risks that standard home insurance simply is not designed to cover and that is why specialist static caravan insurance exists.

If you have recently bought a caravan, or are reviewing your existing policy, it is worth understanding how this type of cover works.

What is static caravan insurance?

Static caravan insurance is a policy designed specifically for caravans that remain on a fixed pitch, usually within a holiday park. Unlike touring caravans, which are towed from place to place, static caravans stay in one location for extended periods.

As a result, they can be exposed to certain risks over time. Weather conditions are often one of the main concerns, particularly in coastal areas where storms and high winds are more common. Caravans may also be empty for weeks or months between visits, which can increase the risk of theft or vandalism.

A dedicated insurance policy helps provide protection against these kinds of unexpected events. For many owners, it simply offers reassurance that their holiday property is properly safeguarded.

You can learn more about available static homes and cover options in our Guide to static homes.

Why specialist caravan insurance matters

Holiday parks can be wonderful places to own a caravan, but they also present a different set of circumstances compared with traditional housing.

As we mentioned before, a static caravan might be used regularly during the summer months and then left unoccupied throughout the winter. Coastal parks may experience stronger winds and harsher weather than inland areas. Some parks close for part of the year, leaving caravans unattended for long periods.

Because of this, insurers generally design caravan policies to take into account several factors, including:

• periods when the caravan is empty;
• exposure to weather damage;
• the construction and materials used in caravans;
• liability risks involving visitors or neighbouring units.

These considerations are the reason a typical home insurance policy will not usually provide suitable protection for a caravan.

What does static caravan insurance typically cover?

Although cover varies between insurers, most policies include a number of common protections. Typically, these may include some or all of the following …

The caravan structure

This part of the policy covers the caravan itself. It may provide protection against damage caused by storms, fire, flooding or vandalism.

Because caravans are more exposed to the elements than traditional buildings, structural protection is usually one of the most important elements of the policy.

Contents cover

Many caravans contain valuable items such as furniture, kitchen appliances, televisions and personal belongings. Contents cover may help protect these possessions if they are damaged or stolen.

Public liability cover

Public liability insurance is designed to help protect caravan owners if someone is injured while visiting the caravan or if their property is accidentally damaged.

For example, if a visitor trips on the steps outside your caravan and suffers an injury, liability cover may assist with legal costs or compensation.

Accidental damage

Some policies also allow owners to include accidental damage protection. This can cover incidents such as broken windows, damaged fittings or other unexpected mishaps.

Reminder: It is important to note that static caravan insurance policies vary depending on the individual policy and the insurer, meaning the policy features and benefits offered, as well as the terms and conditions of cover, may differ. Check with your caravan insurance broker or other provider as to what your cover does and doesn’t entail if you are unsure.

What is usually not covered?

Like any form of insurance, static caravan policies normally include certain exclusions.

Common examples may include:

• wear and tear or gradual deterioration;
• damage caused by poor maintenance;
• certain weather events unless specifically included;
• caravans left unattended beyond the policy’s permitted time limits;
• losses arising where policy terms or conditions have not been followed, for example leaving an awning erected when the policy requires it to be taken down during periods of non-use or high winds.

Because every insurer sets its own terms, it is always worth reading the policy wording carefully so you understand exactly what is included, or, again, checking with your insurance provider.

Do static caravans need security measures?

In many cases, yes.

Insurers often expect owners to take reasonable precautions to protect their caravan. This might involve using approved locks, installing alarm systems, or following security guidance set by the holiday park.

These measures can reduce the likelihood of theft or vandalism and, in some cases, may influence the cost of insurance.

Choosing the most suitable cover for your caravan

No two caravan owners use their property in quite the same way. Some visit frequently throughout the year, while others only spend time there during certain seasons. In some cases, caravans may also be let to holiday guests.

For that reason, choosing the most suitable static caravan insurance policy involves considering how your caravan is used and the level of protection you feel comfortable with.

Comparing cover options, policy limits and optional extras can help ensure your caravan is properly protected.

Understanding how static caravan insurance works can help you make informed decisions about protecting your holiday property and enjoying your time away with greater confidence.

Further reading: Static caravan insurance: What to know before you buy.