Your static caravan is an important investment and we fully understand and appreciate how important finding the most suitable cover – and at a realistic price – is to you.
Our insurance for static holiday homes offers wide levels of cover and can include:
- new for old cover for static caravans up to 10 years of age – regardless of the number of previous owners! (Your sum insured MUST represent the current replacement cost);
- generous no claims discounts;
- £5,000,000 liability cover;
- various security discounts;
- contents insurance;
- cover up £250 for loss of or replacement keys in any one claim;
- extended cover for hiring out the static caravan.
Our mobile homes insurance policies are postcode rated which enables us to offer fairer premiums for flood free areas.
Our dedicated UK based specialists are on hand to deal with any enquiry you may have – just ‘phone us on 01702 606301 and we will be delighted to help.
How can you get your quote for your static home insurance?
To get a caravan insurance quote, you can choose from the following options:
- Click here and receive your quotation immediately via our online form – you can even proceed to buy using our secure online payment system.
- ‘Phone us on 01702 606301 to request a quotation from one our UK based experts.
What is covered in static caravan insurance?
This will depend on whom you buy your cover from, and the individual policy terms and conditions as well as the features and benefits. Typically, you can expect insurance for a static home to include all or some of the following elements of cover:
- storm damage or other extreme weather;
- theft or attempted theft;
- malicious damage;
- contents insurance (if required)
- accidental damage; and
- public liability cover.
The list is by no means exhaustive and different static caravan insurance policies and providers may include different risks as standard. Ensure you fully understand any policy exclusions, too.
How much does it cost to insure a static caravan?
The cost of caravan insurance premiums will to be influenced by a number of things, including but not restricted to:
Caravan insurance value
The value of the caravan (and its contents, if contents cover is also required).
Here the level of insurance needs to reflect the worst case scenario in which the static caravan is totally destroyed and needs to be replaced. Some policies may offer replacement as new – for caravans less than a certain age – whilst others may provide settlement on the basis of the valuation immediately before the insured event.
Valuation of the contents of your static caravan is also an important consideration and, once again, any settlement may be on the basis of new for old replacement or after the deduction of wear and tear – the former generally commanding a higher price in premiums.
The more you do to improve the security of your static caravan, the lower the risk from theft, attempted theft and vandalism. In recognition of that lowered risk, you are likely to gain a discount on the cost of the premiums you pay.
The level of security might be evaluated not only with respect to the caravan itself – door and window locks, smoke detectors and intruder alarms, for example – but also with reference to the overall management of the park on which your caravan is sited.
Whatever security measures you are able to demonstrate, however, you might want to keep in mind that most insurers are likely to require additional steps during those periods when the caravan is left unoccupied or when the park is closed for the season. These measures might include the draining down of water systems, disconnection of gas and electricity supplies and, additional tethering of the caravan.
One of the attractions of owning a static caravan may be the opportunity to earn extra cash by letting it when you are not using it yourself. You might need to pay more for your insurance if you intend letting out your holiday home to ensure it is adequately protected. This is because there is a business element to this, which potentially leaves you and you caravan vulnerable to extra risks.
As you can see, there are a number of options that influence the cost of your static caravan insurance cover – please feel free to contact us to see how we can help get you cost-effective, quality caravan insurance cover for your static home.
Do I have to use the site owners’ insurance?
There are hundreds of static caravan parks in the UK housing peoples’ holiday homes.
Until recently the owners of these static caravans generally purchased their static caravan insurance from the park owners. This has begun to change, however, as other insurers have made their rates more competitive to particularly target this business away from the park owners – somewhat like the way you no longer automatically insure your home with your mortgagee.
The owners or management of the park on which your caravan is pitched are almost certain to offer static caravan insurance – and may be entitled to ask for proof that you have such cover – but in most cases you need not be restricted to just this source can source your own insurance caravan quotes.
Why choose Cover4Caravans for your insurance?
Tracking down suitable caravan insurance static cover might leave you with a bewildering choice of options. First you need to determine your precise needs and requirements and then attempt to match these to one of the many products on the market. On both counts, there is a risk that some important factor is missed or overlooked.
For that reason, you might want to draw on the expertise and experience we have here at Cover4Caravans, where we are able to home in on your particular, individual needs and circumstances and use our extensive knowledge of this niche of the insurance market to identify the solution most likely to suit your needs so you can compare caravan insurance options.
We are authorised and regulated by the Financial Conduct Authority (FCA) and registered in England and Wales No. 347 6249, so you can feel assured you are dealing with an experienced, long standing and reputable provider of insurance for caravans.
Finally, don’t forget to browse the rest of our website for useful tips and guides relating to static homes, insurance for caravans and, much more.