Static caravan insurance UK: costs, cover & 9 top providers compared

Static caravan insurance covers your holiday home against risks like fire, storm, flood, theft and accidental damage, plus public liability if someone is hurt on your pitch. It isn't a legal requirement, but most holiday parks make it a condition of your site licence agreement. Premiums typically run from around £100 to £400 a year, driven mainly by your caravan's age and value, its location, security measures and the level of cover you choose. Below we compare 9 leading UK providers on cover, excess and policy extras so you can find the right fit.

Why do you need static caravan insurance?

By law, you don't really need insurance in the UK, but almost every holiday park requires it as a condition of your licence agreement or pitch lease, alongside proof of an up-to-date gas safety certificate and electrical inspection. Even where a park doesn't insist on it, we'd recommend a static caravan insurance policy that fits your caravan's value and how you use it, since replacing or repairing a static caravan after storm or flood damage can run into thousands of pounds.

What does static caravan insurance cover?

Most policies are built around the same core protections, though limits and optional extras vary by provider:

• Buildings-style cover for the caravan structure itself against fire, storm, flood, theft, vandalism and accidental damage

• Public liability (commonly up to £5 million) if a visitor is injured or their property is damaged while on your pitch

• Debris removal, re-siting and reconnection costs if your caravan needs to be moved or replaced after a covered event

• Alternative accommodation contribution while your caravan is uninhabitable

• Contents cover for furniture, appliances and personal possessions inside the caravan

• New-for-old or market-value settlement in the event of a total loss (see below for which suits you)

If you're still deciding whether to buy, our guide to buying a static caravan covers ownership costs and site fees alongside insurance.

How much does static caravan insurance cost?

Premiums for static caravan insurance in the UK typically range from around £100 to £400 a year, though the exact figure depends on several factors:

• Caravan age and value – newer, higher-value caravans generally cost more to insure

• Location – caravans on parks in flood-prone or coastal areas can attract higher premiums

• Security measures – alarms, approved locks and secure hitch locks can reduce your quote

• Level of cover – new-for-old cover typically costs more than market-value cover

• Excess chosen – a higher voluntary excess usually lowers the annual premium

• Claims history – a claims-free record can qualify you for a no-claims discount

Getting quotes from several providers, like the ones compared below, is the most reliable way to find a fair price for your specific caravan.

New-for-old vs market value cover: which should you choose?

New-for-old cover replaces your caravan with an equivalent new model if it's written off, usually available for caravans up to around 20 years old depending on the provider. Market-value cover pays out the caravan's current second-hand value instead, which usually means a lower premium but a smaller payout if the worst happens. If your caravan is relatively new, new-for-old cover is generally worth the extra cost; for older caravans nearing the age cut-off, market-value cover is often the more sensible option.

What’s the difference between an independent insurance agent and an insurance broker?

Independent agents will be working with one insurance company whilst an insurance broker will have partnerships with multiple insurance companies giving their customers a wider range of policies to choose from. A key point to make here is that independents will be working in the insurance providers’ best interest and not necessarily yours.

A broker works for its customers and ultimately wants to make you happy. That being said, many intermediaries provide great levels of cover and exceptional customer service but we’d recommend you do your research before you sign on the dotted line to make sure you have everything you need.

How to get discounted insurance quotes

By joining certain communities and clubs relating to the caravan world you could be entitled to many types of discounts including your static caravan insurance so before you look for a suitable policy you should check these out to see what you’d be entitled to as a member:

The Caravan & Motorhome Club

The Camping and Caravanning Club

Choosing the best static caravan insurance in the UK

Unless you are very loyal to your insurance company, your home insurance is probably different than your car insurance. In the case of static caravans, touring caravans, campervans and motorhome insurances, the same happens. Sometimes one company doesn’t fill all your needs, so it’s time to compare caravan insurance companies.

Leisuredays Static Caravan Insurance

Leisuredays have been donned with the 5-Star Defaqto rating. This static caravan insurance provider prides itself on having a 95% recommendation rate on Review Centre and that 97% of customers agree they receive a high level of customer service.

Policy highlights:

• New for old option

• £10,000 for emergency repairs, debris removal and re-siting

• 24-hour claims helpline

• £100,000 legal expenses option

• £5 million public liability cover

• Emergency accommodation costs

• £2,500 ground rent cover

• £25,000 fatal accident benefit

• Hiring out and loss of earnings options (£250 excess)

Shield Total Caravan Insurance

Shield Total has gained a 4.6 out of 5 customer experience Feefo rating and their policies start from £82 per year. They help to provide you with only what you need with optional extras to boost your cover.

Policy highlights:

• New for old cover available for up to 20 years

• Covers against theft, impact or damage by a third party

• Covers for ancillary domestic outbuilding

• Up to £10,000 to cover debris removal, re-siting and reconnection

• Loss or damage caused by flooding, falling trees, fire and storms

• Loss or damage caused by subsidence

• A contribution to the costs of alternative accommodation

• Cover for accidental damage available

• Up to £5 million public liability cover

• Excess starts from £50

Club Care Insurance

Their flexible policy starts from £82 per year and offers a 5% discount if you’re a member of The Camping and Caravanning Club.

Policy highlights:

• Personal possessions cover for £2,500

• Cover for debris removal and re-siting costs

• Market value cover available

• New for old cover available up to 20 years

• £350 refrigerated and frozen food cover

• Up to £5million public liability cover

• Up to £50,000 personal accident cover

• £500 cover for pedal cycles and wheelchair

• Title deed cover - £750

• Covers all household members

• 5% discount for members of The Camping and Caravanning Club

NACO (National Association of Caravan Owners) static caravan insurance

Only available to NACO members but you get several benefits by joining up.

Policy highlights:

• Protection against fire, theft and storm damage

• £15,000 debris removal and re-siting & delivery costs.

• £5 million public liability insurance

• £1,000 locks and keys cover

• £1,000 vermin cover

• £1,000 freezer food cover

• £75 standard excess

• Accidental damage cover as standard

• Protection against loss of rent & accommodation costs

• Underwritten by Lloyd's of London

Four-star static caravan insurance providers

Whichever policy you choose we’re confident that there are enough good-quality insurance companies out there to help you tailor it to your needs without paying for things you don’t want.

Lifesure Group

Highly knowledgeable in all things caravan and they’ll provide you with on-going advice if you need it.

Policy highlights:

• They’ll cover caravans valued up to £150,000

• £5 million public liability insurance

• New for old cover for caravans up to and including 20 years of age

• Accidental damage, fire, theft, vandalism, storm and flood cover

• Friends and family use included

• Loss of use and hire charges to cover up to £10,000 including the cost for alternative accommodation

• Cover for contents of outbuildings

• The caravan can be used for hire and reward

• Debris removal, delivery and re-siting

• Cover for decking, skirting, steps and balconies

• 4.7 out of 5 customer experience Feefo rating (710 reviews)

Discount Insurance

Discount Insurance cover is great for those looking for deals, but it is also highly competitive and easy to deal with.

Policy highlights:

• Loss or damage cover includes risks such as fire, flood, storm, theft, explosion, impact and escape of water/oil

• Accidental damage cover – cover for unexpected damage to the caravan

• Alternative accommodation – cover if your caravan becomes damaged or stolen

• Public Liability – up to £5 million cover

• Loss of keys – replacement of locks and keys up to £500

• Optional contents and outdoor furniture cover is also available

• Instant online delivery of documents

• In-house claims team to help you through every step of your claim

• ‘Excellent’ 5 star Trust Pilot review rating

Towergate Insurance

Towergate provides a lot of advice for caravan owners on their website including information on what you should be covered for. They currently have a 4-star rating on Defaqto and a Feefo Customer experience rating from 692 reviews of 4.6 so they should be on your list of possibilities.

Policy highlights:

• New for old on 20 years old or less

• £0 excess on most claims – unless subsidence

• Flood cover as standard

• Will cover contents

• Frost and water damage

• Claims paid by BACs

• If you hire out your caravan you can be covered too

• Offer a 10% discount if you install UPVC locks or use Ramtech or StarTech alarm systems

• Recommend a friend offers

Coast Insurance

It has a wide range of static caravan policies starting from £86 per year, Coast is a vastly recognised insurance authority and they’ve just been nominated in the 2017 Insurance Choice Awards.

Policy highlights:

• Fire, flood and storm cover

• Covers theft

• Malicious and impact damage covered

• Full accidental damage

• Loss of rent

• Legal expenses including disputes between site owners and residents

• Site clearance

• Frozen food is covered

• Alternative accommodation

• Recommend a friend offers

Whichever policy you choose we’re confident that there are enough insurance companies out there to help you tailor it to your needs without paying for things you don’t want.

How can Camplify help you with your insurance?

We are the UK's fastest-growing peer-to-peer caravan hire and RV sharing community. Our system is similar to Airbnb but we specialize on caravans, campervans, motorhomes, trailer tents and lodges. We connect RV owners with holidaymakers in a safe and secure sharing environment.

And above all, it's free to list and we take care of insurance and breakdown cover while your RV is out on hire.

If you're weighing up whether hiring out could offset your annual premium, our static caravan hire tips for owners walks through what to expect before you list.

Try our free hire income calculator and find out how much your caravan can earn you.