Static Caravan Insurance

Static caravans are worth thousands of pounds. If you don’t protect them with suitable insurance, you’ll be left to cover potentially huge costs if you fall victim to theft or damage. That’s why considering static caravan insurance is a good idea. It can provide financial cover should something happen, whether or not your caravan is occupied.

At Lifesure, we partner with specialist insurers to help build you a bespoke policy to suit your needs. Get in touch with our friendly, UK-based team today for a personalised quote.

Why consider Lifesure for static caravan insurance?

At Lifesure, we have a wealth of experience helping our customers find policies to suit their budgets and requirements. Plus, assistance is just a phone call away. Our friendly UK-based team is on hand to help answer any questions you have, to allow you to find the ideal policy for your static caravan.

Key features of Lifesure’s static caravan insurance policy

Static caravan insurance can protect you from accidents, theft and storm damage.

Here are some of the types of cover included in a typical static caravan insurance policy:

Accidental Damage Static Caravan Contents Insurance

Accidental damage to contents

Cover for renting out your static caravan

Protects against winter risks when unoccupied (1)

New For Old Cover Static Caravan Insurance

New-for-old cover, up to 20 years old (2)

Optional legal expenses

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Get your quote

What can be covered

New for old caravan replacement if your static caravan is damaged, based on its age and value, for static caravans up to 20 years of age²
Contents and household goods cover up to £500 for any single item of clothing, luggage or general household goods
Theft and attempted theft cover while your static caravan is in use
Accidental damage cover for static caravan building and contents
Rental cover for renting your static caravan to guests, family and friends
Cost of hiring similar caravan should your static caravan become uninhabitable, for up to £10,000

What’s not covered

Theft, loss, or damage to valuables or money
Damage from wear and tear or gradual deterioration
Mechanical or electrical breakdown
Damage or vandalism caused deliberately by the owner, family or friends
Pet damage to interior or exterior of the static caravan

Optional extras

Leisure home legal expenses³ can provide cover for up to £50,000 for legal defence or contract disputes related to letting out your static caravan, or the site, as well as for disputes with solicitors, accountants or surveyors.
Key cover can insure you for the cost to repair or replace keys if they're damaged, stolen or lost

Terms and conditions, limitations, exclusions and acceptance criteria apply. please see the policy documentation for full details. Policy enhancements are subject to an additional premium.

1. Insured events against winter risks: for policies insured by HCC/HDI, Escape of water or oil from a fixed system but excluding damage occurring during the period 1st November to 31st March (both days inclusive) whilst the static caravan is unoccupied unless: i. the water supply has been turned off at the mains and all systems drained with the exception of sealed central heating systems that have been professionally fitted and contain antifreeze For policies insured by Pen Underwriting, loss or damage during the period 1st November until 31st March unless: i. The water has been switched off at the mains and the entire water system has been drained down; or ii. Where the leisure home has the benefit of agas or oil fired central heating system it is set to operate continuously for 24 hours of each day and the thermostat is set at not less than10 degrees Celsius/50 degrees Fahrenheit.

2. For cover provided by HCC/HDI,If the static caravan is damaged beyond economic repair and provided that: a) the static caravan is less than 20 (twenty) years old at the start of the period of insurance; and b) the sum insured represents the full new replacement cost of the static caravan we will pay the cost of replacing the static caravan with a brand new equivalent on the same park or site and, in addition, up to £10,000 toward the necessary cost of debris removal, delivery and re-siting. For cover provided by Pen Underwriting, If your leisure home is damaged beyond economic repair we will pay the cost of replacing your leisure home with a brand new equivalent provided that: a.The leisure home is no more than 20 years old at the start of the period of insurance b.The sums insured represent the cost of a new leisure home of the same make and model.

3. Leisure home legal expenses and key cover underwritten by ARAG plc, a coverholder of the insurer, ARAG Allgemeine Versicherungs-AG Branch UK. Unless otherwise stated, all other cover is underwritten by HCC International Insurance Company plc & HDI Global Specialty.

Why choose Lifesure for static caravan insurance?

We've been helping people with static caravan insurance for over 20 years, so we know how to help find a suitable policy for you and your caravan. You'll also get superb customer service at Lifesure. It's why we've earned the Feefo Platinum Trusted Service Award for five consecutive years.

Our award-winning team is always on hand to help. Whether you need a new quote or want to change your existing policy, call us at 01480 402 460. You can manage your policy and access documents through our MyLifesure online customer portal. Plus, you can securely message us and update your information.

Support with claims

Need to make a claim on your static caravan insurance policy? Our partners have a dedicated claims teams ready to guide you through the process. We know claims can be a stressful time, so if you need further support our Customer Care Champion is there to help, for additional peace of mind.

Here is helpful information if you need to make a claim.

Refer a friend for rewards

You can also use our 'Refer a Friend' scheme. When you recommend us to friends, family, or neighbours, you could earn a £40 e-voucher reward. Find out more and start earning here. Terms and conditions apply.

Leisure home static insurance policy document (Pen)

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PDF 563.12 KB

Static caravan Insurance policy document (HCC)

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PDF 286.17 KB

Key cover insurance policy document

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PDF 259.88 KB

Leisure home legal expenses insurance policy document

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PDF 541.99 KB

We partner with established insurers like AXA, Ageas, Allianz, Aviva, and LV offering a dedicated service and support when making a claim.

Explore our other insurance policies: 

•    Motorhome insurance
•    Touring caravan insurance
•    Campervan insurance
•    Car insurance
•    Park home insurance
•    Van insurance
•    Home insurance
•    Imported car insurance
•    Convicted driver insurance
•    Leisure home insurance
•    Travel insurance

Find your insurance

Static caravan insurance should be simple. That’s why we make payments easy with multiple payment options, such as instalments by direct debit, debit card, credit card, BACS, or bank transfer. You can also spread the cost to make payment more manageable; we work with Close Brothers Premium Finance to enable you to pay in regular instalments*. 

Flexible payment dates, online account management, and credit agreement renewal can make it easier to purchase appropriate protection.

*We work with a third party company called Close Brothers Premium Finance Limited (‘CBL’), which manages instalment payments. We act as a credit broker and we are not a lender. If you have opted to pay by monthly direct debit, we will pass your details to CBL and they will make a credit decision about you, which may include a credit check being carried out. Please let us know immediately if you do not consent to us sharing your details with CBL. If CBL agrees to provide you with credit you will receive a welcome pack including a credit agreement from CBL, which you will need to sign and return to CBL. Please note that CBL has its own set of terms, conditions and charges and you should familiarise yourself with these carefully. We may receive a commission for introducing you to CBL. Paying by monthly direct debit via CBL will cost more than paying by one off payment. As part of your premium finance journey, Close Brothers will provide you with a commission disclosure detailing the commission we earn. You will have 12 days to review this information and provide your consent. If you decide not to consent to the commission amount, Close Brothers will be unable to process your loan, and you will need to arrange to pay the balance in full.

Ways to pay

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The home TV licence is only valid for use in the types of holiday accommodation when the home TV will never be used at the same time as that in the caravan.

Frequently Asked Questions:

Read some common questions about static caravan insurance, which will help you better understand your cover options. Please note that these Frequently Asked Questions are not a substitute for the policy wording. For full terms and conditions please see the policy documentation.

Do I need static caravan insurance?

While static caravan insurance isn’t legally required, it’s worth considering. This type of policy can protect you from unexpected costs like damage from storms, fires, or theft. If your static caravan is your holiday home or used for renting out, having insurance can help to protect you if something goes wrong when you’re not there. Plus, many caravan sites insist on having insurance as a condition of keeping your caravan on site.

What’s the difference between static caravan and touring caravan insurance?

Static and touring caravans are insured differently because they’re used in different ways. Static caravans stay in one spot, so insurance can cover things like storm damage and theft when unoccupied. Touring caravans are often on the move, so the insurance can cover accidents while towing as well as damage when parked.

Does the site my caravan is on make a difference?

Yes, where your caravan is located affects your insurance. If it’s in a flood-prone area or somewhere exposed to harsh weather, the risk is higher, which can increase the cost of insurance. Insurance companies also consider site security, such as gates or CCTV.

Is static caravan insurance legally required?

No, there’s no legal requirement to have static caravan insurance. However, it’s a good idea to protect your caravan from costly repairs or replacements due to damage, theft, or accidents. It can also cover liability if someone gets hurt while using your caravan.

Can I get insurance for a static caravan that is my permanent residence?

No, Lifesure doesn’t offer insurance for static caravans used as permanent residences. You can explore our home insurance policies or contact us if you use your static caravan as a permanent residence.

What factors influence the cost of static caravan insurance?

Yes, there are policies designed for older static caravans. These policies often consider the caravan's age and value, offering appropriate cover at an affordable price.

What factors influence the cost of static caravan insurance?

Several things can affect the cost of your static caravan insurance. The age of the caravan, its location, how secure the site is, and any added security features like alarms can all impact the price. How often and for what purpose you use the caravan can also influence costs.

How can I reduce the cost of my static caravan insurance?

To help reduce the cost, you can install extra security measures like alarms or window locks. Choosing a site with better security or lower environmental risks, such as a low flood zone, can also lower your premium. Plus, reducing claims by taking care of your caravan and ensuring it's well-maintained helps keep costs down.

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