Static Caravan Insurance FAQs

If the following FAQs don't answer your query please have a look at our General FAQs or our Caravan Insurance FAQs sections.

Are members of my family covered to use the caravan with my permission?
Family members may use the caravan, so long as they have your express permission to do so. A £10 premium per year is payable.
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Are there any restrictions as to where my caravan can be sited?
Yes, please view our online security requirements page.
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Can I use my caravan as permanent living space?
No. Your caravan cannot be used as a permanent residency.
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Do you offer a no-claims discount?
Not at present although this is something we may introduce in the future.
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Do you offer new for old cover?
Yes, we offer up to 5 years new for old for your static caravan.
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Does the insurance cover the costs of temporary accommodation?
Yes, temporary accommodation up to £50 per day (with a maximum of £750) is provided depending on the level of cover chosen.
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I have family coming to stay, are they covered to use my static caravan?
Yes friends and family can use the caravan to stay in, as long as they have your permission.
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If my static caravan is damaged and needs to be moved, will the costs be covered by insurance?
Yes, if you static caravan is made inhabitable and needs to be removed, we will pay for the reasonable costs incurred in removing and delivering the static caravan.
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Is my freezer food covered?
Yes. If you are subject to loss or damage to your food, whilst it is stored within the insured static caravan freezer department, as a result of a unexpected temperature change.
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Is there a static caravan age limit?
The maximum age of any caravan is 20 years old.
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Is there any cover for accessories/contents included?
We can include all related static caravan accessories under the insurance, including TV's and DVD Players. This is up to a maximum of 20% of the total sum insured. Only items £100 or over need to be specified.
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The freezer within my static caravan has broken, ruining all freezer food. Do you cover the costs of damage?
Yes. Your insurance will cover the cost of wasted freezer food, due to temperature change, up to the value of £250.
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What happens if I need to unexpectedly remove my static due to a disaster on site?
We will cover any reasonable costs for disconnecting, removing, re-delivery and re-connection of your caravan if it becomes uninhabitable for more than 24 hours.
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What if lose the keys or my static caravan locks get damaged through theft?
We will cover the reasonable cost of replacement locks and keys in both of these instances.
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What is the policy excess?
It is £85 for all sections other than Public Liability where it is £250.
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When is my static caravan covered?
Your static caravan will be covered at all times, whether secured at your selected (and approved) site, at your property or on a site as long as the required Security Requirements have been met. We will also cover you whilst your static caravan is being moved or transported.
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Who is covered to use the caravan?
We cover the insured property for social, domestic and pleasure purposes. We do exclude use of the caravan for business purposes, hiring or lending out unless we have specifically agreed otherwise and endorsed your policy schedule accordingly. We also exclude use of the caravan as permanent living accommodation or home address, or as accommodation for periods longer than 90 consecutive days unless we have given prior agreement in writing and you have paid any additional premium.
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