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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 per family member on yearly policies and £1 per month per family member on lunar monthly policies.

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Are there any restrictions as to where my caravan can be sited?

Yes, please view our online security requirements page.

  1. View Static Caravan Security Requirements PDF

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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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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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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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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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