Static caravan insurance

We've been providing static caravan insurance as your local broker for over 30 years.

Howden Insurance have been providing static caravan insurance policies to communities across the UK since 1993.

We've achieved this by working with specialist caravan insurers across the industry, which allows us to compare policy options on our clients' behalf, based on what they tell us they expect to get from their cover. Whatever your property is that you need to insure, and whatever budget you have, we'll do everything we can to help you get your hands on a comprehensive policy.

Our experts acknowledge that each policy needs to be as individual as its owner and their caravan, and that’s why we provide a bespoke, personalised service, which focuses on getting to know you and finding out exactly what you want from your cover.

To get a caravan insurance quote, you can either give us a call on 01527 881 010, submit a call-back request on our website, or visit us in your local Howden branch.

Benefits of choosing an insurance broker:

• You can trust us – we’re rated Excellent on Trustpilot.
• We’re driven to save you time, money, and hassle.
• Benefit from a tailored service that comparison sites can’t provide.
• Speak with your local branch, within your community.
• We’re right by your side in the event of a claim.

What is a static caravan?

Static caravans are prefabricated in factories and delivered ready to site. They are often referred to as ‘homes away from home’, typically found on permanent or temporary sites, which are similar to caravan parks, often found in a desirable location.

They’re also often called ‘leisure homes’ offering great opportunities for those looking to get away. Leisure homes are also favourable for buyers seeking out a property alternative, different to traditional brick and mortar homes.

When insurers talk about leisure homes, they’re talking about not only static caravans, but also leisure lodges. Leisure lodges are a little bit wider than static caravans and have a higher specification of furnishing to them usually, with a typical sum insured of around £240,000. Leisure homes is the term used within the industry as it refers to how this style of property is usually for holiday use or letting, as opposed to a residence.

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

The biggest and most obvious difference between a touring caravan and a static caravan is the fact that touring caravans are designed to ‘tour’, thus being mobile and towable, whereas static caravans are ‘static’, without wheels and are not moved once delivered to a site via the factory.

As static caravans or leisure lodges are rarely transported, they’re typically heavier and more luxuriously designed, especially inside, in comparison to touring caravans. Ultimately, since these leisure homes stay in one place, they’re often more spacious than touring caravans, come better equipped with a wider range of facilities, and function better all year round.

We can help you insure a static or touring caravan. Give us a call on 01527 879 777 or get a quote online via our website.

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Do I need static caravan insurance?

Whilst it’s not a legal requirement to insure a static caravan or leisure lodge, most sites will insist that caravan owners must hold a policy which includes public liability insurance of at least £5 million pounds. This cover is included as part of a specialist static caravan insurance policy as standard at no extra cost.

Nevertheless, even if you’re not asked to show proof of insurance, you still need to consider how potentially not getting static caravan insurance could leave a major financial asset going unprotected and uncovered.

What does static caravan insurance cover?

Your static caravan insurance policy will protect your asset in the event of an accident or incident involving your property. You could expect this cover to protect you against:

• Both internal and external accidental damage
• Flooding, fires, explosion or weather damage (e.g., storms, snow, lighting, earthquakes)
• Theft
• Accidental damage (both internal and external damage)
• £5milllion public liability insurance cover
• Third-party liability cover

Your static caravan cover will always include the structure of your caravan. There will be options to include contents within the static caravan, your decking and veranda, hot tubs, sheds, or outbuildings within the plot your property is on. If you have, or later add, a hot tub, woodburning stove or a sauna then you’ll need to mention this to your insurer to ensure that they’re happy to provide you with a quotation, or continue your cover.

How much does static caravan insurance cost?

According to a recent study by the Holiday Park Expert, the cost of static caravan insurance can range from £150 to £300 per year.

However, we work with a wide range of specialist insurers, and each of their policy premiums are different, which makes it tough for us to predict exactly how much your static caravan cover will be worth. Additionally, there are several factors which can influence the price you are quoted, which are:

• The value of the static caravan – the more it’s worth, the more you should expect to pay
• How large the static caravan is
• How old the static caravan is
• Where the static caravan is located

Despite these factors, if you get in touch with us, we can connect you with our specialist insurers so that you can find the perfect static caravan insurance cover for your leisure home, which is not only right for you, but is also affordable.

Tips to get a cheaper static caravan insurance quote

Most insurers will provide you with a premium payable for your static caravan insurance based upon the information you provide them with.

But there are some ways you could potentially reduce your premium. You could:

• Agree to increase your policy excess by having a voluntary excess, which will be payable in the event of an insured claim and added to the insurer's compulsory excess, to equal your total contribution payable, in the event of a claim under your policy.
• Reduce your cover from New for Old cover to Market Value Cover.
• Pay for your policy in one interest-free lump sum, rather than in monthly instalments.
• Avoid unnecessary add-ons and policy upgrades you don’t need.

How to get a static caravan policy quote

So that we can help you get your hands on the right static caravan insurance quotes for you, we’ll need you to provide us with the following information:

• Your personal details
• The make, model and the year the caravan was made
• Your caravan insurance claims history
• Your caravan site address
• The price you need to insure your caravan for on a New for Old or a Market Value basis

If you wish to include any cover for your caravan contents, you’ll also need to provide the costs needed to replace these contents, either brand new or on a market value basis, depending on whether you’re insuring the structure of your static caravan on a New for Old or a Market Value basis.

Other types of caravans or leisure homes we can insure:

• Touring caravans
• Park homes
• Mobile homes
• Motorhomes
• Campervans
• Trailer tents