RENEWALSREDEEM VOUCHERREPORT A CLAIM
Redeem Voucher
Renewals
Report a claim

Static Caravan Insurance

QUOTE NOW

Why choose Coast Insurance for static caravan insurance?

We specialise in insurance for static and touring caravans, motorhomes and park homes, so you can be certain a Coast Insurance policy has been designed by experts. You also get the backing of one of the industry’s major players, as we work closely with leading Insurance companies to come up with comprehensive cover for a very competitive price.

As a family-run insurance broker, we also take great pride in providing excellent customer service. Our call centre is staffed by friendly, knowledgeable advisors who can help to ensure you choose the right policy or talk you through the claims process.

Benefits of our static caravan policy

The Coast Insurance static caravan policy, available either in ‘market value’ or ‘new-for-old’ cover, includes protection against all of the following

  • Fire
  • Flood (subject to location and excess)
  • Storm
  • Theft
  • Malicious damage
  • Impact
  • Full accidental damage
  • Loss of rent
  • Legal expenses including disputes between site owners and residents
  • Site clearance
  • Frozen food
  • Alternative accommodation
QUOTE NOW

Note: Cover is subject to the policy terms and conditions. The policy does not cover you for general wear and tear or damage caused by poor maintenance.  Cover and limits vary depending on policy and insurer

Loss or Damage to your Static Caravan

The features and benefits of static caravan cover ensure that all built in fixtures and fittings will be covered, this includes refrigerators, cookers microwaves and more.

Fixtures and built in features are not the only benefits of the cover. The insurance also covers many household goods such as the following:

  • TV’s
  • Radios
  • Clothing
  • Computers
  • Hi-Fi Systems
  • And Many More

We even go as far as replacing your locks, just in case you lose your keys.

What do static caravan insurance policies from Coast Insurance include?

The competitive price of static caravan insurance from Coast Insurance is not the only reason to take out our cover. You will also discover that our policies are both flexible and extensive.

One of the key features is that you can select either ‘new-for-old’ or ‘market value’ cover, depending on which best suits your needs. The excess on most policies is also low, starting from just £50.

The competitive premiums do not mean you receive a lower level of protection from a Coast Insurance policy, as we provide cover for accidental damage, malicious damage, theft, fire, storm, flood (subject to location and excess), loss of rent, site clearance and frozen food as standard. You will also be covered for the cost of alternative accommodation, legal expenses and the loss of rent, along with up to £5 million public liability insurance.

Our commitment to excellent customer service

As part of our commitment to excellent customer service, we aim to offer you information and tips on all aspects of caravanning life. The useful news section of our website contains many interesting articles on static caravan insurance & security that could help to minimise the risks posed to your static or touring caravan.

The benefits of insurance for static caravans are many and include being covered for weather damage whether it’s storm, snow or flooding. Those with a static caravan in the UK should consider seeking out static caravan insurance from a dedicated UK provider. From what is covered in the policy to making the claim, there are a myriad of reasons why it makes sense to go with a UK insurance provider.

Specialist static caravan insurance such as that offered by Coast Insurance has been built around extensive knowledge of static caravan ownership and the type of incident likely to affect owners. This means your policy can include additional features that you would not find with standard insurance, such as rent loss cover, freezer food cover and vermin cover.

Static Inside

All the protection you need

Finding the right static caravan insurance means identifying cover which provides all the protection you need, without being too expensive. Here at Coast Insurance, we have got the balance right by using our expertise in the sector to design an extensive policy at a competitive price.

Our static caravan insurance starts from £73.19 a year and because we are specialists, you can be certain we have not cut corners on the cover to push the price down. We understand the risks associated with this type of holiday home. Our policies reflect this by including cover for a wide variety of problems that may occur while you are staying in the caravan or during periods it is left empty.

We also recognise that owning a static caravan is a long-term commitment and are happy to insure caravans up to 30 years old (at new business). You will receive the same level of service as if your holiday home is new, so you can rest assured you will enjoy cover for all sorts of accidental damage and legal expenses.

Static Interior

Frequently Asked Questions

Static caravan insurance is a specialised policy that provides financial protection for static caravans against risks like fire, theft, vandalism, accidental damage, and weather-related events.

It is not legally required, but it’s often necessary if your caravan is located on a holiday park, as many park owners require proof of insurance.

Static Caravan Insurance covers caravans built to BS EN1647.

Common inclusions are:

  • Structural damage to the caravan.
  • Contents and belongings inside the caravan.
  • Public liability (e.g., injuries to visitors).
  • Site clearance and resiting costs if the caravan needs to be removed and replaced in the event of a total loss.
  • Loss of use if your caravan becomes uninhabitable due to an insured peril.

Many policies include accidental damage, but this may need to be added as an optional extra.

Yes, but only up to the sum insured limit. High value items might need to be declared separately.

Most policies cover weather-related damage, including storms and floods, but exclusions may apply for areas at high flood risk. Please check to make sure that you have the cover you require as some policies exclude flood.

Public liability insurance protects you if someone gets injured or their property is damaged while in or around your caravan.

Factors affecting premiums include:

  • Caravan value.
  • Location (e.g., flood risk or park security).
  • Age and condition of the caravan.
  • Your claims history.

Discounts may be offered for:

  • Installing security devices (e.g., alarms, wheel clamps).
  • Having no claims history.
  • Seasonal usage (not living in the caravan year-round).

Most insurers offer monthly payment options, but they may charge interest.

Common exclusions include:

  • General wear and tear.
  • Using the caravan as a permanent residence without declaring it.
  • Theft without signs of forced entry.

We can offer a policy that covers rental use. However, this is an option to add-on.

  • Contact your insurer as soon as possible.
  • Provide evidence (photos, receipts, and details of the incident).
  • Follow the insurer’s claims process, which may involve inspections.

If the caravan is beyond repair, the insurer typically offers a payout based on its market value or if insured on a new for old basis you would receive a brand new static caravan up to the sums insured on your schedule.

Yes, most policies have an excess, which is the amount you pay toward a claim before the insurer covers the rest.

Decking is often included but may need to be specified on your policy. Check your policy details.

Yes, many insurers offer coverage for second-hand caravans.

Policy Documentation

Terms

AmTrust Specialty Limited

ARAG

Aviva Insurance Limited

GoldPark

Fortegra

Insurance Underwritten By

Insurance