Static Caravan Insurance That You Can Tweak!
You likely spent a great deal of time finding the right static caravan, in the right location with the right facilities; if you are now looking for the right insurance, then being able to tweak your policy to better suit your needs might sound like just the ticket. Good news - we offer three all-new static caravan insurance policies that have both been designed to find that elusive balance between offering as many benefits as possible yet whilst remaining affordable. Better still we’ve made some benefits Tweakable which can help you create the perfect policy for you.
Choose from 3 policy types to start
Classic is our entry-level policy which includes the benefits as detailed in the table below, Prime and Elite include extra benefits and higher levels of cover. Simply choose which best meets your needs and then you can tweak it with our Optional Benefits!
What additional Optional Benefits can I add?
Our Optional Benefits allow you to add the following to your static caravan insurance policy:
- Special Occasions
- Emergency Services Damage
- Sports Equipment
- Gadgets and Mobile Phones
- Dog Emergencies
For further details simply read on or get a free no-strings quote and find out if you could be better off insuring your static caravan with The Insurance Emporium.
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Our Range of Cover Levels
Check out our easy-to-read Table of Benefits below to see which level of cover will give you the protection you need.
- Loss, Theft or Accidental Damage i
- New for Old i
- Alternative Accommodation i
- Removal & Delivery i
- Ground Rent i
- Accidental Damage i
- Accidental Loss of Keys/Damage to Locks i
- Freezer Food i
- Public Liability i
- Personal Accident i
- Family Member Cover (FREE) i
- Friends Cover (FREE) i
(payable every 28 days, cover renews every 28 days)
- Up to £54,000
- Up to 4 years
- Up to £54,000
- £250
- £200
- £1.25 million
- £15,000
- Up to 3 family members
- Up to 2 friends
- Up to £54,000
- Up to 7 years
- £100/day
(Up to 15 days) - £1,250
- £1,750
- Up to £54,000
- £350
- £300
- £1.75 million
- £30,000
- Up to 3 family members
- Up to 2 friends
- Up to £54,000
- Up to 15 years
- £150/day
(Up to 15 days) - £1,750
- £2,500
- Up to £54,000
- £450
- £400
- £2.25 million
- £50,000
- Up to 3 family members
- Up to 2 friends
(payable annually, cover renews annually)
- Up to £54,000
- Up to 4 years
- Up to £54,000
- £200
- £150
- £1 million
- £12,500
- Up to 3 family members
- Up to 2 friends
- Up to £54,000
- Up to 7 years
- £100/day
(up to 10 days) - £1,000
- £1,500
- Up to £54,000
- £300
- £250
- £1.5 million
- £20,000
- Up to 3 family members
- Up to 2 friends
- Up to £54,000
- Up to 15 years
- £150/day
(Up to 10 days) - £1,500
- £2,250
- Up to £54,000
- £400
- £350
- £2 million
- £40,000
- Up to 3 family members
- Up to 2 friends
- Special Occasions i
- Emergency Services Damage i
- Sports Equipment i
- Gadget Cover i
- Dog Emergencies i
- £1,500
- £1,500
- £1,000
- £500
- £500
Loss of or damage to your caravan, equipment, contents or personal belongings by accidental damage, fire, flood, storm, vandalism or theft.
Cost of replacing holiday caravan with a new one if stolen, lost or accidentally damaged by fire, flood, storm or vandalism.
The cost of alternative accommodation or hire of replacement holiday caravan whilst yours is being restored to a habitable condition.
Disconnecting and removing, re-delivery and reconnection if uninhabitable for more than 24 hours.
Reimbursement of ground rent until your uninhabitable holiday caravan is repaired, replaced or settlement paid.
The cost of repairing accidental damages or broken panels, sanitary ware, mirrors and glass, TVs and audio equipment.
The cost of replacement keys or locks.
Loss or damage of food kept in a domestic deep freeze due to a rise or fall in temperature.
Cover for your death following bodily injury caused by fire or assault by thieves whilst present in your holiday caravan.
Your legal liability to others for compensation and costs arising out of your use of your holiday caravan.
Family members using your holiday caravan for social, domestic and pleasure purposes.
Friends using your holiday caravan for social, domestic and pleasure purposes.
14 days before and after a special occasion, extends contents and personal belongings cover.
Reparation of damage caused to your holiday caravan or gardens by emergency services attendance.
Amends contents and personal belongings cover to include specified sports equipment.
Amends contents and personal belongings cover to include specified gadgets.
Covers emergency veterinary treatment, death, theft or straying whilst your dog is on holiday with you in your caravan.
Why Insure Your Caravan With Us
Read The Not Small Print
We dislike jargon and we like to be upfront and clear with customers, but occasionally there are words that we need to use so we've put them in this helpful box of not small print!
Save up to 35% on new policies with our additional discounts, with plenty of ways to reach the maximum saving. Discounts available for Caravan Club membership, secure window locks, alarm, policy holder aged over 30 and 3 years or more no claim history with a previous caravan insurer (10%).
This is based on a Caravan insured for £1,000 on the Classic level of cover with no Optional Benefits selected.
The average premium our customers paid in 2023 was £10.43 per Lunar Month, with an average £16,616 sum insured.
A Lunar Monthly policy runs in periods of 28 days. This type of policy renews each 28 days upon receipt of appropriate premium.
Are there any restrictions as to where my static caravan can be sited?
Your holiday caravan must be kept on a site that is licensed and which is supervised by the site owner, his/her agent, full time warden or other employee who is permanently on site.
Do you offer 'New for Old' cover?
Dependent on the cover level chosen we offer 'New for Old' cover anywhere from 4 years up to 15 years from the date of manufacture.
What are the security requirements on your static caravan?
Full details are provided within our static caravan insurance Security Requirements within our policy wording.
What additional equipment can I insure?
We will insure any non-standard fixtures, fittings and accessories added since manufacture including air conditioning units, aerials, awnings, batteries, fire extinguishers, gas bottles, generators, refrigerators, satellite dishes, security devices, solar panels, water carriers and any other ancillary equipment related to the use of your caravan.
What additional contents can I insure?
We will insure household goods and personal belongings, owned by you or a member of your family, that are in your caravan. Please refer to our policy wording and the question below for items we do not insure.
What additional contents can I not insure?
Any items used solely or partly for business, profession or trade purposes and articles made from precious metals, bicycles, binoculars, books, business tools, cameras, car accessories, cash, cheques, credit cards or the like, clocks, collections of any kind, computers and ancillary or associated equipment, documents, fishing equipment, furs, gaming consoles, gemstones, gold, golfing equipment, guns and any other associated equipment, hearing aids, instruments, jewellery, mobile phones, Motability scooters, personal media including CDs, DVDs and MP3s, photographic or audio-visual equipment and accessories, pictures or works of art, securities, silver, software, spectacles or contact lenses, sports equipment, watches or watercraft.
What age will you insure my static caravan up to?
Up to the age of 25 years from the date of manufacture.
Will you insure my static caravan if I let a friend use it?
We offer cover for up to 2 friends to use the static caravan in the UK for social, domestic and pleasure purposes as long as they are over 25 years old.
Will you insure my static caravan if I let a family member use it?
We offer cover for up to 3 family members to use the static caravan for social, domestic and pleasure purposes.
Will my policy cover me if I use my static caravan as a permanent address?
No. Your policy will not cover you if your caravan is being used as a permanent living accommodation or home address, or as accommodation for periods longer than 90 consecutive days.
Does the insurance cover the costs of temporary accommodation?
Yes, if your static caravan is rendered uninhabitable for more than 24 hours by any insured event specified in the policy, temporary accommodation up to £150 per day (for a maximum of 15 days) is provided depending on the level of cover chosen.
Is my freezer food covered?
Yes, if there is loss or damage to food that is kept in a domestic deep freeze cabinet in the static caravan and is caused by a rise or fall in temperature, we will pay up to £400 (depending on level of cover chosen).
What happens if I need to unexpectedly remove my static caravan due to a disaster on site?
If your static caravan is rendered uninhabitable for more than 24 hours by any of the insured event, we will cover any reasonable costs for disconnecting, removing, re-delivery and re-connection of your caravan up to £1,750 depending on the cover level you have chosen.
What are Optional Benefits and do they apply to my caravan insurance?
Optional Benefits are sections of cover that you can select if you wish to.
Optional Benefits applicable to static caravan insurance are:
- Special Occasions
- Emergency Services Damage
- Sports Equipment
- Gadget Cover
- Dog Emergencies
Enter the promo code at checkout or let our team know over the phone and the discount will be applied to the final premium. Promo code discount is available from the start of the policy until its first review/renewal date.
