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Over 2000 insurance specialists ready to support you

Static Caravan Insurance

Flexible cover to suit your caravan lifestyle

  • Storm and flood damage, theft or attempted theft cover as standard
  • £5m public liability insurance
  • Access your quotes, policies and renewals in your online account
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Static Caravan V2
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Overall service rating 4.6 / 5

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Why choose static caravan insurance with Towergate?

Caravan

New for old static caravan cover

We can offer new for old cover for static caravans less than 20 years old or market value cover up to 30 years, for the lifetime of the policy.

Certificate

Flexible static caravan cover

Our flexible policy means that you can choose the optional covers that suit your needs. Optional covers such as hiring out, excess protection and homecare emergency are available.

People

Public liability insurance for static caravans

We offer a standard £5 million public liability cover on our policies, as parks will often require owners to have this level of cover in insurance policy.

Calandar

Specialist static caravan team

We have dedicated advisors, who specialise in static caravans, available 5 days a week.

About static caravan insurance

Whilst static caravan insurance is not a legal requirement it is important to protect yourself from the risk that can come with owning a leisure home. Your site may also require you to have a basic level of public liability insurance or require proof of insurance. We offer new for old or market value cover on the home, its contents, additional structures or personal possessions.

Standard cover

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New for old static caravan cover

We can offer new for old cover for static caravans less than 20 years old or market value cover up to 30 years, for the lifetime of the policy.

A4 proportioned certificate with rosette

Flexible static caravan cover

Our flexible policy means that you can choose the optional covers that suit your needs. Optional covers such as hiring out, excess protection and homecare emergency are available.

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Specialist static caravan team 

We have dedicated advisors, who specialise in static caravans, available 5 days a week.

Caravan

Public liability insurance for static caravans

We offer a standard £5 million public liability cover on our policies, as caravan parks will often require owners to have this level of cover in insurance policy.

Flexibility (1)

Additional cover

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Hiring out your static caravan 

Should you want to hire out your static caravan when you are not using it, you have the option to add this cover to your policy. This policy excludes malicious damage cover, which can be added when you take out your policy and has an excess of £250.

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Homecare emergency

You can choose to include homecare emergency as an additional product with your policy. It provides a 24-hour helpline and assistance, including emergency repair services. Policy limit of £1000 per emergency applies. 

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Key protection

We can offer you cover for your keys if they are lost, damaged by accidental means or stolen. As well as replacement insured keys, it will also cover you for locksmith charges and new locks if a security risk has occurred. The insurer will cover the cost of reasonably incurred onward transportation if you are stranded due to the loss or theft of your keys up to a maximum of £100 per day up to a maximum of 3 days.

When you need to make a claim, we'll help you through the process by putting you in contact with the insurers to get your claim settled as quickly as possible.

Please refer to your insurance policy documents for the claims number. Alternatively call the claims team on 0344 892 1384 and explain exactly what happened. Make sure you have your policy documents and all your information to hand.

  • Find your insurance documents and make sure you have all your information to hand.
  • Call the claims team on 0344 892 1384 and explain exactly what happened.
  • All claims will be subject to applicable policy excess.
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  • Fill in our online quote form or call us
  • Purchase your policy
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Static caravan FAQs

Your static caravan insurance or leisure home insurance policy will be individual to you and the premium will depend on a number of factors including, the level of cover you choose, the age and size of your property, the property and content values you need to insure and your claims history. It is therefore difficult to give an estimate on the cost of cover.

Insuring a leisure home on a new for old basis ensures you will receive a brand new, equivalent model if an insured peril causes damage beyond repair. It is important that in this case, the sums insured reflect the cost of buying a brand new equivalent caravan. Towergate can insure static caravans up to 20 years old on a new for old basis. 

Static caravan insurance or leisure home insurance can protect you in three main ways:

  1. Public liability, often required by holiday parks
  2. Damage caused by various risks such as storm, fire, malicious and accidental damage, depending on the level cover you choose
  3. Additional and extended covers such as hiring out cover for when the property is let or lent, homecare emergency, key protection, excess protection and legal protection.

We allow you to specify the contents amount you want to insure. Make sure you consider what contents you have, to assess the value you will need insured. You may also choose to insure your contents on a new for old or a market value basis. If you choose new for old cover you should consider how much it will cost to replace your contents as new.

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.

If you purchased your static caravan policy after August 2019, you will be able to access our online portal. Please login or call us to set yourself up on 01242 894 174.

On your portal you will be able to view documents, adjust and pay for your renewal, request for one of our advisors to contact you or submit a claim. Unfortunately, our portal service currently doesn’t allow you to make mid-term adjustments or cancel your policy but we can complete these actions over the phone.

If you have already registered, please log in to our portal for caravan insurance brokers. If you have registered, please contact us on 01242 894 150.

Your static caravan insurance or leisure home insurance policy will be individual to you and the premium will depend on a number of factors including, the level of cover you choose, the age and size of your property, the property and content values you need to insure and your claims history. It is therefore difficult to give an estimate on the cost of cover.

Whilst static caravan insurance is not a legal requirement it is important to protect yourself from the risk that can come with owning a leisure home. Your site may also require you to have at least a basic level of liability insurance or require proof of insurance.

We offer new for old or market value cover on the home, its contents, additional structures or personal possessions.

No, this is not covered by your insurance policy.

If you currently do not hold a policy with us, our new Leisure Home policy offers extended cover for when you hire out your caravan. The extended hiring out cover protects you in the event of loss or damage caused by malicious persons or vandals, theft or attempted theft and accidental damage whilst let or lent.

Your standard policy will only provide cover for loss or damage when you are staying at the caravan. With extended hiring out cover, your guests can stay a maximum of four consecutive weeks, up to 20 weeks per year.

When letting or lending the property you are required to carry out an inspection within 72 hours after your guests depart. The unoccupied element of your cover will remain unchanged therefore you will need to ask your guests or arrange to have the water, gas and electric turned off at the mains.

However, not all our policies offer this extension, so if you already have a policy with us please speak to one of our advisors to establish whether we can offer you hiring out cover on 01242 894061.

When you purchase your static caravan insurance policy, we will send you a welcome email with your Policy Schedule, Policy Wording, IPID and our Terms of Business. If you have requested paper versions, these documents will be sent to you in the post.

If you purchased your policy after August 2019, you can also view your documents in your online portal. If you are renewing your policy, your documents will be emailed to you in your renewal pack or available in your online portal in the ‘My Account’ section.

Your renewal information will be emailed to you before your renewal date. If you purchased your policy after August 2019, you can also view your renewal documents and make changes to your policy in your online portal in the ‘My Account’ section which will include details of what is insured and your premium for the next year.

When you purchase your insurance, we will send your policy schedule in your welcome email which you will need to retain as your proof of insurance. If you purchased your policy after August 2019, you can also view your policy schedule in your online portal.

Yes – to cancel your caravan policy there is a £30 cancellation charge.

If you choose to cancel your policy within the first 14 days, you will not be charged and a full refund will be provided, including any additional products you may have selected, as long as no claims have been made. The 14 days begin from the date your policy starts or the date you receive your documents, whichever is the latter.

If you decide to cancel your policy after the first 14 days, you will be charged, by the insurer, for the time you have been on cover and a £30 cancellation fee and our commission will be retained on a pro rata basis. Also, our customer service charge and any additional products are completely non-refundable. However, if a claim has been made, the full premium will be charged.

Our optional additional products include: excess protection, Homecare Emergency, legal protection and key protection. Please check your documentation to confirm if you have included these products in your policy.

Yes, you can remove your optional additional products at any time. However, you will only receive a refund of premium for these covers in the first 14 days. After the first 14 days the optional additional products are non-refundable.

Our static caravan policy covers  up to £10,000 for the additional costs of resiting and delivery, complying with government or local authority requirements; architects, engineers, surveyors and other professional fees; and clearing debris, demolition, shoring or propping up necessary as a result of loss or damage.

Please note, it does not provide cover for the costs of complying with government or local authority requirements notified before the loss or damage occurred or professional fees charged for preparing any claim made under the policy.

A site which is registered with the local council to operate as a residential site and remains open for 52 weeks of the year.

If you do not live on a residential site, you will need to get a quote on our static caravan policy.

If you purchased your policy after August 2019, you can view, amend and purchase your renewal in your online portal under the ‘My Account’ section.

If your site has flooded previously, you will need to complete a quotation over the phone to provide the following information:

  • When did the site flood?
  • Have flood defences been implemented since the site flooded in your area?
  • Are there flood defences specific to your site?
  • Do you have a floatation device fitted to your caravan?
  • When the site flooded, did it affect your caravan?
  • What is the distance from any water source?
  • Did your previous insurer apply any terms to your policy due to flooding?

If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.

Read more FAQs

Policy Documents

These are just some of the key features and exclusions, full details will be found in your policy wording.

Policy wording

Insurance product information document

 

Caravan insurance articles and guides

10 Useful Static Caravan Accessories

We’ve put together a list of items that we think would be very useful to have in your static caravan.

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Buying a Static Caravan

Buying a used static caravan? Or looking at new models? We offer advice on why you should invest in a leisure home and how to buy a static caravan.

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How to Find the Value of A Static Caravan

A guide to finding the new for old or market value of your static caravan for insurance purposes.

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Most common static caravan claims

As an insurance company, we see lots of claims from our customers. We thought it may be helpful to share the most common types of claims.

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Preparing Your Static Caravan for the Season

You're ready to embrace the warmer weather, but it's important to check for any damage that may have been caused by harsh winter weather.

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Renting Out a Static Caravan

If you have a static caravan, you may want to rent it out for extra income. Read our guide to see if renting out your holiday lodge is right for you.

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Static Caravan Insurance Buyer's Guide

Our guide to why you should insure a static caravan, including caravan liability insurance and tips & advice on getting the best value caravan insurance.

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Winter Preparations for a Static Caravan

Winterise and drain down your static caravan for winter with help from our guide and prevent risks like frozen pipes, mildew and break in.

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What to consider when moving your static caravan

Find out what you need to take into consideration when moving your static caravan in this useful video guide from Towergate.

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Keeping your Static Caravan Safe After Lockdown

Static caravan maintenance is crucial. Learn more about Legionella and how to protect yours from pesky bacteria.

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