Insurance

Caravan Insurance

Caravan insurance protects the biggest purchase many families make after the house — but only if the cover actually matches the home, its value and how you use it.

Here is what to look for, what to compare and how to avoid costly gaps.

By the team at Best Caravan Parks · Updated August 2026

Guide

Best Caravan Insurance UK

How to choose cover for statics, lodges and tourers — and how to save without cutting cover.

Holiday Home Ownership Costs

The full annual cost picture, including insurance.

How Much Does a Static Caravan Cost?

Prices and running costs so you can insure for the right value.

The cover to look for

A good policy covers what can actually go wrong: storm and flood, fire, theft and vandalism on park, accidental damage, and public liability. For statics, confirm the value basis (new-for-old in early years), contents and decking. For tourers, check on-site and off-site theft cover and transit/storage use.

How to compare properly

Never compare on price alone. Compare the value basis, the excess, the perils covered, and the exclusions. A cheap policy that doesn’t cover storm damage is not cheap at all. Get at least three quotes and read the wording.

Before you pay a deposit

Before you buy a caravan or lodge — and before you pay a deposit — speak to an independent expert.

£150 spent on independent advice before you commit could save you thousands later — or stop you making the wrong purchase completely.

Get Independent Advice Before You Pay a Deposit — £150

Private 45–60 minute video consultation with a retired caravan-industry expert with 30 years’ experience.

Frequently asked questions

Do parks require insurance?+

Yes — your park licence almost always requires you to hold caravan insurance. Confirm the minimum cover required in writing.

Is a static caravan covered on home insurance?+

No. A static caravan outside your home is not covered by standard home insurance; you need a dedicated caravan policy.

What is new-for-old cover?+

It replaces your caravan with a new equivalent if it’s written off, usually during the first few years. After that, policies typically pay market or agreed value.

Confused by policy wording?

Independent advice can make sure you’re covered for what matters with your home.

Book My Consultation — £150

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