What you need to know
- To get cover for an onsite caravan, start by finding a regular caravan insurance policy.
- Let the insurer know you will not be driving your caravan around.
- Make sure you get extra contents cover for any valuables inside.
An onsite caravan stays in one place, rather than travelling around. This means that if your caravan is staying in a caravan park or in your backyard, then your insurance needs will be very different than if your caravan is constantly on the road.
In some ways, insurance for an onsite caravan is similar to home insurance in terms of what you’ll need to be covered for.
Some companies will offer cover tailored to onsite caravans. Others may just offer a generic caravan insurance policy where you’ll have to let them know that it’s not moving.
In either case, onsite caravan insurance should usually include cover for the following:
Moving caravan insurance treats the caravan like a combo of a car and home, so it covers for the sorts of things you’ll be seeing on the open road as well as the hazards of a stationary environment. A moving caravan will need liability cover in case it injures someone, lay-up cover (see below) if it’s going into storage and roadside assistance in case it breaks down.
Onsite caravan insurance (also known as static caravan insurance) looks at the caravan as more of a home than a car. This means you may need increased contents insurance to safeguard pricey stuff and landlord insurance if you rent it out. If you do move it, you will need to notify your insurer or risk voiding your insurance.
Caravans shouldn't be confused with motorhomes, which have an engine and can be driven without being towed. You can also compare motorhome cover with us.
It’s worth looking at some of the extras offered by different companies. Generally speaking, there are a few things you’ll want to keep in mind:
The excess you’ll need to pay depends on the level of cover you’ve selected. If you’ve opted for higher premiums, your excess will be lower than if you’ve opted for less expensive premiums. It depends on whether you feel more comfortable with higher ongoing expenses or the possibility of a big lump sum.
Insurance companies usually offer a couple of ways to make a claim. You can usually contact them by phone or through their website. You might need to send through supporting evidence to validate your claim. This can include receipts, warranty info, valuations and appraisals. Companies will generally want this info so they can make sure you aren’t subject to any of the exclusions mentioned earlier.
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