Running costs
Static caravan insurance: what it costs and what to check.
After the site fee, insurance is the bill most owners pay every year without shopping around. Haven puts holiday home insurance at £217 to £495 a year in its own figures. What you actually pay depends on the caravan, the park and the cover, and the difference between the park's policy and an outside one can be worth checking.
How much is static caravan insurance?
The clearest published figure comes from Haven, which quotes holiday home insurance at £217 to £495 a year alongside its site fees, based on costs at Golden Sands, Lincolnshire in January 2026 (Haven buyer's guide, checked 23 September 2026). That is one operator's illustration, not a market rate.
The things that move a premium most are:
- What the caravan is worth. A new holiday home costs more to insure than a ten year old one, especially on new-for-old cover.
- Where the park is. Coastal parks and parks near rivers carry more storm and flood risk.
- The type of cover. New-for-old replaces the caravan with a new equivalent; market value pays what it was worth on the day. New-for-old is usually only offered on younger caravans.
- Subletting. If you let the caravan out, tell the insurer. Standard policies often exclude paying guests.
- The excess. A higher excess lowers the premium, but check it is an amount you could actually pay after a winter claim.
Of the site fees we hold, 6 include insurance in the fee itself. If yours does, check what the park's policy covers before you buy a second one.
How to get cheaper static caravan insurance
- Get an outside quote before renewing the park's policy. It is the quickest way to know whether the park's price is fair.
- Choose the right cover type. Market-value cover usually costs less than new-for-old on an older caravan, because new-for-old would pay out for a brand new replacement.
- Check the sum insured. Insuring the caravan for more than it is worth raises the premium without raising what a market-value policy would pay.
- Look at the excess. A higher voluntary excess lowers the premium, as long as you could afford it after a claim.
- Mention security. Alarms, locks and a park with manned security can all help.
- Pay annually if you can. Paying monthly often costs more over the year.
- Do not drop cover you need. A cheap policy that refuses a winter frost claim is not cheap. Check the conditions first.
Do you have to have it?
No law requires it, but most park agreements do, usually including public liability cover for as long as the caravan stays on the pitch. Your agreement will say what cover you need and whether the park wants to see the certificate each year.
If the park wants you to use its insurance
Many parks offer their own policy, and it can be convenient. It is not always the cheapest. Before you buy a caravan, ask to see the insurance clause in the agreement in writing, and find out whether the park charges anything to accept an outside policy. Then get at least one outside quote, so you know what the park's policy is costing you.
What to check before you buy a policy
- Winter conditions. Frost and escape-of-water claims are commonly refused if you did not drain down when the park closed. Read the conditions and diarise them.
- Unoccupied periods. Some policies limit theft or damage cover when the caravan is empty for long stretches.
- Public liability level. Match it to what your park agreement asks for.
- Loss of use and site fees. Some policies refund site fees or pay towards a holiday elsewhere if the caravan cannot be used after a claim.
- Removal and site clearance. After a fire or flood, taking the old caravan away costs money. Check whether that is covered.
- Contents and extras. Decking, steps, sheds and gas bottles are sometimes covered separately or not at all.
Where to get quotes
Comparison sites cover several insurers at once. Specialist caravan insurers are not always on them, so it is worth trying one or two directly as well. These are listed alphabetically, not ranked.
Comparison sites
Specialist caravan insurers
- Everywhen (formerly Towergate)
- Intasure
- Leisuredays
- Lifesure
- NACO
- Shield Total Insurance
- The Insurance Emporium
Insurance is one part of the yearly cost
Add the site fee, metered gas and electricity, and rates and water where the park bills them separately, and the total is what ownership really costs each year. The cost of ownership calculator works it out over the years you would own the caravan, including when a park age limit would make you replace it.
Common questions
How much is static caravan insurance?
Haven quotes holiday home insurance at £217 to £495 a year in its own running-cost figures, based on costs at Golden Sands, Lincolnshire in January 2026. Your premium depends mostly on what the caravan is worth, where the park is (coastal and flood-risk parks cost more), whether you want new-for-old or market-value cover, and whether you sublet it.
Do I have to insure a static caravan?
There is no law that says you must, but most park agreements require you to hold insurance, including public liability cover, for as long as the caravan is on the pitch. Check your agreement for the exact requirement and the minimum liability cover the park asks for.
Can my park make me use its own insurance?
It depends on your agreement. Many parks offer their own policy and some make it hard to go elsewhere, for example by charging to check an outside policy. Ask to see the insurance clause in writing before you buy the caravan, and get a quote from outside the park so you know what the park policy is costing you.
Does static caravan insurance cover frost damage?
Usually, but often only if you follow the policy conditions over winter, such as draining down the water system when the park closes. Frost and escape-of-water claims are commonly refused when the conditions were not met, so read that section before the season ends.