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Protect Your Static Caravan - Compare and Save in Just Minutes

Your static caravan is more than a structure, it's your retreat, a second home and memories are made there. Protecting your static caravan with the right insurance means that you can relax knowing you have protection against the unexpected. Whether your caravan is your little bolt hole on weekends, or a seasonal escape from home, Clarity Compare makes finding reasonably priced cover and reliable static cover easy.

In just a few clicks, we can help you compare some of the most trusted UK insurers and help you build a policy to suit your needs.

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  • Protection against theft, fire, flood, and accidental damage
  • Policies for both holiday and residential use
  • Compare leading providers in less than 5 minutes
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What is typically covered by Static Caravan Insurance?


A specialist caravan policy is intended to protect your investment against the risks associated with caravans. Policy may include:

Theft - Cover for loss if your caravan is stolen from a park or storage location.

Break-ins – Cover for loss or damage as a result of someone forcibly gaining access and taking your belongings.

Interior Damage – Cover for accidental damage to fixtures, fittings, or furnishings.

Exterior Damage – Covers for dents, scratches, and damage caused by the weather.

Public Liability – Protection in the financial sense of causing damage or injury to others.

Total Loss or Write-Off – If your caravan is a total loss or a write-off, you’ll get a replacement unit or settlement.

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What Might Not Be Covered?

As with any insurance, there are exclusions you need to be mindful of. Common exclusions are:


Negligence or Lack of Security – Such as windows left open or not using locks.

Damage to Awnings – If an awning is left up and exposed at times when not in use.

Unlisted Storage Sites – Theft from places that were not declared on your policy.

Unsecured Outdoor Items – Contents left outside the caravan.

Damage from Generators – Unless added explicitly to your policy.

Wear and Tear – The natural ageing of the caravan, maintenance failings or blemishes.

Infestations and Mould – Damage caused by pests, vermin or fungi.

Caravan Insurance Cover Options

Generally, when insuring your caravan, you will be given an option for two major types of cover:

Replacement-as-New Cover

  • If your caravan is stolen or written off, the insurer will provide you with a replacement unit.
  • Generally available for new caravans (typically less than 5 -15 years old).
  • The insured amount would need to be the cost of a brand-new caravan model.

Market Value Cover

  • Considers depreciation and overall condition
  • Pays out the current second-hand value when making a claim
  • Usually cheaper through older caravans or owners looking for lower premiums

Smart Ways to Save on Your Caravan Cover

Want to save even more on your caravan cover? Here are some tried-and-tested methods:

Choose a Smaller Model

Lower value, lower premiums.

Store securely

Storing at approved sites can give you a discount.

Boost Security

Wheel clamps, hitch locks, alarms, satellite trackers, etc.

Build a No Claims Bonus

If you don’t make a claim, you can earn a saving in the longer term.

Join a Caravan Club

Membership may qualify you for rates not available to the general public.

Take a Towing Course

If you have a touring caravan, showing you can tow safely can save you on your premiums.

Avoid Over-Insuring

Make sure you only add on extras that you know you will need.

Compare Quotes

Clarity Compare can help find a bargain in no time.

Testimonials

What Our Customers Say

"Clarity Compare made the entire process so easy! I found great car insurance in minutes and saved over £200 compared to my renewal quote."

Lucy H.

"I wasn’t sure where to start with life insurance, but their platform and expert advice gave me clarity and confidence. Highly recommended!"

Mark J.

"I loved how simple and quick it was to compare travel insurance. I found a perfect deal and felt fully covered for my trip."

Ayesha K.

"Their customer support is top-notch. I had questions about home insurance, and the team guided me without any pressure. Fantastic service!"

Tom R.

"The best part was how transparent everything felt. No hidden fees or confusion—just honest comparisons and great value."

Natalie W.

Frequently Asked Questions About Caravan Insurance

 

1. Do I need static caravan insurance?

Ultimately, static caravan insurance is not a legal requirement, but many holiday parks will insist you have insurance in place. In addition to insurance being a requirement, you want to protect yourself against theft, fire, storm damage and any other risks, and ensure your own peace of mind.

Yes, you would need a specialist residential caravan policy rather than a standard holiday policy.

Most caravan insurance policies will provide cover for personal belongings, but limits will apply. Add optional extra protections as you see fit. 

Prices for static caravan insurance will differ based upon value, location, security and the level of protection you require. Clarity Compare will help you save time and find the best deal on your static caravan insurance.

Yes, but be sure to consider any cancellation fees. Always double-check terms before making any changes to your policy and compare quotes to check you are making a saving.