Static Caravan Insurance

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 the site is residential, you can get a quote on our park home policy.
• If it is not, please complete a quotation on our static caravan policy.

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.