Holiday Home & Static Caravan Insurance

Do You Really Need Caravan Insurance?

Do You Really Need Caravan Insurance?

Owning a static caravan or holiday home is a big investment, and while insurance is not a legal requirement in the UK, most holiday parks will expect you to have it. Insurance is not just a box-ticking exercise, it is about protecting your holiday lifestyle, your family, and your finances from unexpected costs.

Who Should Consider Insurance?

• First-time owners: Insurance ensures your new holiday home is protected from day one.
• Owners renting out: If you let your caravan, liability cover is vital to protect you from guest-related claims.
• Retired buyers: Many choose insurance for peace of mind, knowing repairs and replacements will not impact fixed budgets.
• Families: Accidents happen, from storm damage to broken windows and insurance keeps you covered.

What Can Happen Without Insurance?

Static caravans face the same risks as a traditional home, but without cover, repair bills can be costly. For example:

• Storm damage: Roof and panel repairs can run into thousands of pounds.
• Water leaks: Plumbing or drain-down issues may damage floors and fittings.
• Theft or break-ins: Replacing stolen items and repairing damage adds up quickly.

What Affects the Cost of Caravan Insurance?

Like all insurance, several factors influence the price of your premium:

• Location: Parks in flood-prone or high-risk areas may increase premiums.
• Security: Alarms, secure locks, and park security can reduce costs.
• Caravan details: Age, make, model, number of bedrooms, and fittings like double glazing or central heating all play a part.

Getting Covered with Ideal Caravans

At Ideal Caravans, we work with Compass Insurance to provide competitive holiday home cover tailored to your needs. Even if you did not purchase your caravan from us, we can still help you arrange a policy and offer support when making a claim.

Details We Need

Please provide the following details when requesting a quotation:

• Manufacturer make, model, and year of manufacture
• Dimensions and number of bedrooms
• Specifications (e.g. double glazing, central heating)
• The holiday park where it is located (if applicable)

You need not have bought your static caravan or holiday home from Ideal Caravans to request an insurance quotation.

Regulatory Information

Ideal Caravan Sales Ltd is an Appointed Representative of Bspoke Lifestyle Ltd and is authorised and regulated by the Financial Conduct Authority, FRN number 408410. Compass Insurance is a trading name of Bspoke Lifestyle Ltd, registered in England and Wales under Company Number: 11429456 at Registered address: 7 Pullman Court, Great Western Road, Gloucester GL1 3ND. Bspoke Lifestyle Ltd is authorised and regulated by the Financial Conduct Authority, FRN Number: 820727.

Payments

Ideal Caravans accept all major debit and credit cards. Please note a charge may be applied if using a credit card.

Contact Our Insurance Team