How to Choose the Right Static Caravan Insurance How to Choose the Right Static Caravan Insurance

How to Choose the Right Static Caravan Insurance

Choosing the right holiday home policy can be overwhelming, but it needn’t be! In this guide, we’ll walk you through the important factors to consider when selecting a static caravan insurance policy for your static caravan at Hawthorns Park. This includes the importance of customer support and the different types of static caravan insurance on the market today. With this information, you’ll be equipped to make an informed decision and find the best policy for your needs.

Having adequate static caravan insurance is a requirement of your Site Licence Agreement and an essential part of holiday home ownership.

Understanding your coverage needs

Before you begin your search for static caravan insurance, you need to assess your caravan and note down issues that you think the insurance should cover. When evaluating the value of your static caravan, it’s important to consider factors such as the condition of the caravan, it’s age, and any upgrades or renovations that have been made.

Identifying potential risks and hazards is crucial in determining the level of insurance coverage needed to adequately protect your home-away-from-home. Some common risks to consider include theft, damage from severe weather or natural disasters, and accidents that may occur while using the caravan. By evaluating these factors carefully, you can make an informed decision when selecting static caravan insurance.

Types of static caravan insurance

It’s important to consider your options and choose the best type of insurance for your specific needs.

Sum insured

When purchasing an insurance policy, it’s important to understand what the ‘sum insured’ means. ‘Sum insured’ refers to the maximum amount that the insurer will pay out in the event of a claim. For example, if your caravan is insured for £60,000 and there is a small fire that is estimated to cost £800 to repair, the insurer will cover that amount minus any excess. However, if the damage is so severe that your caravan is considered to be a total write-off, you will only receive up to £60,000. It’s essential to ensure that your sum insured accurately reflects the value of your caravan or possessions to avoid being underinsured in the event of a claim.

Market value coverage

Market value coverage for static holiday home owners typically means that the insurance policy will cover the caravan’s current market value at the time of loss or damage. This can vary depending on the policy and insurance provider, so reviewing the terms and conditions carefully is important.


New for Old insurance can be smart if you own a new and expensive static caravan. With this type of coverage, you can rest assured that if your holiday home is ever damaged beyond repair, you’ll receive enough compensation to buy a new equivalent. It’s important to weigh the cost of this coverage against the potential benefits, but for those with valuable static homes, it can provide peace of mind. 

Coverage inclusions and exclusions

When choosing insurance for your static caravan, carefully review the terms and conditions to ensure it covers all your needs. Consider additional costs for specialised coverage, such as theft and fire protection. Comparing policies can help you find the best insurance for your specific needs and be sure to check for any important exclusions that might be a deal breaker for you.

When reviewing the T&Cs, it’s important also to examine policies for information on cancellations and refunds.

Claim process and customer support

It’s important to ensure your static caravan insurance company has clear and accessible communication channels. Ideally, customer support should be available 24/7 through phone, email, and online chat. They should have knowledgeable representatives available to assist you with any questions or concerns you may have at all times.

A helpful insurance company will guide you through the claims process and provide timely updates on the status of your claim. This level of customer service is essential for building trust in your insurance provider, and it can make all the difference when you’re dealing with a stressful caravan-related issue.

Customer feedback and satisfaction

When considering purchasing static holiday caravan insurance, it’s crucial to take into account customer feedback and satisfaction. This will give you a better understanding of any potential issues or concerns that you may not have considered. By reviewing the experiences of others, you can make an informed decision and have peace of mind knowing that you have chosen the right insurance policy. So, before making a final decision, take the time to read customer reviews on a trusted third party site and ensure that you are making the best choice for your needs. Trustpilot is an excellent starting point.

Does Hawthorns Caravan Park offer insurance for their static holiday homes in Lancashire?

At Hawthorns Caravan Park, we take the safety of your caravan seriously and we understand that accidents can happen. That’s why we offer an insurance policy run by Compass that provides comprehensive coverage for you. With our insurance, you can have peace of mind knowing that your caravan is protected against a range of risks. 

This means that we can:

Here is a summary of what our specialist insurance can cover for your static caravan on-site:

If you require additional information, please don’t hesitate to contact us. Our knowledgeable staff will be happy to assist you with any questions or concerns you may have.

*During winter months with a reduced excess provided a park-approved drain-down and reconnection service is used.

Looking for static caravans for sale in the South Lakes?

bowland view

Discover the wonders of Hawthorns Park – a multi-award winning caravan site near Cumbria. Our latest addition, Bowland View, offers luxury static caravans for sale in Lancashire with breath-taking views of the Northwest countryside. Enjoy our extensive amenities, including tranquil woodland areas perfect for leisurely walks and 9-hole putting greens for some friendly competition.

Book a viewing today and let our expert team guide you through the process of holiday home ownership in Lancashire.

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