Holiday Home Insurance 

Owners of static caravans holiday homes must consider insurance to cover the caravan as well as the contents. Such insurance works in a similar way to normal building and contents insurance for a traditional home. 

Insurance can be taken is three levels. 

1. Insurance for the static caravan
2. Insurance for general contents
3. Insurance for specific equipment 

The policy can be taken out on a new for old basis, if this is the case some insurance companies will replace the static caravan if it is under 20 years old. The age under which new for old applies will vary from policy to policy. Some companies will offer new for old for caravans less than 10 years old. It is worth checking with the insurance company to determine their exact terms of policy.

Example of cover: 

• Replace new for old
• Alternative accommodation costs
• Debris removal and resiting costs
• Fixtures and fittings
• Public Liability
• Fatal Accident

Also consider the excess that is applied to the site.