Static caravan insurance - a guide
Imagine having your own personal home away from home. It isn’t difficult to see the appeal of owning your own place, but a static caravan can represent a significant financial purchase. So, it’s only natural that you may want to protect your property with insurance.
If you’re the owner of a permanently sited static caravan (one with plumbing and a permanent electrical link up), you can get insurance similar to regular home insurance. This static insurance guide will lay out all you need to know when it comes to protecting your holiday home.
What is insured?
Static caravan insurance protects you against a range of scenarios related to your caravan.
Here's what's insured:
Loss or damage to the structure of your caravan (including any veranda, fixed storage units where the specification has been agreed by local park management, built-in equipment, fixtures, fittings, furnishings and utensils supplied with the caravan at the time of purchase)
Loss of any rent due to you if your caravan can’t be lived in following insured damage – up to £400 per week (£1,200 overall)
Accidental damage to fixed glass and sanitary fittings
Replacement of external door locks if keys are lost or stolen – up to £250
Public liability up to £5,000,000 if you’re held legally liable (as the owner or occupier) for injury to a third party or damage to their property
Accidental damage to any service cables and underground pipes that you are legally responsible for
Optional cover
Contents cover – loss or damage to your contents
Our Bourne Leisure Caravan and Lodges arranged insurance provided by Aviva offers reassurance and cover for various scenarios. For full details, speak to a member of our caravan experience team at your chosen holiday park.
How much does static caravan insurance cost?
The price of your static caravan insurance will vary depending on factors such as the market value of your caravan, its age and extras such as decking, veranda and contents. At Haven, our caravan insurance is based on size.
Here's how you can pay:
Online via the Owners website
Via a direct debit created by our team on park
By calling Bourne Leisure Owner Services on 0333 202 5300
Here’s the list of things that are not covered by our Haven insurance plan:
Sheds and similar structures that don’t form an integral part of your caravan
Damage from wear and tear, electrical and mechanical breakdown, or gradual deterioration
Wet or dry rot
Storm damage to fences, gates, hedges, awnings or toilet tents
Loss or damage if your caravan is overturned by storm or flood – unless it was fixed to
the ground at all four corners of the chassis by suitable anchorsCertain losses or damage (eg, theft or malicious damage) caused by you
Motorised vehicles, aircraft or watercraft
Optional cover:
Theft of contents in the open
Loss or damage caused by you
Ownership offers
Are there restrictions on cover?
In addition to what is not covered listed above, there are also certain limitations that may apply to your policy, for example:
The excess. This is the amount you must contribute or will be deducted from your settlement in the event that you should make a claim
Monetary limits for certain covers
Clauses that exclude certain types of loss or damage. For example: we won’t cover loss or damage from any escape of water if your caravan is not in use from 31 October to 1 March – unless the main stop cock has been turned off
Optional cover:
We’ll cover against theft if the caravan has been broken into or out of, or entry has been forced
When does the cover start and end?
Our Haven policy runs from the dates shown on your certificate until 30th April, then for 12 months thereafter unless you cancel the policy.
What if I want to cancel my insurance with Haven?
As per your rights as a consumer, you can cancel your policy within 14 days of purchase or renewal (or from the day you receive your policy or renewal documents, if this is later). However, if you do choose to cancel your Bourne Leisure Caravan and Lodges arranged Insurance, you must provide us with proof of alternative insurance. If the insurance has already started when you cancel then we’ll simply reduce your refund to pay for the time you were covered.
To cancel your policy, contact Bourne Leisure Owner Services on 0333 202 5300.
You’re free to cancel your policy at any time during your period of cover, but you won’t have any regrets in choosing us as your insurance provider!
If you have questions about static caravan sales or you are looking for one for sale please don't hesitate to contact us. Call us, chat to us online or book a park visit, we'd love to hear from you.
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Static caravan finance: a guide
Common pitfalls to avoid when buying a static caravan
Important information
Terms and conditions
Let2offset - make no site fee payments until 2032
Let2offset is a contractual lettings product that offers eligible owners a guaranteed letting income at a preferential rate (calculated each year) in exchange for a stipulated number of letting breaks. It also allows eligible owners to pay their site fees and receive their letting income in 12 equal monthly instalments; the monthly site fee amount charged by Haven will be after deduction of the letting income.
‘Make no site fee payments until 2032 when using Let2offset’ is available at 33 Haven parks excluding Burnham, Cardigan View, Far Grange, Garreg Wen, Lydstep Beach, Riviere Sands and Seaview. The letting income received will vary by make, model and location. The monthly site fee payment does not include running costs e.g. utilities, rates & insurance.
“Make no site fee payments until 2032 when using Let2offset” is applicable to new and existing customer purchases of new Victory Ashberry 3 Bed or equivalent grade holiday home purchases made through Haven where customers have also signed up to Haven’s Let2offset contract. It is not applicable to private sales and cannot be used in conjunction with our free Site Fee promotion. An example of how “Make no site fee payments until 2032 when using Let2offset” operates under Let2offset is the purchase of a Victory Ashberry 3 Bed holiday home at Seton Sands with a monthly site fee of £667.08 (includes purchasing discount of £17.08) and monthly letting income of £673.17. The monthly difference equates to £23.17, which will be credited to the owner's account. Both letting income and site fees are subject to yearly pricing reviews and inflation. The monthly site fee costs and letting income shown in the example are based on 2025 figures. Modelled assumptions on expected annual site fee and letting income charges over the 7-year lettable life of the Victory Ashberry 3 Bed indicate that under Let2offset it is anticipated that these customers will continue to receive a monthly credit during this period, however, this is not guaranteed. The modelled assumptions are based on the historical performance of Haven over the past 5 years of trading as of 2024. Images are shown for representational purposes. Access to holiday home is subject to park opening times. Park cannot be used as a permanent residence. Haven Leisure Ltd is registered in England (No. 01968698) and is a FCA appointed representative of Bourne Leisure Limited (t/a Haven). Bourne Leisure Ltd is registered in England (No. 04011660) and is authorised and regulated by the FCA (Financial Services Register No. 312847) as a credit broker and insurance distributor. Registered office: One Park Lane, Hemel Hempstead, Hertfordshire, HP2 4YL.
Terms and conditions
Brand new holiday homes from £268 per month - UPDATED 2 December 2025
Offer is applicable to new customer purchases made through Haven.
Representative finance example. Holiday home cash price £29,995, less deposit of £8,998.50, gives a loan amount of £20,996.50. 120 monthly payments of £268.34. Total charge for credit £11,191.13. Total amount payable £41,186.13 which includes the deposit amount. The interest rate is 5.33% fixed / 9.6% APR (representative).
Offer available at the following parks: Blue Dolphin, Church Farm, Cleethorpes Beach, Combe Haven, Craig Tara, Doniford Bay, Far Grange, Golden Sands, Hafan Y Mor, Haggerston Castle, Lakeland, Littlesea, Marton Mere, Quay West, Presthaven, Primrose Valley, Reighton Sands, Rockley Park, Skegness, The Orchards, Thornwick Bay, Wild Duck and Weymouth Bay. Price can be withdrawn at any time.
Price excludes 2025 site fee, running costs and add-ons requested at point of sale. Subject to status & availability. Bourne Leisure Limited, Company registration no 040 660, whose registered office address is 1 Park Lane, Hemel Hempstead, Hertfordshire HP2 4YL. Bourne Leisure is a credit broker and not a lender.
New holiday homes from £29,995 – UPDATED 2 December 2025
*Holiday home price is based on a new 2 or 3-bedroom Willerby Ellerton holiday home and includes siting, connections and standard accessories.
Price excludes 2025 site fees, running costs and add-ons requested at point of sale. Subject to status and availability.
As at 2 December 2025, price is available at Blue Dolphin, Church Farm, Cleethorpes Beach, Combe Haven, Craig Tara, Doniford Bay, Far Grange, Golden Sands, Hafan Y Mor, Haggerston Castle, Littlesea, Quay West, Presthaven, Primrose Valley, Reighton Sands, Skegness, The Orchards, Thornwick Bay, Wild Duck and Weymouth Bay. Price can be withdrawn at any time.
Images are shown for representational purposes. Access to holiday home is subject to park opening times.
Pre-owned holiday homes from £14,995 – UPDATED 29 September 2025
*Holiday home price is based on a pre-owned holiday home and includes siting,connections and standard accessories.
Price excludes 2025 site fees, running costs and add-ons requested at point of sale. Subject to status and availability.
As at 29 September 2025, price is available at Blue Dolphin, Church Farm, Cleethorpes Beach, Combe Haven, Craig Tara, Doniford Bay, Far Grange, Golden Sands, Hafan Y Mor, Haggerston Castle, Lakeland, Littlesea, Marton Mere, Quay West, Presthaven, Primrose Valley, Reighton Sands, Rockley Park, Skegness, The Orchards, Thornwick Bay, Wild Duck and Weymouth Bay. Price can be withdrawn at any time.
Images are shown for representational purposes. Access to holiday home is subject to park opening times.
Park cannot be used as a permanent residence. Haven Leisure Ltd is registered in England (No. 01968698) and is a FCA appointed representative of Bourne Leisure Limited (t/a Haven). Bourne Leisure Ltd is registered in England (No. 04011660) and is authorised and regulated by the FCA (Financial Services Register No. 312847) as a credit broker and insurance distributor. Registered office: One Park Lane, Hemel Hempstead, Hertfordshire, HP2 4YL.
Pre-owned holiday homes from £19,995 – UPDATED 29 September 2025
*Holiday home price is based on a pre-owned holiday home and includes siting, connections and standard accessories.
Price excludes 2025 site fees, running costs and add-ons requested at point of sale. Subject to status and availability.
As at 29 September 2025, price is available at Kent Coast, Burnham-On-Sea, Berwick, Caister-on-Sea, Cala Gran, Cardigan View, Devon Cliffs, Greenacres, Hopton, Perran Sands and Seton Sands. Price can be withdrawn at any time.
Images are shown for representational purposes. Access to holiday home is subject to park opening times.
Park cannot be used as a permanent residence. Haven Leisure Ltd is registered in England (No. 01968698) and is a FCA appointed representative of Bourne Leisure Limited (t/a Haven). Bourne Leisure Ltd is registered in England (No. 04011660) and is authorised and regulated by the FCA (Financial Services Register No. 312847) as a credit broker and insurance distributor. Registered office: One Park Lane, Hemel Hempstead, Hertfordshire, HP2 4YL.
New holiday homes from £34,995 – UPDATED 29 September 2025
*Holiday home price is based on a pre-owned holiday home and includes siting, connections and standard accessories.
Price excludes 2025 site fees, running costs and add-ons requested at point of sale. Subject to status and availability.
As at 29 September 2025, price is available at Kent Coast, Burnham-On-Sea, Berwick, Caister-on-Sea, Cala Gran, Cardigan View, Devon Cliffs, Greenacres, Hopton, Perran Sands and Seton Sands. Price can be withdrawn at any time.
Images are shown for representational purposes. Access to holiday home is subject to park opening times.
Park cannot be used as a permanent residence. Haven Leisure Ltd is registered in England (No. 01968698) and is a FCA appointed representative of Bourne Leisure Limited (t/a Haven). Bourne Leisure Ltd is registered in England (No. 04011660) and is authorised and regulated by the FCA (Financial Services Register No. 312847) as a credit broker and insurance distributor. Registered office: One Park Lane, Hemel Hempstead, Hertfordshire, HP2 4YL.
Move your caravan to Haven for free - full terms and conditions
This offer is available for holiday home owners not located at a Haven park and that want to relocate their holiday home from their current holiday park a Haven holiday park, subject to pitch availability and the satisfactory completion of our standard onboarding checks. It cannot be used in conjunction with any other offer, discount or promotion, apart from the free 2026 site fee promotion if applicable to the Haven park. Haven reserves the right to withdraw this offer at any time without notice.
In order to be eligible to participate in the offer, your holiday home must be situated within a 50-mile radius of the Haven park that you wish to relocate to. The holiday home must be no more than 15 years old from the date of manufacture and if it has been purchased under a finance agreement, the holiday homeowner must provide confirmation from their lender that the holiday home can be moved to the Haven park.
Haven will transport your holiday home from the entrance of its current holiday park location to the required Haven park and will reimburse your transportation costs up-to a maximum value of £750; any excess must be paid by the holiday homeowner. Haven does not accept any responsibility for any damage that happens to the interior of your holiday home whilst it is being transported to one of our holiday parks. We recommend your holiday home is fully packed down and ready for transportation. Transportation does not include decking. Any decking bought onto a Haven park must be approved by the General Manager of that park to ensure it meets Haven standards. Siting and connection costs for your holiday home on a Haven park will be paid for by Haven. Offer excludes payment of holiday home disconnection at your current park and transportation costs from its current pitch to the entrance of its current park.
Subject to availability and status. Deposit required. Offer cannot be combined with any other offer, discount, or promotion. Access to your holiday home is subject to park opening times. Images are shown for representational purposes. Park cannot be used as a permanent residence.
Haven Leisure Ltd is registered in England (No. 01968698) and is a FCA appointed representative of Bourne Leisure Limited (t/a Haven). Bourne Leisure Ltd is registered in England (No. 04011660) and is authorised and regulated by the FCA (Financial Services Register No. 312847) as a credit broker and insurance distributor. Registered office: One Park Lane, Hemel Hempstead, Hertfordshire, HP2 4YL.