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
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 buying a holiday home, 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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Important information
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 for 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 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. We may receive commission from the finance provider if you enter into an agreement with them. Site fees from as little as £130 a month with Let2offset at Burnham-on-Sea 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. ‘Site fees from as little as £130 a month with Let2offset’ is available at Burnham-on-Sea. 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. Offer is subject to availability. “Site fees from as little as £130 a month with Let2offset” is applicable to new customer purchases of new Victory Ashberry 3 Bed or equivalent or superior gradeholiday 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 “Site fees from as little as £130 a month with Let2offset” operates under Let2offset is the purchase of a Victory Ashberry 3 Bed holiday home at Burnham-on-Sea with a monthly site fee of £783.75 (includes purchasing discount of £19.58) and monthly letting income of £634.00. The monthly difference equates to £130.17 which will be billed to the owner's account monthly; to meet the site fee payment of £130 per month, an additional credit of £0.17 per month will be applied to the owner’s account. Both letting income and site fees are subject to yearly pricing reviews and 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. We may receive commission from the finance provider if you enter into an agreement with them. Site fees from as little as £160 a month with Let2offset at Lydstep Beach 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. “Site fees from as little as £160 a month with Let2offset” is available at Lydstep Beach. 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. Offer is subject to availability. "Site fees from as little as £160 a month with Let2offset” is applicable to new 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 “Site fees from as little as £160 a month with Let2offset” operates under Let2offset is the purchase of a Victory Ashberry 3 Bed holiday home at Lydstep Beach with a monthly site fee of £939.58 (includes purchasing discount of £28.83) and monthly letting income of £751.17. The monthly difference equates to £159.58 which will be billed to the owner's account monthly. Both letting income and site fees are subject to yearly pricing reviews and 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. We may receive commission from the finance provider if you enter into an agreement with them.