A guide to static caravan insurance

Static caravan insurance - a guide

  • Share on Facebook

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 investment. 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?

What is insured?

Static caravan insurance protects you against loss or damage to your caravan and its contents, typically it covers such things as fire, flood, storm, theft and subsidence. 

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 ownership team at your chosen holiday park.

How much does static caravan insurance cost?

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.

Payment options can be discussed with 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 anchors     

  • Certain 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

Offer details
T&Cs apply
No site fees until 2031 when you Let2offset. Terms apply.

Are there restrictions on cover?

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. You can call us on 0333 202 1460 or request a call back.

Important information

Let2offset - make no site fee payments until 2031

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 when using Let2offset until 2031’ 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 when using Let2offset until 2031” is applicable to new and existing customer purchases of new Atlas Sahara 3 Bed or equivalent or superior 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.  It is available across 40% of eligible Parks and applies when letting a new Atlas Sahara 3 Bed holiday home (or equivalent or superior grade for 15 weeks.

An example of how “Make no site fee payments when using Let2offset until 2031” operates under Let2offset is the purchase of an Atlas Sahara 3 Bed holiday home at Primrose Valley with a monthly site fee of £585.00 (includes purchasing discount of £45) and monthly letting income of £803.67. The monthly difference equates to £218.67, 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 2024 figures.

Modelled assumptions on expected annual site fee and letting income charges over the 7-year lettable life of the Atlas Sahara 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.

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.

Get the latest Haven exclusives!

Receive Haven news and offers to your inbox

By providing your email address, you are consenting to being updated on all things Haven! Manage preferences via your account or by clicking the update preferences link in our emails. Privacy policy