Ripe Insurance Logo

Ripe Static Caravan Insurance Frequently Asked Questions

Find the frequently asked questions around Ripe static caravan insurance below. If you are looking to get in touch, please visit our product support centre.

Cover options & policy changes

  • New for old: This is for any caravan up to 10 years old. This cover will pay for a replacement caravan in the event of a total loss claim as new, with the same Make/Model. If this is no longer available, it will be replaced with one of equal specification, features & functions.

    Once the caravan reaches 10 years old it no longer qualifies for New for Old cover and will be reduced to Market Value cover.

    Note: You must ensure the figure you insure for is an accurate reflection of the cost to replace your caravan & its equipment at the time of inception & renewal of your policy. And keep us informed of any changes to this throughout the term of the insurance policy.

    Market Value: The current market value for your caravan, equipment or contents, taking into account age, type and condition at the time of the loss.

  • Yes, our policies are very flexible, allowing you to change/adjust your policy at any time throughout the policy term.

    Please note: Admin fees apply to all mid-term policy changes as per our Terms of Business.

Cover, damage & exclusions

  • Yes, you are covered for storm or flood damage.

    Please note: our policies do not cover:

    • Loss or damage to property left in the open

    • Loss or damage to hedges, gates, fences, fixed hot tubs or toilet tents

    • Loss or damage caused by frost

    • Loss or damage caused gradually

  • No, damage caused by vermin is not covered.

  • Yes, we will cover you up to £10,000 for the additional costs of:

    • Re-siting and delivery as a result of loss or damage covered under the policy (applies for static caravans only)

    • Complying with government or local authority requirements

    • Architects, engineers, surveyors and other professional fees

    • Clearing debris, demolition, shoring or propping up as necessary as a result of loss or damage covered under the policy.

  • Yes, as long as you include the value of the decking in the total sum insured, your decking is covered.

Location & occupancy

  • Unfortunately, no. Our policies only cover caravans & holiday homes that are in the UK.

  • No, our policies are designed for holiday homes, not permanent residences.

    However, if you have a park home, you can get a quote here: www.ripeinsurance.co.uk/park-homes 

Letting & other users

  • Rental cover is not included as standard however we do have an option for you to add rental cover. This extends the cover to your guests so during their stay you are covered for Loss, Damage or Theft, including Loss of rent cover for any loss you may suffer as a result of any damage.

  • The insurance covers the policyholder, spouse/domestic partner & any members of your family who you permanently live with. If you wish to lend the caravan/lodge/chalet to someone who you don’t permanently live with, you can add rental cover/loss of rent to give you this option.