Static caravan insurance for your getaways
A static caravan is a permanent holiday base where you can relax and escape life's stresses. But risks like theft, storm damage, flooding, or third-party accidents can catch you off guard if you don’t have cover in place.
Specialist static caravan insurance through Ripe could help financially protect you if the worst happens, whether someone makes a claim against you for injury following an accident in your caravan, or a flood renders it uninhabitable.
Why choose Ripe for static caravan insurance?
Only pay for the cover you need
We believe in keeping insurance simple, so you only ever pay for what you need. You can customise your policy, so you don’t pay for unnecessary cover.
The Ripe guarantee
At Ripe, our ethos is all about making insurance simple. We arrange great cover and exceptional service at our best price.
Cover in an instant
Our quote and cover process is as quick and easy as possible, so you can get covered before your first trip to your static caravan.
What does static caravan insurance cover?
Static caravan insurance
- Theft of contents — up to £30k (single item limit of £1k)
- Damage to caravan and contents — accidental and malicious damage, up to £175k
- Underground services — up to £1.5k
- Debris removal — up to £10k
- Public Liability — up to £2m
- Hotel and caravan hire — up to two-weeks cover (excluding food and drink), for up to £75 per day
- Rental cover and loss of rent — up to £200 per week and £800 in total
- Personal possessions cover — up to £2k for sports equipment like bikes, surfboards or golf clubs (limit of £250 for bikes, and a maximum of £500 per item for other items)
- Wear and tear
- Loss or damage to property left out in the open
- Mildew damage
- Damage caused by moths, vermin or insects
- Damage caused by atmospheric or climactic conditions, such as condensation
- Damage caused by poor workmanship, design, or the use of faulty or unsuitable materials
Please read our insurance booklet for more details on cover.
Why should I consider static caravan insurance?
Most static caravan owners use their holiday home for just a few weeks each year. For the rest of the time, the caravan often stands empty, making it vulnerable to burglary, vandalism, and theft—especially if valuable items are left inside.
Beyond malicious damage, static caravans are also more exposed to the elements than brick-and-mortar homes, due to the alternative materials often used in their construction. Storms, floods, or cold winter snaps could potentially devastate your caravan.
Static caravan insurance can help reassure you, whether you’re enjoying a weekend getaway or leaving your static caravan unattended during the off-season.
How much does it cost to insure a static caravan?
The cost of your static caravan insurance policy depends on a few factors, such as:
- the age of your caravan
- the location of your chosen holiday park
- the value of your static caravan and its contents
- security measures in place, such as alarm systems
- your chosen level of cover
- your no claims bonus
You can get a free online quote today to discover the cost of insuring your static caravan through Ripe.
Important documents
If you already have insurance with Ripe, you’ll find your important documents for your policy in your Members area.
Static Caravan Insurance Booklet-
Can I insure my static caravan that I live in all year round?
Static caravan insurance through Ripe is designed for holiday homes only. This does not include residential park homes or holiday homes that are lived in all year round. If your static caravan, lodge, chalet or other park home is your permanent residence, unfortunately, we won’t be able to offer you insurance.
Can I insure a static caravan that is outside of the UK?
No, static caravan insurance arranged by Ripe is restricted to within the UK only.
What age of static caravan can you insure?
We can arrange insurance for static caravans that were manufactured/built in the last 20 years.
Are my family and friends covered to use my static caravan?
Insurance through Ripe covers the person who takes out the policy, their domestic partner and members of their family (or families) who are permanently living with them, and their foster children who live with them. If you allow friends and family outside of this group to use your static caravan, they will not be covered, unless you have included Rental Cover and Loss of Rent.
Am I covered if I hire out my static caravan?
As long as you select Rental Cover and Loss of Rent, your static caravan will be covered for loss, damage or theft while being rented to someone. This also provides cover for any loss of rent you might suffer whilst your static caravan is out of use as a result of the damage. Read the Rental Cover and Loss of Rent FAQ.
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