Award-winning insurance for Static Caravans, that allows you to build your perfect policy.
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Static caravan insurance
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Why choose Ripe for Static Caravan Insurance?
Ripe arranges Static Caravan Insurance with cover for the caravan and its contents, plus options for owners who rent out their holiday home or need temporary accommodation following insured damage. Cover can also include decking and verandas as part of the caravan’s overall value, alongside eligible underground services and debris removal costs.
Ripe is also backed by a UK-based customer service team and an ‘Excellent’ Trustpilot rating.
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Cover that looks after more than just the caravan
Decking and verandas are included within the overall value of your caravan, so the parts that make it feel like yours are protected too.
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Your belongings are protected at the caravan
Personal possessions can be covered whether they’re in your caravan or taken elsewhere, giving you peace of mind. *Terms apply.
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Only pay for the cover you need
We've unpacked caravan insurance, making it easy for you to choose your own policy, meaning you won't pay for any cover you don't need.
Static caravan insurance for your getaways
A static caravan is a place to slow down and enjoy time away, but being left empty for much of the year brings its own concerns. Risks like burglary, vandalism or theft feel more worrying when no one is around, and different building materials can leave them more exposed to storms, flooding or cold winter weather.
Static caravan insurance by Ripe can help you feel more at ease, whether you are enjoying a last-minute weekend away or leaving your caravan unattended during the off season. Whatever your thing, quiet escapes, family breaks or time spent by the coast, it is about supporting the place that makes those moments possible.
What does static caravan insurance cover?
Static caravan insurance by Ripe can cover theft of the contents of your caravan, or damage to your caravan and contents plus debris removal up to £10k. When selected, it can also cover Rental Cover.
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
For the full list of what's covered, please visit our Important Documents page.
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 climatic conditions, such as condensation
Damage caused by poor workmanship, design, or the use of faulty or unsuitable materials
Please read our Important Documents for more details on cover.
The biggest static caravan risks, according to our claims data
Ripe analysed 807 caravan claims and claim notifications reported between January 2025 and July 2026, providing insight into the incidents experienced by different types of caravan owners.
The analysis found:
15% of reported claims involved static caravans, making them the second-most-represented caravan type in the data after touring caravans.
Storm damage accounted for 2% of reported claims but was among the costliest claim types on average, particularly relevant in the case of static caravans that remain exposed to the elements throughout the year.
Winter produced the highest average recorded claim cost, highlighting the potential financial impact of incidents during the colder months, when holiday homes may be visited less frequently.
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.
What parts of a static caravan can be covered?
A static caravan can include more than the holiday home itself. Decking, contents and services connected to the caravan can all form part of the overall ownership experience.
Depending on the cover selected, static caravan insurance by Ripe can include:
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The static caravan structure
Cover for eligible damage to the structure caused by insured events such as accidental damage, fire, storm, flood, theft or malicious damage.
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Contents inside the caravan
Belongings kept inside the static caravan can be covered for eligible loss or damage, subject to the policy limits.
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Decking and verandas
They can be included in the overall value of the static caravan when arranging cover.
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Underground services
Cover is included for eligible damage to underground pipes, cables and other services connected to the static caravan.
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Debris removal and re-siting
Cover can help with eligible costs associated with clearing debris following insured damage, including re-siting and delivery where covered by the policy.
Where does Ripe arrange static caravan insurance in the UK?
Ripe arranges insurance for eligible holiday homes located across the UK, including England, Scotland and Wales. Cover is available for static caravans at eligible holiday parks in coastal, countryside and rural locations, subject to the policy terms and conditions.
Popular static caravan locations include:
South West England – including Cornwall and Devon, with holiday parks around destinations such as Newquay, Perranporth and Torbay.
Wales – including Pembrokeshire, the North Wales coast and holiday park locations around Eryri (Snowdonia).
Yorkshire – including static caravan parks around Scarborough, Filey and Whitby, as well as countryside locations across the region.
The Lake District and Cumbria – including holiday parks in lakeside and countryside locations across Cumbria.
Norfolk and Lincolnshire – including static caravan parks around popular east coast destinations such as Great Yarmouth and Skegness.
Scotland – including eligible static caravan and holiday park locations across coastal and countryside areas.
Static caravan insurance by Ripe is designed for holiday homes, not for caravans used as a permanent main residence. Eligibility and cover are subject to the policy terms and conditions.
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.
Static Caravan Insurance FAQs
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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.
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No, static caravan insurance arranged by Ripe is restricted to within the UK only.
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We can arrange insurance for static caravans that were manufactured/built in the last 20 years.
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Insurance through Ripe covers the person who takes out the policy, their domestic partner, and members of their family (or families) who permanently live 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.
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Static caravan insurance through Ripe cover includes debris removal and additional costs up to a maximum of £10,000, which consists of the following elements:
Re-siting and delivery (static caravans only) as a result of loss or damage covered by this policy
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 by this policy
Please ensure that you read the Important Documents for full details and get in touch if you have any questions.
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If you choose to add 'Temporary Accommodation cover' to your policy, you will be covered for reasonable costs of temporary accommodation following loss or damage to your holiday home.
If you are unable to stay in your holiday home due to it being uninhabitable, you can claim one of the following:
Hotel accommodation (excluding food and drink) up to £75 per day for up to 14 days
Hire costs of a replacement home up to £75 per day for up to 14 days
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Absolutely. We appreciate that your requirements may change over time, which is why we’ve made it easy to add or remove cover. Simply contact us, and we’ll make the changes you need, hassle-free.
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Yes, cover can continue while an eligible static caravan is unoccupied between visits.
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Yes, decking and verandas can form part of the overall insured value of the static caravan, subject to the policy terms and limits.
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Damage caused by an insured storm or other covered event may be included, subject to the policy terms, conditions and exclusions.
Refer your friends and get rewarded
If you choose to refer your friends to us, not only will we reward you with a £50 voucher of your choice, but your friends could make some great savings too!
