Static Caravan Insurance

Protect your happy place with our static caravan insurance policy

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Static Caravan Insurance from Compass

Compass has specialised in static caravan insurance for over 40 years, so we know a thing or two when it comes to protecting your happy place.

We insure thousands of satisfied static caravan owners across the UK and as experts in the static caravan insurance market, our policy includes important covers that you won’t always find elsewhere.

Our prices are super-competitive too! So, if you’re looking for the best cover at the right price, we’re here to show you the way!

See what our static caravan insurance customers think of us and read all of our 5 star reviews on Feefo.

The Compass static caravan insurance policy includes a wide number of features and benefits, including:

  • Cover for loss or damage to your Caravan for a wide range of causes including fire, flood, storm and accidental damage
  • Costs towards the removal of a damaged holiday home and the siting and connection of a replacement
  • Costs for alternative accommodation if your holiday home becomes uninhabitable
  • £5 million Public Liability cover
  • Accidental damage caused by pets, vermin and insects
  • Ability to spread payments over 10 months
  • 24/7/365 claims response
  • Lowest excess in the market*
  • Frost damage and escape of water during the winter months with reduced excess**

*as of 1 May, 2021
**providing a park approved drain down and reconnection service is used 

Request a call back

You can reach our friendly team on 0344 274 0277 to discuss your static caravan insurance. Alternatively, why not fill in this form and we’ll give you a call back.

Frost damage and escape of water during the winter months with reduced excess**

Costs towards the removal of a damaged holiday home and the siting and connection of a replacement

Costs for alternative accommodation if your holiday home becomes uninhabitable

Accidental damage caused by pets, vermin and insects

** providing a park-approved drain down and reconnection service is used

Static Caravan Insurance - FAQs

Well, we’re probably a little bit biased, but thanks for asking!

We think you should choose Compass because we know what we’re doing. We’re specialists and we’ve focused on static caravan insurance for more than 40 years. In that time have become one of the most trusted providers in the market and our cover is amongst the best available.

If you insure your static caravan with Compass on a new for old basis, your static caravan will be replaced* with the most recent, brand-new model (or an equivalent) following a total loss.

Similarly, if you were to make a claim for an irreparably broken window, you could expect a brand-new replacement window.

*It is important to note that this is Sums Insured dependent. 

If you opt for market value cover for your static caravan and subsequently have to make a claim for damage or loss, the “market value” principle will be applied.

For example, following a total loss, you would receive a payment for the market value of your static caravan immediately prior to the loss (which may not equate to the Sums Insured amount stated on your policy schedule).

Similarly, if you were to make a claim for an irreparably broken window, you would receive a claims payment for the market value of the window (i.e., the payment would be unlikely to cover the cost of a brand-new equivalent).

As an alternative to market value cover, Compass offers New for Old cover. 

Your “Sums Insured” is the total amount of money you’re insured for. On a Compass policy:

  • Your Structures Sums Insured is the total amount that your static caravan (and associated structures, e.g., steps and decking) is covered for.
  • Your Contents Sums Insured is the total amount that the contents you keep at your static caravan are insured for.
  • Together these form your Total Sums Insured.

No. Your contents will not be insured under your Compass policy unless you specifically request cover for them.

A recent analysis (2020) of the market showed that in most cases, it would cost a minimum of £25,000 to replace a damaged static caravan with a brand-new equivalent.

This means that if your “Sums Insured” (the amount your static caravan is insured for) is less than £25,000, you could be under-insured.

To check, ask your park owner if your Structure Sums Insured amount is enough to buy you a brand-new replacement/equivalent for your current static caravan (or an equivalent) on your current pitch on your park.

Compass provides policies on a “non-advised” basis, which means we are not allowed to tell you how much your static caravan should be insured for. However, there are lots of ways to work out how much to insure for. For example, you can look at similar units for sale on your park, or just ask your park owner, who should be able to help you come up with an appropriate figure.  

Yes. Compass can cover your rented-out static caravan, as long as you follow all of the rules your park may have in respect of renting. So, in other words, your unit will not be covered under the Compass policy if you do not comply with your park’s renting rules.

During the periods that your static caravan is hired out, some of the covers provided under your Compass policy will be affected. For example, there is a higher excess for malicious acts or vandalism if this is caused by someone hiring the unit from you.

We also provide cover for loss of rent if your structure is uninhabitable as a result of loss or damage covered in the policy, there are some limits and conditions to this cover which are detailed in the policy wording.

If you are a UK or EU citizen and your static caravan is sited in the UK, we can provide you with insurance. However, we may need to speak to you about the nature of your residence in the country you live in.

No. Compass static caravan insurance cover has been specifically designed to cover structures (such as static caravans, holiday caravans and holiday lodges) that are used for holidays and recreation and which are sited on a licenced holiday park. It does not cover structures which are used as a permanent residence. For details on our residential park home cover please visit compass.co.uk/residential.

Compass accepts payments via Direct Debit, debit and credit cards and bank transfer.

Please note that Direct Debit payments may incur interest or a charge.

We regularly check our prices against other insurance providers in the market and are confident that our premiums are very competitive for most static caravan owners.

There could be several reasons you have found a cheaper quote. Most commonly it’ll be because our policy offers benefits (cover) that cheaper policies do not.

When it comes to comparing quotes, it’s important to look at the differences in cover as well as the difference in price.

If you arrange your policy online, you will not pay an administration fee.

If you arrange your policy over the telephone, a £15 administration fee will apply.

We do not charge a fee for any mid term adjustments (changes) you make to your policy (but please bear in mind that some changes will result in an increase in your premium).

We do not charge a fee if you cancel your policy before it expires however depending on the timing of your cancellation you may only receive a partial refund of your premium.

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