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Static caravan insurance cost UK 2026

Static caravan insurance costs around £250 a year on average in the UK in 2026, with most holiday-caravan owners paying between £150 and £600 depending on the caravan’s value and park location. A £10,000 van on a quiet inland park can be covered for about £200, while a £60,000 lodge on the coast runs to £580 or more. Cover is not required by law but almost every UK holiday park insists on it — usually with at least £2 million of public liability. Full 2026 cost breakdown, what drives the price and how to pay less below.

What drives the price → Caravan insurance pillar guide
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~£250/yr
UK average, static caravan
£2m–£5m
public liability cover
£150–£600
typical range by value
Direct Answer

How much is static caravan insurance in 2026?

A static (holiday) caravan is typically insured for around £250 a year in 2026, though the real range runs from about £150 for a modest, older van on a low-risk inland park up to £600 or more for a high-value lodge on an exposed coastal site. Unlike touring caravans — which are pulled behind a car and priced more like motor cover — a static caravan sits permanently on a licensed pitch, so its premium behaves much more like a small buildings-and-contents policy: it is driven mainly by the caravan’s rebuild value, the park’s exposure to storm and flood, and the level of public liability cover the site demands.

Static caravan insurance is not a legal requirement — there is no equivalent of the Road Traffic Act because the van never uses a public road — but in practice it is unavoidable: nearly every UK holiday park writes a minimum level of insurance, usually including at least £2 million of public liability, into the pitch licence agreement. For how static cover compares with touring and fleet caravan policies, see our full caravan insurance cost guide for 2026. Here is how the static premium scales with caravan value:

UK static caravan insurance cost by caravan value — 2026
Premiums scale with rebuild value: a £5,000 van costs about £165 a year, a £60,000 lodge around £580 — roughly 3.5× more.
£5,000 van £165 £10,000 van £200 £15,000 van £250 £20,000 van £290 £30,000 van £360 £45,000 lodge £470 £60,000 lodge £580

Source: NimbleFins average caravan insurance data 2026, ABI leisure-lines guidance and specialist static-caravan insurer schedules (holiday use, £2m public liability).

Insured caravan valueTypical annual premiumCover basisNotes
£5,000 (older van)£165Market valueLow-risk inland park
£10,000£200New-for-old / marketStandard holiday use
£15,000£250New-for-oldUK average band
£20,000£290New-for-oldMid-range 2–3 bed
£30,000£360New-for-oldPremium model / decking
£45,000 (lodge)£470New-for-oldTwin-unit or coastal
£60,000 (lodge)£580New-for-oldHigh-value / let out

Sources: NimbleFins average caravan insurance data 2026, ABI leisure-lines guidance and specialist static-caravan insurer schedules. Figures assume holiday (non-residential) use, £2m public liability and reasonable security. Sub-letting your caravan to holidaymakers, or residential occupation, typically adds 15–40%. Refresh: 2026-10-14.

Cost Factors

What drives static caravan insurance up or down

Two identical caravans can be quoted hundreds of pounds apart because a static policy prices where the van sits as heavily as the van itself. The main levers in 2026:

  • Caravan value and age — the single biggest factor. Insurers price to the rebuild/replacement cost, so a £60,000 twin-unit lodge costs roughly three to four times more to insure than a £5,000 starter van. Newer caravans (usually under 15 years old) qualify for new-for-old settlement; older vans drop to market value, which is cheaper but pays out less.
  • Park location and exposure — coastal, cliff-top, riverside and flood-plain parks attract higher storm and flood loadings. A van on a sheltered inland site can be 20–30% cheaper than the same van on an exposed North Sea or estuary park.
  • Public liability level — parks demand a minimum, typically £2 million, but many owners take £5 million. Raising the limit adds only a little to the premium but is often mandatory under the pitch licence.
  • Use and occupancy — holiday-only use is cheapest. Sub-letting to holidaymakers, or living in the van residentially (where the site licence allows it), raises the premium and often needs a specialist scheme.
  • Security — alarms, approved door and window locks, and gated/CCTV-monitored parks all cut the theft and vandalism element. Many insurers require a minimum standard before they will quote at all.
  • Claims and voluntary excess — a clean claims history and a higher voluntary excess (say £250 rather than £100) both trim the premium.

Note that subsidence, heave and landslip are frequently excluded or optional on static policies, because the caravan usually sits on piers or a hardstanding rather than conventional foundations — always read the policy wording if your park is on made-up or sloping ground.

Cover & Savings

What it covers and how to pay less

A standard static caravan policy insures the structure — walls, roof, windows, doors and fixed fittings — plus contents, against fire, storm, flood, lightning, theft, malicious damage, impact and escape of water. Most policies also bundle in the essentials that holiday-park owners actually claim on:

  • Public liability of £2m–£5m — covers injury to a visitor or damage you cause to the park. Almost always a licence condition.
  • New-for-old replacement for younger vans — a like-for-like replacement rather than a depreciated cash settlement.
  • Contents and valuables — typically £3,000–£7,500 of contents; check limits for bikes, TVs and hot tubs.
  • Storm and flood — included on comprehensive policies, but scrutinise the excess and any coastal exclusions.
  • Alternative accommodation / loss of pitch fees on some schemes if the van is uninhabitable after an insured loss.

Six ways to cut the cost: insure for the correct rebuild value (not the price you paid, and not the showroom price of a new model); fit approved alarms and locks; choose a park with gated access and CCTV; take a sensible voluntary excess; pay annually rather than monthly to avoid interest; and buy through a specialist caravan insurer or broker rather than a mainstream home-insurance comparison site. Mass-market comparison sites rarely rate static caravans correctly — the risk (a lightweight structure on a leased pitch, exposed to weather and seasonal occupancy) does not fit a standard buildings model, which is exactly why specialist providers such as Caravan Guard, Towergate/Everywhen, The Insurance Emporium, Compass and Leisuredays exist.

Common Questions

Static caravan insurance FAQs

The UK average is around £250 a year in 2026, with most owners paying between £150 and £600. The main driver is the caravan’s insured value: budget roughly £165 for a £5,000 older van, about £250 for a £15,000–£20,000 mid-range model, and £470–£580 for a £45,000–£60,000 lodge. Coastal parks, sub-letting and residential use push the figure higher; a sheltered inland pitch and good security pull it lower.
No — because a static caravan never uses a public road, there is no legal duty to insure it, unlike a car. In practice, though, it is effectively compulsory: nearly every UK holiday park makes insurance — and specifically a minimum level of public liability, usually £2 million — a condition of your pitch licence agreement. Without it you can be refused a pitch or asked to leave the site.
A comprehensive policy covers the structure and fixed fittings against fire, storm, flood, lightning, theft, malicious and accidental damage, plus contents (typically £3,000–£7,500) and public liability of £2m–£5m. Many schemes add new-for-old replacement for younger vans and alternative-accommodation or lost-pitch-fee cover after an insured loss. Subsidence, heave and landslip are often excluded or optional because static caravans sit on piers rather than foundations — always check the wording.
Static caravans are an awkward risk for mainstream sites: a lightweight, factory-built structure on a leased pitch, exposed to weather and used only seasonally, does not fit a standard home-buildings model. Most big comparison sites either won’t quote or price it crudely. Specialist caravan insurers and brokers — Caravan Guard, Towergate/Everywhen, The Insurance Emporium, Compass and Leisuredays among them — rate the park, the van and the occupancy properly, which usually means both a fairer price and cover that actually matches your pitch licence.
Yes — storm, flood and lightning are standard insured perils on a comprehensive static caravan policy. But because coastal, cliff-top and riverside parks carry a much higher weather risk, insurers apply higher premiums, larger storm/flood excesses, and occasionally specific exclusions for the most exposed sites. If your park is on a flood plain or estuary, read the flood section of the wording carefully and confirm the excess before you buy.
New-for-old replaces a written-off caravan with a brand-new equivalent rather than paying a depreciated cash value. It is typically available for vans under about 15 years old (some insurers stretch to 20). Older caravans move to market value cover, which settles at what the van was worth just before the loss — cheaper to insure but a smaller payout. Whichever applies, insure for the correct replacement figure, not the price you originally paid.
Most UK holiday parks require a minimum of £2 million of public liability as a pitch-licence condition, and many owners opt for £5 million for only a small extra premium. This covers you if a visitor is injured on or around your caravan, or if you cause damage to a neighbour’s van or park property. Check your specific licence agreement — a handful of larger operators now stipulate £5m.
Six proven tactics: (1) insure for the correct rebuild value, not an inflated figure; (2) fit approved alarms, door and window locks; (3) choose or stay on a gated, CCTV-monitored park; (4) take a sensible voluntary excess of £250–£500; (5) pay annually to avoid monthly interest; and (6) buy through a specialist caravan insurer or broker rather than a mainstream comparison site. Keeping a clean claims record and avoiding sub-letting also hold the premium down year on year.

Our sources

  • NimbleFins — Average Cost of Caravan Insurance 2026 — static vs touring average premiums and public-liability pricing
  • ABI (Association of British Insurers) — leisure-lines guidance and UK weather/flood claims context
  • Caravan Guard, Towergate/Everywhen, The Insurance Emporium & Compass — specialist static-caravan scheme schedules, cover bases and liability limits
  • gov.uk — mobile homes & pitch agreements — site-licence and occupancy framework
  • Environment Agency flood-risk data — coastal and flood-plain park exposure
  • Car Insurance Expert composite research — 2026 static-caravan premium sampling by value band

Reviewed by the Car Insurance Expert editorial team

Figures are compiled from NimbleFins and ABI published data plus specialist static-caravan insurer schedules and our own value-band sampling, benchmarked to holiday use with £2m public liability, refreshed quarterly and reviewed by the Car Insurance Expert editorial team. Premiums are typical guide figures, not quotes — your price depends on your park, van value and security.

Last updated: 2026-07-14

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