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Static Caravan Insurance

Static home insurance

Insurance for static homes & Mobile homes

Quotedesk provide a Static caravan insurance policy designed to cover all types of static and mobile homes in The UK. We offer comprehensive insurance cover and competitive premiums.

Static home insurance

Policy Benefits Include:

the structure of your Static/Mobile home
permanent fixtures and fittings
domestic outbuildings and permanent structures
skirting, porches, balconies, patios, terraces, steps, decking, verandas, fixed storage chests
gas bottles, awnings, batteries, generators
foundation slab
domestic fixed fuel tanks; including gas, LPG and oil tanks, cesspits, septic tanks, pipes and cables
swimming pools, ornamental ponds and fountains
gates, walls, paths, hedges, fences, railings and lamp posts all within or forming the boundaries of your land
radio and television aerials, satellite dishes, their fittings and masts
wind turbines, fixed generators and solar panels
Monthly direct debit payment option
No additional charge for debit / credit card payments
A UK based company with UK staff
£5,000,000.00 Public Liability Cover
No additional administration charges for mid term adjustments
Cover for tenents / let static homes on request
No unoccupancy inspection requirements
30 day full money back guarantee if claim free
Emergency travel cover

Optional Legal expenses cover

This provides you with a brief summary of the cover provided by the policy. For precise details of cover, including the conditions and exclusions that apply, the policy document itself should be referred to.

Insurance For

Policy Details

Policy Summary: Click here to download PDF version.
Policy Wordings: Click here to download PDF version.
Claims Form: Click here to download PDF.

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Static Caravan and Mobile Homes

The Static home or static caravan industry contributes a significant amount to the UK leisure industry. Figures collated by national agencies indicate that 20% of all recorded leisure breaks in the UK in 2008 were accounted for by the Parks industry. This compares with 28% of recorded leisure breaks in the Hotel and Guesthouse sector. Of that 20% figure 16 million bed nights can be attributed to Static Home holiday lets and 16.6 million bed nights to Static Home owner stays. Similarly, 3.2 million trips were taken by holidaymakers to Static Homes in the UK and 3.7 million trips were taken by Static Home owners (United Kingdom Tourist Statistics 2008).

Within the UK there are approximately 4000 individual static and touring caravan parks. Information on the majority of these sites is contained in industry specific publications such as the "Holiday Parks Guide” published by the "British Holiday & Home Parks Association" (BH&HPA) who are Britain’s largest independent park organisation. They also produce a guide on award winning “eco-friendly” parks in the UK in line with the current trends towards sustainability.

Retail prices for a brand new Static Home or Static Caravan start from about £13,000.00 for a starter model to over £50,000.00 for a more luxurious model with an average mid range Static Home retailing at £25,000.00. While many modern units are built to BS3632 standards this is not a requirement and many Static models confirm to the lesser BS EN 1647 standards. BS3622 sets down detailed requirements regarding stability and structural integrity, weather resistance, adequate ventilation, drainage and sanitation, adequate means of escape, satisfactory thermal & sound insulation, the safe installation of electrical services and gas / oil fired installations and windows and doors. BSEN1647 is less rigorous with units built to this lesser standard not designed to be inhabited over the colder winter months.

Quotedesk recognise the individual build characteristics of your Static Home or Static Caravan and have designed a specific Static Home Insurance policy which offers very comprehensive cover covering a wide range of perils. Please do compare the insurance cover we offer with our competitors to see how comprehensive our Static Home insurance policy really is. We are also constantly reviewing our cover in consultation with our clients to make sure we remain at the forefront of the specialist Static Caravan Insurance industry. Our policy includes "domestic emergency breakdown" cover which offers peace of mind for our policyholder in the event of an unexpected domestic emergency such as a burst pipe and many other emergency situations.

There are many different manufacturers of Static Homes and Caravans in the UK. Although not definitive they include the following popular names:

ABI, Arronsbrook, Atlas, BK Bluebird, Brentmere,Carnaby, Classique, Cosalt, Delta, Galaxy,IRM, Kingston, Lissett, Normandy, Omar,Pemberton, Rapid Home, Stella, Swift, Tingdene, Tudor, Victory, Wessex, Westbrook, Willerby.

A Static Home owner on a recognised Static Home site would typically own the Static Home itself but rent the piece of land or pitch from the Static Home Site Owner. Annual rents or pitch fees vary greatly from park to park and are heavily influenced by the amenities provided by the site owner such as recreational Park facilities and site location. Static Home sites vary in size from several units to many hundreds of units. It is important to bear in mind that Quote Desks Static Home Insurance policy would cover the policyholder for annual rental fees or pitch fees if the Static Home was made uninhabitable by an insured event such as fire, storm or flood.

Static Caravan sites are in the main holiday home sites and owners or residents do not fall under the auspices of the "Mobile Home Act" 1973 or the "Housing Act" 2004. The majority of static caravan sites are restricted to certain opening times during the year and while it is not always the case a 365 day occupancy period is uncommon. However, a minority of Static Caravan owners will be able to reside in their Static Home all year or will relocate to other accommodation during the site closure period which may be as little as 2 weeks per year depending on the individual park’s license. Therefore to all intents and purposes the Static Caravan is their main home. Quote Desk can cater for Static Caravans used as main homes as long as they are on a recognised site.

A residential Static Home site is legally obliged to have a recognised site licence as required under the "Caravan Sites and Control of Development Act" 1960. A great deal of useful legal information regarding Static Caravan and Park Homes can be viewed by visiting the Department of Communities and Government web site. A list of useful links is displayed at the end of this explanatory information.

Quote Desk’s Static Caravan policy includes cover for any permanent structure owned solely by you and used for domestic purposes within the grounds of your Static Caravan.

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