Caravan Insurance Requirements
Having the right insurance protects your holiday home and keeps you compliant with park rules. Below is a clear summary of what we require and the common cover types.
Minimum Policy Requirements
- Public liability: at least £5 million (including liability to third parties).
- Cover basis: either New-for-Old (caravans typically up to 10 years) or Market Value (older caravans).
- Valid documentation: provide proof of insurance each year (policy schedule/certificate).
Cover Options Explained
New-for-Old
- Replaces with a new equivalent if written off.
- Commonly available up to ~10 years (sometimes more; depends on the insurer).
- Usually higher premium; ensures “as new” replacement.
Market Value
- Pays the current value at the time of loss.
- Suited to older caravans.
- Lower premium; payout reflects depreciation.
What to Send Us Each Year
- Policy schedule or certificate showing the caravan details, cover basis, dates and £5m public liability.
- Insurer name and policy number.
An administration fee applies for annual verification in line with your Licence Agreement, except when you insure via Leisuredays.
Recommended Provider (Optional)
We recommend Leisuredays Insurance as their policies meet our requirements. If you choose them, our annual admin fee for policy checking is not charged.
Learn more: Leisuredays static caravan insurance.
Typical Perils Covered
- Accidental damage, fire, theft, storm and flood.
- Liability to the public (minimum £5m).
- Often includes fixtures/fittings, locks & keys, and emergency accommodation (varies by provider).
Coverage, limits and eligibility vary by insurer and policy. Always review your own documents for full terms and exclusions.