Static Caravan Insurance Calculator
What static caravan insurance costs in 2026 — and why the park policy is not your only option
Last updated: July 2026
How much does static caravan insurance cost in the UK?
Static caravan insurance in the UK typically costs £150 to £300 a year for a modern caravan on an inland park, £300 to £500 for an older van or an exposed coastal site, and £500 to £900 where the caravan is on a floodplain or sublet to holidaymakers. As a rule of thumb the premium lands between 0.7% and 1.5% of the caravan's value each year, and the calculator above shows exactly where yours sits.
What actually drives the premium
Unlike a car, a static caravan is not really rated on how you use it – it is rated on where it stands. The dominant claims in this market are storm and flood, so a van on an exposed coastal park or a riverside pitch can cost 25–55% more to insure than an identical van fifteen miles inland, and some insurers will not quote at all on certain floodplain sites. Age matters next: a van over fifteen years old costs roughly a third more to insure, because the roof, seals and chassis are the parts that fail in a storm. Then comes subletting. The moment you let holidaymakers stay in it for money you have a commercial risk – accidental and malicious damage by guests, plus public liability for them – and a standard private policy will simply not respond.
New-for-old versus market value – the choice that matters
This is the single most important decision in the policy. A market value settlement pays what your caravan was worth the day before it burned down, which after ten years of depreciation may be a fraction of what a replacement on your pitch actually costs. New-for-old pays for an equivalent new van. It typically adds about 18% to the premium and is worth every penny on a total loss – which, given that storm damage often writes a static off entirely rather than damaging it partially, is the realistic claim scenario. Check the age limit: most insurers only offer new-for-old up to a certain age (often 10 or 15 years), after which you are on market value whether you like it or not.
Worked example
A £35,000 caravan, 8 years old, on an inland park, with £4,000 of contents and new-for-old cover. The core rate on the van comes to about £308, contents add £84, and new-for-old adds 18%, giving roughly £463 a year – about £39 a month, or 1.32% of the van's value. Fitting an alarm and approved locks takes 10% off, bringing it to around £416. Move the same van to a coastal park and the premium rises to roughly £550; put it on a floodplain and it approaches £620.
Do not buy the park's policy by default
Almost every holiday park requires you to hold insurance as a condition of your pitch licence, and almost every park will offer to sell you a policy. They cannot legally require you to buy theirs. Park-sold policies are commonly 30–60% more expensive than an equivalent policy arranged through a specialist static caravan broker, because the park earns commission on it. What the park can insist on is a minimum standard of cover – usually including public liability of £2 million to £5 million – so get the pitch licence out, read the insurance clause, buy a policy that meets it, and send them the certificate. If a park tells you that you must use their insurer, ask them to point to the clause in the licence agreement that says so.
How to cut the cost
Fit an approved alarm and hitch or wheel lock – a 10% discount is typical and it also reduces the theft exposure that pushes up premiums on newer vans. Keep the caravan maintained and documented: dated evidence of roof, seal and gas checks is what stops a storm claim being argued down on wear and tear. Insure the contents accurately rather than generously; the average clause means over-insuring wastes money while under-insuring cuts your claim. And review annually – static caravan premiums are among the least competitive in UK insurance precisely because most owners auto-renew with the park.
Frequently asked questions
How much is static caravan insurance a year?
A modern caravan on an inland park typically costs £150 to £300 a year. An older van or an exposed coastal site is usually £300 to £500. A floodplain location or a caravan sublet to holidaymakers commonly costs £500 to £900. As a guide, expect 0.7% to 1.5% of the caravan's value per year.
Do I have to buy insurance from the holiday park?
No. Parks can require you to hold insurance as a condition of your pitch licence, and can set a minimum standard of cover, but they cannot legally force you to buy their policy. Park-sold policies are commonly 30% to 60% more expensive than an equivalent policy from a specialist broker.
Is new-for-old cover worth the extra?
For most owners, yes. Storm damage often writes a static caravan off completely rather than damaging it partially, and a market-value settlement after ten years of depreciation may not fund a replacement on your pitch. New-for-old typically adds about 18% to the premium.
Does my policy cover me if I sublet the caravan?
Not under a standard private policy. Letting holidaymakers stay for money creates a commercial risk — accidental and malicious damage by guests, plus public liability for them. You need a policy that specifically permits subletting, which typically adds around £95 a year.
Why does a coastal site cost more to insure?
Because storm and flood are the dominant claims in this market. An exposed coastal park or a riverside pitch can cost 25% to 55% more than an identical caravan inland, and some insurers will not quote at all on certain floodplain sites.
Source: Insurance Premium Tax standard rate (12%) from GOV.UK – Insurance Premium Tax. Flood risk by location can be checked on GOV.UK – Check the long term flood risk. Premium ranges reflect 2026 UK static caravan market rates.