Caravan Park Insurance Cost Guide 2026 (UK Pricing Breakdown)

Introduction

If you run a caravan park, holiday park, or mixed touring/static site, insurance cost is rarely “one price fits all”. Your premium is built from your park’s risk profile: the type of pitches you offer, the facilities you provide, your location, and how you manage safety and maintenance.

This guide explains what caravan park insurance typically includes, what you can expect to pay in 2026, and the main levers that push premiums up or down—so you can budget accurately and avoid nasty surprises at renewal.

What is “caravan park insurance” in the UK?

Caravan park insurance is usually arranged as a commercial package (often a commercial combined policy) tailored to holiday parks. It can include:

• Property cover for buildings, contents, and fixed assets

• Public liability for injury or property damage to visitors and third parties

• Employers’ liability (a legal requirement if you employ staff)

• Business interruption (loss of income after an insured event)

• Money cover (cash on premises/in transit)

• Legal expenses (optional)

• Equipment breakdown (optional)

• Cyber insurance (optional, increasingly relevant)

Some parks also need specialist extensions for play areas, swimming pools, bars/restaurants, events, water sports, lakes, marinas, arcades, bouncy castles, or seasonal attractions.

UK caravan park insurance cost in 2026: realistic ranges

Insurance premiums vary widely. The figures below are typical UK market ranges for well-managed parks with no major recent claims. Your quote may be lower or higher depending on size, facilities, and claims history.

1) Small touring site (basic facilities)

Typical annual premium: £1,000–£4,000

Common profile:

• 10–40 pitches

• Basic amenities block

• Limited or no on-site retail/food

• No high-risk attractions

2) Small to mid-size holiday park (touring + static)

Typical annual premium: £3,000–£12,000

Common profile:

• 40–150 pitches

• Mix of touring and static caravans

• Reception/shop

• Play area

• Multiple buildings and higher footfall

3) Larger holiday park with leisure facilities

Typical annual premium: £10,000–£40,000+

Common profile:

• 150+ pitches

• Significant buildings sum insured

• Pools, gyms, bars, restaurants, entertainment venues

• Higher turnover and greater liability exposure

4) Premium coastal parks / high footfall destinations

Typical annual premium: £20,000–£75,000+

Common profile:

• Coastal exposure (wind, storm surge)

• High seasonal occupancy

• Multiple attractions and events

• Larger staff headcount

Quick pricing breakdown: what you’re paying for

Most caravan park insurance quotes are a blend of several cost drivers. A simplified way to think about it:

• Property premium (buildings, contents, fixed equipment)

• Liability premium (public + employers’ liability)

• Business interruption premium (gross profit/turnover protection)

• Add-ons (legal expenses, equipment breakdown, cyber, terrorism, etc.)

• Excesses and conditions (which can reduce premium if increased/tightened)

Even if your park has modest buildings, liability can still be a major part of the price because of visitor numbers and the variety of activities on site.

The biggest factors that affect caravan park insurance cost

Here are the underwriting questions that most strongly influence premium in 2026.

1) Park size, pitch count, and occupancy

More pitches and higher occupancy generally mean:

• More people on site

• More vehicle movements

• More chance of slips, trips, and accidents

Underwriters often look at peak season occupancy and annual visitor volume, not just pitch count.

2) Static vs touring mix

• Touring pitches can increase vehicle movement risk and third-party incidents.

• Static caravans/lodges can increase fire spread exposure and total value at risk.

If you have closely spaced units, insurers may focus on fire breaks, spacing, and emergency access.

3) Facilities and “attractions”

Premium typically rises with:

• Swimming pools and spas

• Lakes, water sports, fishing

• Playgrounds, inflatables, trampolines

• Arcades and amusement machines

• Bars/restaurants and late-night entertainment

• Events, festivals, fireworks, live music

Each facility adds both liability exposure and often property values.

4) Location and weather exposure

Your postcode matters. Insurers rate:

• Flood risk (surface water, river, coastal)

• Storm exposure (coastal wind, trees, flying debris)

• Theft/vandalism risk

If you’re in a higher flood zone, you may face higher premiums, higher excesses, or tighter terms.

5) Buildings and sums insured

Property pricing is heavily influenced by:

• Rebuild cost of reception, amenity blocks, bars/restaurants, entertainment venues

• Construction type (standard vs non-standard)

• Roof type and condition

• Fire protection and compartmentation

A common cost mistake is underestimating rebuild cost. Underinsurance can reduce claims payouts.

6) Fire safety and LPG/gas controls

Caravan parks have specific fire considerations:

• LPG storage and cylinder exchange areas

• Electrical hook-up maintenance

• Fire points, extinguishers, and signage

• Unit spacing and emergency routes

Strong controls can improve terms; weak controls can increase premium or lead to exclusions.

7) Claims history

Recent claims—especially fire, escape of water, storm, and liability—can materially increase premiums. Insurers may also apply:

• Higher excesses

• Restricted cover for certain perils

• Risk improvement requirements

8) Staffing, contractors, and maintenance

Insurers look at:

• Number of employees and payroll (for employers’ liability)

• Use of contractors (groundskeeping, electrics, gas, construction)

• Planned maintenance schedule and record-keeping

Good documentation can help defend liability claims and support better pricing.

Typical cover levels (and how they influence cost)

Here are common benchmarks (not one-size-fits-all):

• Public liability: often £2m–£10m

• Employers’ liability: typically £10m

• Buildings: based on rebuild cost (not market value)

• Contents: replacement cost for furniture, equipment, stock

• Business interruption: often 12–24 months indemnity period

Higher limits and longer business interruption periods generally increase premium, but they can be crucial if you have significant seasonal income.

Common add-ons that change the price

Depending on your park, these can be worth budgeting for:

• Business interruption extensions (denial of access, loss of attraction, utilities)

• Equipment breakdown (boilers, pumps, refrigeration, pool plant)

• Cyber insurance (booking systems, payment processing, customer data)

• Legal expenses (employment disputes, contract issues)

• Money cover (cash handling, tills)

• Terrorism (more common for larger sites or certain locations)

• Personal accident for owners/working directors

If you take online bookings and store customer data, cyber is increasingly relevant—even for smaller parks.

Example cost scenarios (illustrative)

These are simplified examples to show how different risk profiles can affect premium.

Scenario A: 25-pitch touring site, rural Wales

• Basic amenities block

• No bar/restaurant

• Low claims history Indicative premium: £1,200–£2,800

Scenario B: 90-pitch mixed park with shop + play area

• Touring + static

• Reception, small shop

• Children’s play area Indicative premium: £4,500–£10,500

Scenario C: 220-pitch coastal holiday park with entertainment

• Multiple buildings

• Bar/restaurant, events

• Higher storm exposure Indicative premium: £18,000–£55,000+

Your actual premium depends on sums insured, liability limits, and risk controls.

How to reduce caravan park insurance cost (without gutting cover)

Insurers price confidence. The more clearly you can show control of risk, the better your options.

1) Get your sums insured right

• Use a rebuild valuation for key buildings

• Update contents values annually

• Avoid “guessing” (underinsurance can backfire)

2) Tighten fire and electrical controls

• Document electrical hook-up inspections

• Keep fire points maintained and recorded

• Manage LPG storage properly

• Ensure emergency access routes are clear

3) Improve claims defensibility

• Incident reporting process

• CCTV where appropriate

• Clear signage (speed limits, water hazards, play areas)

• Written contractor controls and permits to work

4) Review excesses strategically

A higher excess can reduce premium, but only choose what you can comfortably absorb.

5) Bundle cover sensibly

A single, well-structured commercial combined policy can be more cost-effective than multiple fragmented policies—especially when business interruption and liability need to align.

6) Start renewal early

For parks with complex risks, start 6–10 weeks before renewal. This gives time for:

• Risk improvements

• Alternative markets

• Proper presentation of your risk

What information you’ll need for a fast, accurate quote

Having this ready can speed up quoting and improve terms:

• Pitch count (touring/static), occupancy profile

• Facilities list (pool, bar, events, play areas, lakes, etc.)

• Buildings details (construction, roof type, age, condition)

• Sums insured (buildings/contents) and any valuations

• Turnover and seasonal income split

• Staff numbers and payroll

• Claims history (typically 3–5 years)

• Risk management documents (fire risk assessment, maintenance logs)

• Flood history and mitigation (if applicable)

Common mistakes that push premiums up

• Under-declaring facilities (then needing mid-term adjustments)

• Underinsuring buildings or ignoring rebuild costs

• No documented maintenance or inspection records

• Not disclosing previous incidents/near misses

• Leaving renewal too late, limiting market options

FAQs

How much is public liability insurance for a caravan park?

It depends on visitor numbers, facilities, and claims history. For many parks, public liability is bundled into a wider policy and forms a significant part of the premium.

Do I need employers’ liability insurance?

If you employ staff (including part-time and seasonal), employers’ liability is typically required by law in the UK.

Is flood cover included?

Often yes, but terms vary. In higher-risk postcodes, flood may come with a higher excess or specific conditions.

Does caravan park insurance cover guests’ caravans?

Usually not automatically. Your policy typically covers your business assets and liabilities. Guests’ units are usually insured by the owners, although some parks arrange optional schemes.

Can I insure events and entertainment?

Yes, but you must disclose them. Events can materially change the risk and the premium.

Next step: get a tailored quote

If you want an accurate 2026 premium estimate, the quickest route is a short risk overview: pitch mix, facilities, location, sums insured, and claims history. From there, you can compare options that protect your park properly—without paying for cover you don’t need.

Call Insure24 on 0330 127 2333 or request a quote online to get a tailored caravan park insurance quote.