Hire Fleet & Rental Static Caravan Insurance

Specialist insurance for caravan park hire fleets, rental statics and holiday homes owned by the park.

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Protect your rental units, income and liabilities in one tailored policy.

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GET A FLEET QUOTE

We compare quotes from leading UK caravan park insurers

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

INSURANCE FOR HIRE FLEETS & RENTAL STATIC CARAVANS

Why Hire Fleet & Rental Static Caravan Insurance Matters

Hire fleet statics and park-owned units are a key income stream for many holiday parks. Storm damage, guest accidents, fire, escape of water or malicious damage can remove a number of units from your letting stock at once – and take rental income with them. Specialist hire fleet insurance can cover the physical caravans, their contents, your loss of rent and liability to guests, helping your park recover quickly when the unexpected happens.

Core Covers for Hire Fleets & Rental Static Caravans

Designed around holiday parks that own and let static caravans, lodges and other holiday units on a commercial hire basis.

  • Buildings Cover – for park-owned static caravans, lodges and other fleet units on site.
  • Storm, Flood & Weather Damage – including high winds, heavy rain and coastal weather (subject to terms).
  • Fire, Explosion & Smoke Damage – protection for serious incidents affecting individual units or rows.
  • Escape of Water – burst pipes, leaks and resulting damage to structures and interiors.
  • Accidental & Malicious Damage – including damage caused by guests or vandals, subject to policy conditions.
  • Theft & Attempted Theft – forced entry damage and theft of contents or fixtures.
  • Contents Cover – for park-owned contents, furniture, fixtures and white goods in hire units.
  • Glass & Sanitary Ware – damage to windows, doors and sanitary fittings within the caravan or lodge.
  • Public Liability – cover if guests, visitors or contractors are injured or their property is damaged on your park.
  • Property Owners’ Liability – for liabilities associated with ownership of the units and park infrastructure.
  • Employers’ Liability – required cover for staff, maintenance teams and seasonal workers.
  • Loss of Rental Income – cover for lost hire income following insured damage to fleet units (up to agreed limits).
  • Additional Expenses – such as alternative accommodation arrangements for guests following an insured incident.
  • Seasonal & Closed Period Cover – protection designed to reflect quiet periods and winter shutdown.
  • Business Interruption Elements – contribution towards fixed costs following larger incidents affecting multiple units.
  • Legal Expenses – assistance with certain disputes, contract issues and regulatory matters (where included).

Cover varies by insurer and policy. We will explain exactly what is included and tailor limits to your park.

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Common Risks for Hire Fleets & Rental Statics

Real-world exposures for parks with park-owned caravans and lodges offered for hire.

  • Severe weather events causing damage to multiple units at once – storms, flooding or high winds.
  • Fire in a single unit spreading to neighbouring statics or decking areas.
  • Guests accidentally damaging fixtures, furniture, hot tubs or external structures.
  • Escape of water from showers, toilets or frozen pipes during winter closures.
  • Theft of TVs, appliances and park-owned contents from hire fleet caravans.
  • Slips, trips and falls on steps, decking or pathways approaching units.
  • Inadequate sums insured leading to underinsurance at claim time.
  • Income loss when popular units are out of action during peak season repairs.
  • Guest injuries related to hot tubs, play equipment or steps around the caravan.
  • Additional costs to relocate guests after a fire, flood or major failure in a unit.
  • Disputes around who is responsible for damage – guest, owner, park or third-party contractor.
  • Ageing hire fleet units with increasing maintenance and breakdown risk.
  • Parks expanding their fleet but not updating sums insured or limits.
  • Mixed use of units – sometimes owner-occupied, sometimes sublet – complicating cover.
  • Tighter guest expectations around standards, cleanliness and safety.
  • More frequent extreme weather impacting coastal or riverside parks.
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Why Choose Insure24 for Hire Fleet & Rental Static Caravan Insurance?

  • Caravan Park Specialists – we understand the difference between owner-occupied and park-owned hire units.
  • Tailored for Hire Fleets – cover designed around rental usage, short stays and heavy guest turnover.
  • Fleet-Level Approach – we can look at your hire fleet as a whole, not just individual units.
  • Multiple Insurer Options – access to markets experienced in UK holiday and caravan parks.
  • Help with Sums Insured – guidance on setting realistic rebuild/replacement and contents values.
  • Seasonal Business Awareness – cover that reflects open seasons and quieter winter periods.
  • Support with Claims – assistance when several units are affected at once by storms or floods.
  • Options to Link with Park Cover – integrate hire fleets with wider park insurance where appropriate.
  • Transparent Terms – we explain conditions such as security, occupancy and maintenance requirements.
  • Growth-Friendly – adapt cover as you add new units or invest in higher-spec lodges.
  • Single Point of Contact – one team handling your quotes, changes and renewals.
  • Long-Term Relationships – focused on protecting your park season after season, not just year one.
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REQUEST A HIRE FLEET REVIEW

How to Arrange Hire Fleet & Rental Static Caravan Insurance

  • 1. Tell us about your park – location, number of units and facilities.
  • 2. Confirm how many static caravans, lodges or other units are park-owned and hired out.
  • 3. Provide details of unit ages, types, specifications and replacement values.
  • 4. Let us know about your rental model – short breaks, week-long stays, season length and occupancy.
  • 5. Share any recent claims or major incidents affecting the park.
  • 6. We approach suitable insurers and build a tailored fleet quotation.
  • 7. We talk you through the cover, limits and conditions in plain language.
  • 8. Once you’re happy, cover is put in place and documents are issued for your records.
CALL TO START YOUR QUOTE
SEND US YOUR FLEET DETAILS

Who Is Hire Fleet & Rental Static Caravan Insurance For?

Suitable for a range of holiday parks and operators with park-owned accommodation.

Holiday Parks with Hire Fleet Statics

  • Parks with rows of park-owned static caravans available for hire.
  • Parks offering a mix of budget, mid-range and premium hire units.
  • Sites with on-park facilities such as pools, clubs or play areas.
  • Coastal, countryside and lakeside holiday parks.

Mixed Owner-Occupied & Hire Fleet Parks

  • Parks where some units are privately owned and others are park-owned for rental.
  • Sites where the park manages subletting on behalf of owners.
  • Holiday villages looking for combined solutions for park and hire units.
  • Parks transitioning towards or away from more hire fleet units.

Holiday Lodge & Premium Rental Parks

  • Parks with lodge-style accommodation and higher nightly rates.
  • Luxury developments with decking, hot tubs and higher-spec interiors.
  • Sites with strong reliance on rental income and repeat guests.
  • Resorts with multiple accommodation types on one park.

Glamping & Alternative Park-Owned Units

  • Parks offering park-owned pods, glamping units or similar alternatives.
  • Sites diversifying from touring or seasonal pitches into rental units.
  • Operators wanting consistent cover across different unit types.
  • Smaller independent parks with a modest hire fleet.
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Typical Cover Levels & Options for Hire Fleets

Example structures – we tailor limits and features to your caravan park.

Essential Hire Fleet Cover

Ideal for: smaller parks or parks starting to build a hire fleet.

  • Buildings cover for a defined number of park-owned units.
  • Standard perils – fire, storm, flood, escape of water and theft.
  • Park-owned contents cover up to agreed limits.
  • Core public and property owners’ liability cover.
  • Basic loss of rent cover for defined scenarios.

Enhanced Fleet & Income Protection

Ideal for: established parks with a significant hire fleet.

  • Wider perils and higher sums insured for buildings and contents.
  • Higher loss of rent limits for peak season protection.
  • Extensions for accidental damage caused by guests (subject to conditions).
  • Broader liability limits and optional cover for additional facilities.
  • Support for larger claims impacting multiple units.

Comprehensive Park & Fleet Package

Ideal for: larger holiday parks and groups with multiple sites.

  • Integrated cover for park infrastructure, hire fleet and park liabilities.
  • Customised loss of rent and business interruption solutions.
  • Programme built around park group requirements and multiple locations.
  • Options to include other revenue streams (e.g. bars, pools, restaurants) by agreement.
  • Closer risk management dialogue with insurers and underwriters.

Optional Extensions & Add-Ons

  • Higher limits for specific premium or flagship units.
  • Extended loss of rent periods where rebuild times may be longer.
  • Cover for hot tubs, decking and external features (subject to terms).
  • Equipment breakdown for certain park-owned equipment (where available).
  • Increased public liability limits for larger or busier parks.
  • Cover for employee theft or dishonesty (where offered).
DISCUSS COVER LEVELS
REQUEST TAILORED OPTIONS
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“Our hire fleet is a big part of the park’s income. Insure24 helped us check sums insured, loss of rent cover and liability so we’re confident the units and the business are properly protected.”

Park Owner, Coastal Holiday Park

UNIQUE INSURANCE
TAILORED FOR YOUR HIRE FLEET & RENTAL STATICS

PROTECT YOUR PARK-OWNED ACCOMMODATION

  • Repair or replace damaged caravans and lodges after insured incidents.
  • Protect park-owned fittings, furnishings and contents in rental units.
  • Help cover lost rental income so cashflow is less affected by major damage.
  • Respond to guest injury and liability claims with robust protection behind you.
  • Give owners, staff and guests confidence in the park’s resilience.
  • Support future investment in upgrading or growing your hire fleet.
CALL FOR A PARK INSURANCE REVIEW
GET A HIRE FLEET QUOTE

Health & Safety, Compliance & Park Management

Good park management supports good insurance – and vice versa.

  • Regular gas and electrical inspections for hire fleet units.
  • Documented fire risk assessments for the park and accommodation areas.
  • Clear guest safety guidance for steps, decking and hot tubs.
  • Robust cleaning and turnaround procedures between stays.
  • Maintenance schedules for roofs, gutters, external cladding and supports.
  • Up-to-date park licensing and adherence to local authority requirements.
  • Clear terms & conditions for guests, including damage charges and behaviour expectations.
  • Incident reporting and investigation for guest accidents and near-misses.
  • Secure key and access control processes.
  • Good records – supporting stronger presentations to insurers and claims handling.
DISCUSS RISK MANAGEMENT & COVER
SHARE YOUR CURRENT ARRANGEMENTS

FREQUENTLY ASKED QUESTIONS

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What is hire fleet & rental static caravan insurance?

It’s insurance designed for park-owned static caravans, lodges and similar units that are rented out to guests. It usually combines buildings and contents cover with liability cover and, importantly, protection for lost rental income after insured damage.

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How is this different from my main caravan park insurance?

Many park policies focus on the park infrastructure and liability, plus arrangements for privately owned units. Hire fleet insurance focuses specifically on park-owned accommodation used for rental – including the buildings themselves, contents and the income they generate. In some cases, these can be combined into one programme; in others, they may be treated separately. We can advise on the best approach.

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Can I insure a mix of static caravans and lodges in the same hire fleet policy?

Yes, typically you can insure different unit types together, provided they are park-owned and properly declared. We’ll ask for details such as numbers, types, ages, locations on the park and replacement values for each group of units to structure the cover appropriately.

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Does this cover damage caused by guests?

Many policies can include accidental and malicious damage caused by guests, subject to terms and conditions. There may be exclusions (for example, for wear and tear or minor cosmetic issues). We’ll highlight what is and isn’t covered so you can set appropriate guest deposit and charging policies.

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Will the insurance cover loss of rental income if a unit is out of use?

Loss of rent cover can usually be included, meaning that if a unit is uninhabitable due to an insured event (such as fire, storm or escape of water), the policy may contribute towards the rental income you lose, up to agreed limits and for a set period. We’ll help you choose realistic sums insured.

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How do I work out the correct sums insured for my hire fleet?

Sums insured should normally reflect the cost of replacing the unit on a “new for old” basis (unless otherwise agreed), plus an appropriate amount for park-owned contents. You’ll also need to think about the rental income you would want protected. We can talk through valuation approaches and common pitfalls around underinsurance.

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Can you cover parks in flood or high-storm-risk areas?

Flood and storm exposure is a major consideration for caravan parks. In many cases, cover is still available, but pricing, terms and conditions will reflect the risk. We’ll need to understand your location, past claims and any flood or storm resilience measures you have in place. We will then look for insurers willing to consider the risk.

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What information do you need to quote for my hire fleet?

Typically we’ll ask for details of your park location, number and types of units, their ages and values, the length of your season, approximate occupancy levels, recent claims, and any special features such as hot tubs or premium lodges. The more accurate the information, the better we can tailor your cover.

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Can you help if I’m adding or removing hire fleet units during the year?

Yes. Hire fleets naturally change as you add new stock or retire older units. We can help you adjust sums insured mid-term so your cover reflects the current fleet, and we’ll talk through the best way to structure the policy to accommodate growth or changes.

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How do I make a claim on my hire fleet insurance?

In the event of damage or an incident, your first priority is always guest safety. Once immediate issues are dealt with, contact Insure24 as soon as possible. We’ll explain what information is needed – such as photos, unit details, booking information and any witness accounts – notify the insurer on your behalf and support you throughout the claims process.

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