Static Caravan Park Insurance

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Specialist cover for UK static caravan and lodge parks – protect your units, park, guests and income with tailored insurance from Insure24.

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We compare quotes from leading insurers

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

STATIC CARAVAN PARK INSURANCE THAT LETS YOU RELAX

Specialist cover for static caravan and lodge parks

Whether you operate a holiday park, a residential park or a mixed site, we arrange tailored static caravan park insurance to protect your units, infrastructures and liabilities – so you can focus on running a great park experience.

What Our Static Caravan Park Insurance Can Cover

Every park is different. We work with you to shape cover around the layout of your park, the type of units on site and the facilities you offer.

  • Static caravans and holiday lodges – owned, let or hire-fleet units.
  • Park buildings – reception, shops, cafes, amenity blocks and storage.
  • Infrastructure – roads, paths, lighting, fencing, play areas and services.
  • Contents and equipment – furniture, fixtures, machinery and tools.
  • Money on site and in transit (subject to policy terms).
  • Public liability – protection if guests, visitors or the public are injured or suffer damage.
  • Employers’ liability – cover for staff working on the park.
  • Business interruption – loss of income following insured damage.
  • Owners’ liabilities – where you’re responsible for static units you rent or manage.
  • Legal expenses – support with certain disputes and claims.
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Common Risks for Static Caravan Parks

  • Storm and flood damage to static units and park infrastructure.
  • Fire in or between static caravans and lodges.
  • Escape of water from plumbing, heating and appliances.
  • Accidental damage by guests, staff or contractors.
  • Theft, vandalism and malicious damage, especially out of season.
  • Slips, trips and falls on uneven paths, steps or wet areas.
  • Playground, sports or leisure equipment causing injury.
  • Injuries linked to gas, electricity or carbon monoxide.
  • Loss of income if the park has to close after major damage.
  • Liability issues around sublet units and privately-owned statics.
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Why Caravan Park Owners Choose Insure24

  • Sector specialists – we understand static caravan and lodge park risks.
  • Tailored cover – policies shaped around your park layout and operations.
  • Access to leading UK insurers – including markets that specialise in holiday parks.
  • Hands-on claims support – we help you through the process if something goes wrong.
  • Straightforward advice – we explain covers in plain English, not jargon.
  • Flexible sums insured – to reflect the value of your static units and infrastructure.
  • Seasonal and year-round parks – cover for a wide range of operating models.
  • Competitive pricing – we compare options for value and quality of cover.
  • Ongoing support – help with mid-term changes and growth of your park.
  • UK-based team – accessible, responsive and focused on your business.
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How to Arrange Static Caravan Park Insurance

  • 1. Get in touch – call our team or submit an enquiry form.
  • 2. Tell us about your park – number and type of units, facilities and turnover.
  • 3. Discuss your current cover – we’ll help identify any gaps or overlaps.
  • 4. We approach insurers – we’ll source quotes from specialist markets.
  • 5. We present options – clear comparisons of covers and limits.
  • 6. You choose – select the solution that best fits your park and budget.
  • 7. Documents issued – policy documents emailed promptly.
  • 8. Ongoing support – help with changes, renewals and claims.
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Static Caravan Park Insurance for Different Park Types

We arrange cover for a wide variety of UK parks – from small family-run sites to large multi-park operators.

Holiday Parks

  • Parks with owner-occupied and sublet static caravans.
  • On-site facilities such as bars, restaurants and entertainment venues.
  • Swimming pools, leisure complexes and play areas.
  • Seasonal or year-round holiday trading.
  • Loss of rent and hire-fleet income protection.

Residential & Mixed Parks

  • Residential park home sites with permanent occupants.
  • Mixed parks combining residential, holiday and touring pitches.
  • Utility and infrastructure cover for essential services.
  • Liabilities associated with residents and visitors.
  • Tailored policies reflecting regulatory responsibilities.

Smaller Family-Run Parks

  • Compact parks with a smaller number of static units.
  • Flexible cover that can grow as your park expands.
  • Options to include owners’ homes and offices.
  • Support for first-time park operators.
  • Simple, clear documentation and explanations.

Groups & Multi-Site Operators

  • Programmes for groups of parks under common ownership.
  • Combined or segmented policies across several locations.
  • Centralised administration and renewal management.
  • Scope for bespoke risk management support.
  • Options to harmonise cover across your portfolio.
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The Real Cost of Incidents to Static Caravan Parks

A serious fire, flood or liability claim can have a major financial impact on your business. Comprehensive insurance helps protect your park’s future.

Direct Financial Losses

  • Replacement or repair of static caravans and lodges.
  • Rebuilding or repairing park buildings and facilities.
  • Debris removal, site clearance and making-safe costs.
  • Alternative accommodation or refunds for guests.
  • Compensation and legal costs following liability claims.

Indirect & Hidden Costs

  • Loss of income while units or parts of the park are closed.
  • Damage to reputation and guest confidence.
  • Time spent managing repairs, claims and complaints.
  • Potential impact on future bookings and occupancy rates.
  • Increased operating costs during recovery.

Protecting Your Park’s Future

Having the right static caravan park insurance in place means you have financial support to repair damage, replace units and keep your business trading after a major incident – rather than facing the costs alone.

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Assess Your Static Caravan Park Risk

Understanding your risk profile helps ensure your insurance matches the way your park actually operates.

Park Features We Consider

  • Number and type of static caravans and lodges.
  • Whether units are owner-occupied, sublet or hire-fleet.
  • Park layout, spacing and fire-break arrangements.
  • Buildings and facilities you provide on site.
  • Location, including coastal and flood exposures.
  • Security arrangements for in-season and off-season.

Operational Risk Factors

  • Season length and occupancy patterns.
  • Maintenance routines and inspection regimes.
  • Gas and electrical safety management.
  • Playground and leisure facility checks.
  • Previous claims and incident history.
  • Any unusual or higher-risk activities on site.
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How Insurance Has Helped Static Caravan Parks

Case Study: Storm Damage to Static Units

Situation: A coastal holiday park suffered severe storm damage, with several static caravans written off and infrastructure damaged.

Impact: Without insurance, replacement costs and repairs would have been unaffordable, forcing the park to close part of the site.

Resolution: The park’s insurance arranged through Insure24 covered replacement units, repairs and debris removal, helping the park reopen quickly for the new season.

Case Study: Fire Between Lodges

Situation: A fire starting in one lodge spread to neighbouring units before being brought under control.

Impact: Multiple lodges were destroyed, bookings had to be cancelled and guests needed refunds or alternative accommodation.

Resolution: Insurance helped fund replacement lodges, loss of income and guest refunds, while Insure24 supported the owner through the claims process.

Case Study: Guest Injury Claim

Situation: A guest tripped on an uneven step outside a static caravan and suffered a serious injury.

Impact: The guest pursued a compensation claim against the park owner.

Resolution: Public liability insurance arranged via Insure24 covered legal defence and settlement costs, protecting the park’s finances.

Case Study: Flooded Park Roads

Situation: Heavy rainfall caused flooding to roads and drainage, restricting access to static units.

Impact: The park had to close temporarily, losing key trading days.

Resolution: Business interruption cover compensated for lost income while repairs were carried out, helping stabilise cash flow.

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Risk Management Best Practices for Static Caravan Parks

Good risk management not only keeps guests and staff safe – it can also help keep your insurance premiums competitive.

Site & Infrastructure Controls

  • Maintain clear spacing between static units in line with guidance.
  • Ensure roads, steps and paths are well maintained and well lit.
  • Keep fire points and extinguishers in good order and accessible.
  • Carry out regular inspections of playgrounds and leisure areas.
  • Implement robust waste management to reduce fire risk.
  • Review flood resilience measures where relevant.

Operational & Safety Procedures

  • Have clear guest information on safety and park rules.
  • Keep records of gas and electrical safety checks for units and facilities.
  • Train staff in emergency procedures and incident reporting.
  • Document maintenance, inspection and cleaning schedules.
  • Review contracts with static owners and sublet arrangements.
  • Regularly review your insurance cover as the park develops.
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Static Caravan Park Insurance Coverage Options

We can cater for everything from smaller parks to large multi-site operators, with flexible cover limits and options.

Core Cover Package

Ideal for: Smaller parks with a modest number of static units.

  • Buildings and contents cover for park assets.
  • Static caravan and lodge cover (park-owned units).
  • Public and products liability.
  • Employers’ liability (where applicable).
  • Basic business interruption cover.

Enhanced Park Package

Ideal for: Larger parks with more extensive facilities.

  • Higher limits for buildings, static units and contents.
  • Extended business interruption cover.
  • Cover for entertainment complexes, pools and leisure.
  • Increased public liability limits.
  • Optional legal expenses and management liability.

Multi-Site & Group Solutions

Ideal for: Operators running multiple parks or groups.

  • Programmes designed for multiple locations.
  • Flexible sums insured across the portfolio.
  • Unified renewal dates and documentation.
  • Scope for negotiated group terms and pricing.

Optional Add-Ons

  • Engineering inspection services for lifts and plant.
  • Cyber cover for booking and payment systems.
  • Directors’ and officers’ liability.
  • Goods in transit for moving units and stock.
  • Additional covers tailored to your park.
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Insure24 took the time to understand our static caravan park and arranged comprehensive cover at a competitive price. When we had a claim, the support was excellent from start to finish.

Michelle T., Static Caravan Park Owner

UNIQUE INSURANCE
TAILORED FOR YOUR STATIC CARAVAN PARK 

PROTECT YOUR PARK

  • The cost of repairing or replacing damaged static caravans and lodges.
  • Damage to reception buildings, facilities and infrastructure.
  • Loss of your net profit if you can’t trade after an insured event.
  • Compensation and legal costs you are legally liable to pay to guests or third parties.
  • Protection for employees working on site.
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Compliance & Regulations for Caravan Parks

We can help ensure your insurance supports your responsibilities as a park operator, including key UK regulations and best practice guidance.

  • Local authority park licences and planning requirements.
  • Health and Safety Executive (HSE) guidance for parks.
  • Gas safety, electrical safety and carbon monoxide regulations.
  • Fire safety regulations and spacing requirements for static units.
  • Responsibilities under occupiers’ liability legislation.
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FREQUENTLY ASKED QUESTIONS

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What is static caravan park insurance?

Static caravan park insurance is a specialist policy designed for operators of parks with static caravans and lodges. It can cover park buildings, infrastructure, park-owned static units, liabilities to guests and staff, and loss of income following insured damage.

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Who needs static caravan park insurance?

Any business that operates a park with static caravans or lodges should consider specialist cover – whether you run a holiday park, a residential park, a mixed-use site or a small family-run park with a handful of units.

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What does static caravan park insurance typically cover?

Cover usually includes buildings and contents, park-owned static caravans and lodges, public and employers’ liability, business interruption, money, and options such as legal expenses or engineering inspection. Exact cover depends on the policy you choose.

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Are privately owned static caravans covered?

Many owners arrange their own static caravan insurance. However, park policies can sometimes extend to cover units you own, hire out or have a financial interest in. We’ll discuss your set-up and advise on the most appropriate structure.

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Does insurance cover loss of income if my park has to close?

Yes, business interruption cover can protect your income if your park cannot trade due to insured damage (for example, fire, flood or storm). We’ll help select an indemnity period and limit appropriate for your operation.

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Will my policy cover storm and flood damage to static caravans?

Storm and flood are commonly included insured perils, although cover is always subject to policy terms, conditions and any specific flood restrictions. We’ll highlight any limitations and discuss flood exposure at quotation stage.

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What information do you need to quote for static caravan park insurance?

We’ll usually ask for details such as the number and type of static units and lodges, sums insured, park facilities, turnover, wage roll, claims history, location and any higher-risk features such as pools or entertainment complexes.

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How much does static caravan park insurance cost?

Premiums depend on factors such as size and location of the park, sums insured for static units and buildings, claims history, facilities provided and the level of cover you choose. We compare terms from specialist insurers to find competitive options.

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Can you help if I already have a policy in place?

Yes. We can review your existing insurance schedule and policy wording, highlight any potential gaps or overlaps, and provide alternative quotations when you are next due to renew.

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How do I make a claim on my static caravan park policy?

If you suffer an incident, contact Insure24 as soon as possible. We’ll notify your insurer, explain the next steps, and support you with documentation, loss adjuster visits and settlement negotiations where required.

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Can you cover more than one park under the same policy?

Yes, we can often arrange cover for multiple parks under a single insurance programme, subject to insurer acceptance. This can simplify administration and may help achieve more competitive overall terms.

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How quickly can you provide a quote?

Timescales depend on the complexity of your park, but we will usually provide an initial indication relatively quickly once we have key information, and full terms as soon as our partner insurers have assessed your risk.

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