Static caravan insurance is typically relatively easy to understand, providing you keep a few key points in mind.
The nature of a static caravan
This type of caravan is typically defined as being one that is semi-permanently located on the one site and on one pitch within the site.
Some policies may include specific stipulations relating to anchoring and the jacking up of the wheels etc. It may be permissible for the caravan to be moved to winter storage or occasionally to another site but typically these policies are not intended to cover caravans that are regarded as being tourers or regularly mobile (in which case, you may require insurance for touring caravans).
Another prime definition of a static caravan is that it is used for a few weeks or months each year, for the purposes of holidays and weekend breaks etc. If you live in a caravan on a permanent basis then it may no longer qualify as being a static caravan and as a result, static caravan insurance may not be suitable.
Elements of cover
A typical static caravan policy may provide cover against damage to the caravan and the structure, its contents and third party liability.
Some caravan sites may attempt to convince you that it is obligatory to use their insurance but this may not be the case and you may find that you are able to source a more cost-effective solution from a direct provider of caravan insurance.
Typically, there may be no legal requirement to have any form of static caravan cover, however, caution is advisable before you decide not to insure your caravan.
Even if you decide that it does not have sufficient value to justify your premium, keep in mind that if it causes accident or injury to someone or their property, a court may award substantial damages against you.
If you do not have the support of static caravan insurance behind you, the costs involved may prove to be quite literally ruinous.