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Residential Caravan Insurance

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Residential caravan Insurance

Choose from the best residential insurance quotes at Quotezone.co.uk

More and more people are opting to live permanently in static caravans. It can free up your finances but also allow you to live in a community of like-minded people. Here we navigate you through the questions you might have about finding the right insurance for your static caravan.

Am I legally obliged to insure my residential caravan?

You are not legally obliged to insure your residential caravan. That said, many parks and site will insist on insurance as a condition of being allowed to stay on the site.

What is covered in residential caravan insurance?

Caravan insurance, like many other insurance products is multi-faceted. This means you can buy cover that suits your circumstances and your budget.

Caravan insurance will cover you against fire, theft, flood and storm damage. You can also add cover for contents, which if this is your main abode, you will want to do.

You can choose new for old or market value cover as part of your policy. This simply means, if you choose new for old, should anything happen to the caravan, you will receive the purchase price back. If you opt for market value, you could receive substantially less than you originally paid. This is because caravans depreciate in value over time.

What about utility cover in case of emergency?

Home Emergency cover is also an option with residential caravan insurance. This means you will receive faster help with any emergencies involving utilities. You may also want to include legal protection in you policy.

Don’t forget to make it clear when searching for insurance cover for your static caravan, that you live permanently in this residence.

Does residential caravan cover include damp?

Most caravan insurance policies do not cover damp. Knowing what to look for is the owner’s responsibility.

Do I pay council tax on a residential caravan?

It depends whether you live in the static caravan all year round, or you use it as a holiday caravan. You will be subject to council tax if this is your sole or main residence. If you pay council tax at your main address, you will not be deemed liable to pay council tax on your static caravan.

Can I live in my residential caravan all year?

Yes, you can live in your residential caravan all year. However, you can only reside permanently in a static caravan if you live on a residential park. These venues will be private property and will have the local council’s permission to operate as a park home.

Where can I get residential caravan insurance?

We have been protecting our service users for over 10 years. We take the things that are precious to you very seriously and we strive to do all we can to find the right policy for you. Find us at Quotezone.co.uk.