Our excellent Holiday Home Insurance Policy is designed

to cover Static Caravans, Chalets, Lodges and Park Homes used for Holidays or as a second home

Overview

Here at Mobile Homes Insurance Service, we have been arranging cover for all things caravan for over 45 years and look after insurance needs for thousands of caravans across the UK.  This extensive experience in this niche insurance market has helped us put together our excellent Holiday Caravan and Lodge insurance package, offering market leading features at extremely competitive premiums. 

In addition to the features highlighted below, all of our policies also include Legal Protection cover.

Static Caravan Insurance 
 

Please note that, with effect from 28th September 2022, there has been a change of Insurer for this Policy and as such, some of the features listed below may differ from your Policy, if your cover began before this date.  If in doubt, please give us a call an we'll happily clarify your cover with you.

 

Key Features

  • New for Old and Market Value cover available

Should your caravan be worth £5k or £500k, we’ll have a Policy for you.

  • Accidental damage to the Caravan and Contents is included as standard

If you are insured on a New for Old basis, this cover is automatically included.

  • Cover all year round, whether your site is open or closed*.

No need to worry about taking your contents home during the close season                      .

  • No requirement to regularly check your home.

Unlike some of our competitors, our small print does not require you to inspect the home at least once a week.

  • Up to £15,000 additional cover included for Additional Expenses, including Delivery & resiting costs

Up to £10,000 for Caravans and £15,000 for Lodges and Chalets included free of charge with the Policy.

  • Cover for Computer and Gaming Equipment

Up to 40% of your Contents Sum Insured.

  • Loss of Rent and Alternative Holiday Accommodation included.

So there will be no need to worry about loss of rental income as well as a damaged home.

*Subject to terms and conditions, see Policy Booklet and Summary of Cover for full detail

Insurance Guide

When you consider the construction of a static caravan compared to, say, your ‘bricks and mortar' house, the likelihood of significant damage from strong winds, hail and even flooding is significantly higher. What may be an inconvenient matter of replacing carpets at home could be a write-off for a caravan. They are also far more susceptible to damage caused by frost and, given they can often be unoccupied most of the year, can be a target for thieves.

Here are a couple of suggestions to protect your home and choose the right insurance policy:-

  • Ensure you water system is fully drained by a proffessional over Winter.  When shutting the caravan up for the winter, pay the site or a local plumber to drain your system fully so that as little water is left in your system as possible. Even the slightest amount of residual water can freeze and cause a burst. Ensure the water is turned off at the mains to avoid any subsequent escape of water. Lagging all the pipes you can is also an excellent practice.
  • Ensure that you regularly maintain your property. Insurance policies are not designed to cover wear and tear so it is important that you have your roof and other structural aspects checked regularly to ensure the home remains in a good state of repair. Similarly, regular plumbing and electrics/wiring checks are always recommended. Insurers may check that such maintenance work has been carried out in the event of a claim, so keeping receipts will always be beneficial.
  • Check you have adequate cover for delivery, siting and clearance costs.  Many Insurers will happily cover your caravan, however in the event of your home being damaged beyond repair, it is not just the replacement caravan itself that you need to worry about. Caravan sites will almost always charge you to clear your plot of the debris from the old home and will charge you again to deliver your new home to the plot, site it and reconnect your services. Ensure that you're covered for these costs or you could find yourself significantly out of pocket in the event of a claim. We include up to £10,000 cover for these costs as standard with your Policy, and this increases to £15,000 if your home is built as a lodge or chalet.
  • Understand the differences between a ‘New for Old' policy and an ‘Indemnity' policy. Insuring New for Old means you need to make sure your caravan is insured for the cost to replace with a brand new equivalent from the manufacturer. Insuring on an Indemnity basis, or ‘Market Value' basis as it is often referred to, means you are insuring your caravan for its current value on the open market. It is important to consider for both types of cover that the amount you insure for is just for the caravan itself and does not take into account any increased value you feel the home may have due to its location. If you insure your home for more than what it is actually worth you will almost always pay a higher insurance premium but with no additional benefits in the event of a claim. This is one of the reasons why we try to keep your premium as low as we can and do not insure your home for a blanket figure of, say, £250,000 like some of our competitors do.
  • Check how much Liability cover your site requires.  Caravan Insurance is a mandatory requirement for many caravan sites over the country. Pay particular attention to what amount of Public Liability cover your site requires. Whilst the liability cover offered by Insurers can vary, we provide £5 million cover as standard with all of our policies.
  • Check the smallprint!  Be aware that some insurance polices that seem to offer great cover for a cheap premium may well have some undesirable conditions that are not clearly advertised at the point of sale. Some policies, for example, will remove the majority of the cover on your caravan if you fail to check on it on a weekly basis, exclude contents cover over the winter or may apply large excesses to the policy sections most frequently claimed under.

FAQ

How long will you cover my caravan New for Old?

If you're a new customer, we are able to offer New for Old cover for homes up to 25 years old.  If you're already with us, we may well be able to continue this cover for longer for you, provided you are maintaining your home in a good state of repair.

What should I do if I need to claim?

In the unfortunate event of you needing to claim under your policy, you should contact us a soon as possible and provide details of what has happened, when it happened and what losses/damages you wish to claim for. At this point your claim will be referred to the Insurers who will correspond directly with you going forward, ensuring everything progresses as smoothly and quickly as possible.

Do you cover Televisions, DVD Players and other Video/Audio equipment?

We cover these items as standard under the Contents cover.  We also offer cover for computer and gaming equipment in the caravan.  Please note however that we do not include cover for mobile phones; you will need to check with your home insurer to cover these whilst you're at the van. 

Will my holiday home be insured when I am not there?

Yes, our policies will cover your home and its contents all year round*, provided you take a few basic steps to securing your home and preparing for the cold weather.

Can I cancel my policy?

You are entitled to cancel your Policy within the 14 day cooling off period, under which circumstances you will receive a full refund of the premium you have paid, less any administration fees charged for arranging your Insurance.  After this period, you are able to cancel your Policy and you will receive a refund of premium, less a proportionate deduction for the time you have been on cover and any administration charges.  We will also deduct the value of our clawed back commission.

Documents

If your Policy Start Date is prior to 28th September 2022

If you require a copy of your Policy wording then please give us a call on 01926 468 777 or email us at enquiries@mhis.co.uk

If your Policy Start Date is from 28th September 2022 onwards

Please download a copy of your Holiday Caravan and Lodge Policy Wording below.  Printed copies are available upon request.

Holiday Caravan and Lodge Policy Wording September 2022 (pdf)

 

 

Please find below a link to copies of our Terms of Business for your information. Should you require any more details that cannot be obtained from these documents, please give us a call and we will be happy to talk things through with you.

Terms of Business (pdf)

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