Static caravan insurance - a guide

Static caravan insurance protects you against a range of scenarios related to your caravan.

Here's what's insured:

• Loss or damage to the structure of your caravan (including any veranda, fixed storage units where the specification has been agreed by local park management, built-in equipment, fixtures, fittings, furnishings and utensils supplied with the caravan at the time of purchase)

• Loss of any rent due to you if your caravan can’t be lived in following insured damage – up to £400 per week (£1,200 overall)

• Accidental damage to fixed glass and sanitary fittings

• Replacement of external door locks if keys are lost or stolen – up to £250

• Public liability up to £5,000,000 if you’re held legally liable (as the owner or occupier) for injury to a third party or damage to their property

• Accidental damage to any service cables and underground pipes that you are legally responsible for

Optional cover

• Contents cover – loss or damage to your contents

Our Bourne Leisure Caravan and Lodges arranged insurance provided by Aviva offers reassurance and cover for various scenarios. For full details, speak to a member of our caravan experience team at your chosen holiday park.

The price of your static caravan insurance will vary depending on factors such as the market value of your caravan, its age and extras such as decking, veranda and contents. At Haven, our caravan insurance is based on size.

Here's how you can pay:

• Online via the Owners website 

• Via a direct debit created by our team on park 

• By calling Bourne Leisure Owner Services on 0333 202 5300
  

Here’s the list of things that are not covered by our Haven insurance plan:

• Sheds and similar structures that don’t form an integral part of your caravan 

• Damage from wear and tear, electrical and mechanical breakdown, or gradual deterioration

• Wet or dry rot

• Storm damage to fences, gates, hedges, awnings or toilet tents

• Loss or damage if your caravan is overturned by storm or flood – unless it was fixed to
  the ground at all four corners of the chassis by suitable anchors     

• Certain losses or damage (eg, theft or malicious damage) caused by you

• Motorised vehicles, aircraft or watercraft

Optional cover:

• Theft of contents in the open

• Loss or damage caused by you

In addition to what is not covered listed above, there are also certain limitations that may apply to your policy, for example:

• The excess. This is the amount you must contribute or will be deducted from your settlement in the event that you should make a claim

• Monetary limits for certain covers

• Clauses that exclude certain types of loss or damage. For example: we won’t cover loss or damage from any escape of water if your caravan is not in use from 31 October to 1 March – unless the main stop cock has been turned off

Optional cover:

• We’ll cover against theft if the caravan has been broken into or out of, or entry has been forced

When does the cover start and end?

• Our Haven policy runs from the dates shown on your certificate until 30th April, then for 12 months thereafter unless you cancel the policy.

What if I want to cancel my insurance with Haven?

• As per your rights as a consumer, you can cancel your policy within 14 days of purchase or renewal (or from the day you receive your policy or renewal documents, if this is later). However, if you do choose to cancel your Bourne Leisure Caravan and Lodges arranged Insurance, you must provide us with proof of alternative insurance. If the insurance has already started when you cancel then we’ll simply reduce your refund to pay for the time you were covered.

To cancel your policy, contact Bourne Leisure Owner Services on 0333 202 5300.

You’re free to cancel your policy at any time during your period of cover, but you won’t have any regrets in choosing us as your insurance provider!

If you have questions about buying a holiday home, please don't hesitate to contact us. Call us, chat to us online or book a park visit, we'd love to hear from you.