Bakers of Cheltenham are one of the leading providers of Static Caravan insurance.
This policy is only available for static holiday caravans sited in the UK.
Quotation assumptions
In providing you with a quotation we have assumed the following.
About the Proposer
About the Caravan
The caravan was built to BS3632 or BS4989 specifications and is sited on a licensed holiday park in the United Kingdom.
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The policy automatically includes a public liability indemnity limit of £2M and if necessary this can be increased to £5M subject to an additional premium of £15.
The policy provides cover in respect of accidental damage to underground pipes and cables, panels, televisions, video and audio equipment and computers; the breakage of glass in doors, windows, fan lights, sanitary fittings e.g. shower trays, sinks and toilets; fixed glass in furniture and ceramic hobs. It would not for example cover the accidental spillage of bleach or paint on a carpet.
The policy offers a choice of either new for old or market value cover. Should you require new for old cover the caravan must be insured for the cost of its brand new equivalent to include an allowance for site clearance, re-siting and delivery fees together with the value of any additions such as verandas, sheds and storage containers. You should also include an allowance for contents and equipment.
The caravan must be less than 15 years of age if it is to be insured on a new for old basis. Caravans up to 20 years of age can however be insured on a market value basis.
The policy provides full cover in respect of flood damage. However in view of the substantial losses, which have been experienced in recent years, there are a number of sites, which are subject to flooding, which may be subject to restrictions. For example the policy may exclude flood damage altogether or a policy excess may apply. If the caravan is sited on a site, which is liable to flood, please check with us first.
We are able to insure caravans, which are used as the main residence although it should be borne in mind that the policy is primarily designed for holiday caravans and the cover is therefore not as extensive as that which would normally be provided by a household policy. For example, it would exclude cover in respect of valuable items such as jewellery, sports equipment and cameras. If your caravan is less than five years old, is your main residence and the site benefits from at least a 10-month licence, it may qualify for our Residential Park Home Insurance. Please return to the quote page section marked Park Home insurance for more details. The Park Home product is more competitive and the cover more appropriate for a main residence.
You can pay in full by cheque, or you can pay in full by credit/debit card. Or you can pay by Direct Debit over 10 months; subject to a credit charge.
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Authorised and regulated by the Financial Services Authority (FSA) Registration Number: 300859. | ![]() |