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Caravan Insurance For Seasonal Pitch
This is the most common type of insurance for static caravans, however an increasing number are deciding to keep their touring caravans permanently on site. If you have touring caravan insurance in place and are thinking of keeping your caravan permanently, your insurance requirements may alter, and you should consult with your insurance provider. The demand for caravan seasonal pitch insurance has taken off since lockdown, and more holidaymakers are choosing staycations in the UK and NI.
It is not uncommon to change from touring caravan insurance to a seasonal or fixed pitch caravan insurance policy. In the beginning you wish to explore all the nearby and far away locations, but after a while you find one that ticks all the boxes and decide to permanently locate your caravan at that location.
A season pitch is also a practical solution for caravanners that do not have the space to store a caravan at their house or wish to forgo the hassle of hitching up and driving to the exact same location multiple timers per year. This will let you visit your favourite getaway location on a last minute whim.
Permanently sited touring and static caravans
The risk can be less for caravans that are on a permanent site, as they will no longer require road risk insurance. However, they do face other risk that include fire, theft, flooding and storm damage.
Can you leave a touring caravan on a site all year round?
Yes, many sites now provide all year round pitches for both touring caravans and static caravans. Summer seasonal pitches are also available, but most opt for the annual pitch for the pure convenience that it provides.
What insurance do you need for a permanently sited caravan?
Like house insurance, it is not a legal requirement to have caravan insurance. Having said that, most sites will insist that you have at leat third party public liability insurance. Public liability is designed to protect you against claims made by other or third parties against your pitch. A good example is not applying the handbrake correctly and your caravan slides into a neighbouring pitch, causing damage or injury.
What is covered by Caravan Seasonal Pitch Insurance?
The cover on offer should be similar in terms of what is covered. Expect a season pitch insurance policy to include cover for your caravan and contents for damage. The damage should include accidental damage, malicious or damage by vandalism and damage by fire, theft and storms and should include flooding.
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