Seasonal Pitch Caravan Insurance
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Keep your caravan protected on its seasonal pitch all year round. Compare quotes from specialist brokers offering cover for caravans sited on seasonal pitches, including storm damage, theft and accidental damage.
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Specialist cover for sited caravans
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Why seasonal pitch caravan insurance?
Are you the proud owner of a German Hobby caravan or a French Le Voyageur or a trusted British Bailey caravan? For most touring, each season is fun and lets you explore the different regions of the UK and Northern Ireland. However, after the initial exploring stage most of us find one location of beauty or interest or both, one that we love to return to time and time again. That is the time to look for seasonal pitch that will let you leave your touring or static caravan in a fixed location that is secure.
What is seasonal pitch caravan insurance?
Seasonal caravan pitch insurance is designed to specifically cover caravans that are parked on a specific pitch for an extended period, typically a season. The pitch is usually a holiday caravan park or a campsite. This type of insurance provides coverage for a variety of risks that might occur while the caravan is stationed on the pitch. Here are the key components that are normally included in of seasonal caravan pitch insurance policy, or you will have an option of adding.
Seasonal caravan pitch insurance provides peace of mind to caravan owners, ensuring protection for your caravan while you enjoy your time at your chosen holiday location. If you are reaching your seniors years, consider selecting a provider that will caravan insurance for seniors, as some have punitive upper age limits.
What to Consider When Choosing a Policy
Not all seasonal pitch policies are the same. Here are the key things to look at before you commit.
Fixed pitch risks are different to road risks. Check that your policy specifically covers weather damage, theft while stationary and public liability. These are the three areas where seasonal pitch owners are most exposed.
New for old replaces your caravan with a brand new equivalent if it is a total loss, but it comes at a price and is normally only available fro vans under 3 years old.
Insurers often make hitch locks, wheel clamps or alarm systems a condition of the policy. If you fail to meet specific security requirements, for example, agreeing to fit wheel locks when stationary but failing to do so, dont be surprised if the nsurer does not pay out if the campervan is stolen.
Watch out for exclusions around storm damage and flooding. In addition any restrictions on how long you can stay continuously as most policies will not cover you if it you are using it as a permanent residence.
Secure site storage, club membership and a good no claims history all help to bring down your cover costs.
Seasonal Pitch Caravan Insurance Cost
The cost of seasonal pitch caravan insurance varies depending on your caravan, the site and the level of cover you need. The main factors that affect your premium are:
- Caravan value: The more expensive your caravan, the higher the premium. Newer models with higher replacement costs will cost more to insure.
- Site security: Pitches on sites with CCTV, locked gates and 24-hour security attract lower premiums than unsecured locations.
- Level of cover: Adding awning cover, contents cover, public liability and new for old replacement will increase your premium but give you better protection.
- Towing cover: If your caravan stays on the pitch all season and you remove towing cover, you can reduce your premium significantly.
- Voluntary excess: Choosing a higher voluntary excess can lower your annual premium. Make sure the amount remains affordable if you need to claim.
- Claims history: A clean claims record can help keep your renewal premium competitive. Some insurers offer no-claims discounts on caravan policies.
