Why choose NACO to insure your static caravan or holiday lodge?
We pride ourselves on providing the best level of customer service for static caravan insurance, advice and support for all of our members.
Don't just take our word for it, read what our members have to say.
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Our Insurance Policy Benefits
We’ve been offering our static caravan insurance policy to our members for over 15 years. During this time we’ve worked closely with underwriters at Lloyd’s to offer caravan owners an exceptional policy in terms of value & cover. Our aim is to provide a first class service coupled with a holiday caravan policy that's been specially tailored to best suit the demands and needs of our membership. Our helpful and knowledgeable team are happy to provide guidance and information about the policy and are only a phone call away!
Protection against fire, theft and storm damage
£15,000 debris removal and re-siting
£5 million public liability insurance
£1,000 locks and keys cover
£1,000 vermin cover
£1,000 freezer food cover
£75 standard excess
Accidental damage cover as standard
Loss of rent & accommodation costs
Underwritten by Lloyd's of London
Please note that all quotes are subject to certain underwriting terms and like any insurance policy, certain things won’t be covered. Make sure that you check the exclusions listed in our static caravan insurance policy. Your insurance policy will not cover damage as a result of lack of maintenance and wear & tear. Our standard policy excess is £75 although higher excesses apply in certain circumstances.
Our insurance policy is for NACO members only and membership is annually renewable. NACO is an Authorised Representative of Leisure Home Insurance and if you'd like to obtain a quote without NACO membership this can be facilitated through their website at www.leisurehomeinsurance.com or by calling them on 0800 32 88 456. We only insure static holiday caravans on licensed UK holiday parks.
There are certain areas in which we are unable to provide cover at all and in others there are restrictions and uplifts with regard to the provision of flood cover.
How to make an Insurance Claim
All our claims are dealt with in-house by our experienced team. This means that any insurance claims can be dealt with quickly and efficiently. Sometimes we’ll instruct an adjuster to handle the claim, but this tends to be for bigger value losses.
If you need to make a claim call us now on
We’ve also got a handy guide on how to make a static caravan insurance claim.
Read our static caravan insurance claims guide
Our commitment to excellent customer service
When the time comes for you to buy or renew your static caravan insurance, you should always keep NACO in mind, we have offered static caravan insurance for a number of years and we are heavily regulated by the financial conduct authority, due to this we have to offer policies that are effective and monitored for our clients. Static caravans need cover for numerous issues such as accidental damage, content cover, loss or damage of contents.
Taking out a brand new policy can sometimes be unnerving, if you are looking for a caravan insurance quote be sure to get in touch with our team, we are always more than happy to discuss your specific needs and requirements, including any site-specific needs you might have. From when the policy is issued to completing any claims, there's a variety of reasons why NACO, a UK insurer should be your first port of call.
NACO offers specialist static caravan insurance that has been designed around the extensive knowledge and understanding of our team, we understand the needs of insurance for static caravans. Due to this knowledge, our team will make sure your policy includes the additional provisions you need, ones that you won't automatically find in standard insurance policies; rent-loss and vermin cover.
Do I need static caravan insurance?
Yes! We cannot emphasise enough how much a static caravan needs to be covered by insurance, at least up to its market value. You should always take advantage of static caravan insurance, it will only work in your favour when something goes wrong, granted it doesn't always happen, but surely it is better to be prepared at your caravan park home than have something bad happen that you can't afford the cost.
When it comes to static insurance it is always recommended to choose a company that is regulated by the financial conduct authority FCA, even if you are going through the process of new for old policies. Across the UK, it is recommended to have insurance, get in touch with us today to start planning your quotes. Or to even take out a policy. It is a huge investment for your static caravan and also helps cover you for the limited chance of damage caused.
What is not included in caravan insurance?
When it comes to static caravan insurance it depends on what you are looking for, the company you choose and the money you want to spend. Compare multiple policies to find the right one for you. First of all, you need to decide whether you are insuring on a new for old basis or market value.
Once a decision has been made and an insurance policy has been bought, it depends on the insurance company and also the policy you have chosen as to what is included. This fully depends on the insurance company, being registered in England means there are guidelines to follows for our services, but we will try out best to accommodate your needs.
Do my contents insurance cover items in my caravan?
If you have contents insurance for your home, your static caravan is not normally covered by this policy. You will need to make sure your static caravan insurance policy has contents insurance as part of the policy. This will cover you for items such as furniture, TVs and appliances should anything happen that causes damage or loss of property.
It is recommended to go down the route of having static caravan insurance with the add on of contents insurance, by doing this you are simply making sure all of your possessions are insured and taken care of should anything go wrong down the line.
Storm and flood cover as extra with your static caravan insurance
The weather damage may cause several problems like broken sky lights or your caravan might get damaged by high winds. NACO covers storm damage as standard with your policy, you can also get access to alternative accommodation when you are in need, further information on this will be in the fine print of your policy.
If your static is within a flood risk area it may not be covered by other insurers or will not provide flood cover at all. The covered area may have additional terms including the use of flotation devices or in high flood zones. Speak to one of our team today to find out more about this.
Theft or attempted theft of your static caravan
For most static caravan owners, theft and criminal activity is the main concern, especially for owners who do not live in their static, which is a large portion of caravan owners. When it comes to having static caravan insurance policies we recommend including burglary and theft cover. By doing this you can be assured your static caravan is protected should anything happen.