Seasonal Pitch Caravan Insurance: What To Look Out For

Nov 12, 2025

Parking your caravan for the season? 🏕️ Don’t let surprises ruin the fun! Seasonal pitch caravan insurance is your safety net—protecting your home-on-wheels and Seasonal Awnings! from theft, storms, and mishaps. Here’s why smart travellers never skip it—and how the right cover keeps your peace (and wallet) intact.

Why Your Standard Touring Policy Isn't Enough for a Seasonal Pitch

The Critical Shift: From Road Risk to Fixed-Site Risk

Seasonal pitch caravan insurance is designed for caravans that remain parked on one site for long periods.
A standard touring policy focuses on road use, towing, and travel-related risks.
Once your caravan stays in one place, the risks change—exposure to weather damage, site hazards, and theft all increase.

Having the correct cover ensures you’re protected even when your caravan isn’t moving.

Caravan awning with arched windows attached to a caravan on a grassy field with cloudy sky in the background.

Exclusion of Towing: When Your Caravan is No Longer Covered on the Road

Once your caravan is fixed on a pitch, towing coverage often no longer applies.
If damage happens while stationary or when being repositioned within the site, a standard touring policy may not protect you.
Switching to a seasonal pitch policy closes that gap in cover.

Mandatory Public Liability: Site Requirements and Third-Party Damage Protection

Many caravan sites require public liability insurance before allowing long-term stays.
This type of cover protects you if someone is injured on your pitch or if your caravan or awning causes accidental damage to others.
Without it, you could face expensive claims and site penalties.

The 'Permanent Residence' Clause: Avoiding Policy Invalidation

Spending too much time at your caravan may trigger a ‘permanent residence’ clause, which can invalidate your policy.
Most insurers set limits on how long you can stay continuously, so it’s worth checking before settling in for the whole season.

Defining a 'Seasonal Pitch' for Insurers

Continuous Occupancy vs. Vacancy Rules

A seasonal pitch is a fixed spot where your caravan stays for several months, often throughout spring and summer.
Insurers make a clear distinction between occupancy and vacancy.
Some offer cover even when your caravan is empty, protecting it against theft, vandalism, and storm damage during quiet periods.

Caravan awning set up on a bright green field with outdoor chairs and table, surrounded by hills under a clear blue sky.

Winter Storage and Off-Season Coverage

When the season ends, ensure your insurance includes winter storage cover.
It protects your caravan from weather damage, frost, or break-ins when you’re away.
Winterisation—such as draining systems and sealing openings—is also key to keeping your policy valid.

The Difference Between Seasonal, Annual, and 'Store & Stay' Policies

A seasonal policy only applies during your stay at one site.
An annual policy provides year-round protection, while ‘store & stay’ options combine storage-time cover with brief travel or stay periods.
Understanding these terms ensures you always have the correct level of protection.

Essential Seasonal Coverages You Must Check

Protecting Against Site-Specific Risks (Theft and Weather)

Caravans parked for months are vulnerable to theft, vandalism, and severe weather.
A comprehensive seasonal policy covers these issues and often includes protection for floods, fires, and accidental damage.
Knowing what’s included gives peace of mind all season long.

Security Device Requirements: Hitch Locks, Wheel Clamps, and Alarms

Most insurers expect owners to use hitch locks, wheel clamps, or alarms.
These devices deter thieves and can help reduce your premiums.
Keep receipts and installation records for proof of compliance.

Storm, Hail, and Flood Cover: The Importance of Site History Checks

Before choosing a pitch, check the site’s flood or storm history.
Areas with repeated weather damage may increase insurance costs or exclusions.
Selecting a secure, well-drained location helps reduce both risk and premium.

The Flood Risk Exclusion: Checking if Your Pitch Location is Insurable

Flood damage is not always included in a standard policy.
Some sites are classed as high-risk and may need separate flood cover.
Confirm with your insurer that your pitch is fully insurable before you commit.

Contents and External Fixtures

Awning Coverage: Damage While Left Erected and Exclusions

Seasonal Awnings often remain up for long periods, which can increase wear or wind damage.
Many insurers exclude claims for awnings left erected during storms or when the caravan is unattended.
It’s best to double-check these terms to avoid surprises.

Contents Value: Insuring High-Value Items Left On-Site

Your contents insurance protects personal belongings—such as TVs, appliances, and leisure equipment—inside the caravan.
Make sure your declared value reflects what’s actually stored there.
Under-insuring could reduce your payout in the event of a claim.

Frost and Vermin Damage: Common Exclusions to Look For

Frost and vermin damage are common but often excluded.
Regular inspections, pest deterrents, and proper winter care can help maintain your cover and avoid unnecessary repairs.

Grey caravan awning attached to a white caravan on a white background.

How to Secure the Best Seasonal Pitch Insurance Deal

Maximising Discounts and Policy Value

The Role of CaSSOA Storage: Getting Discounts for Approved Security

If you store your caravan at a CaSSOA-approved site, you could qualify for a lower premium.
These storage facilities meet higher safety standards with secure access, CCTV, and regular monitoring.
Always keep proof of storage for insurer verification.

Understanding Settlement: New for Old vs. Market Value

When claiming, settlement options vary.
A ‘new for old’ policy replaces your caravan with a new model, while a ‘market value’ policy pays based on depreciation.
Choosing the right one depends on your caravan’s age and worth.

Policy Adjustments: Increasing Voluntary Excess for Lower Premiums

Opting for a higher voluntary excess—the amount you pay towards a claim—can reduce monthly costs.
Just ensure it’s a figure you’re comfortable paying if an incident happens.

Family and Friends Cover: Using the Caravan While You're Away

Some insurers allow family or friends to use your caravan when you’re not there.
Others restrict use strictly to the policyholder.
Clarify this detail if you plan to share your caravan for occasional visits.

Being mindful of noise keeps the atmosphere peaceful for everyone.

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