Staveley Head caravan insurance review

We’ve analysed the touring and static caravan insurance through Staveley Head, which says it will offer discounts for tight security measures.

Whatever type of caravan you own, you’ll want to know it’s protected. Staveley Head says it can cover most UK- and EU-made touring caravans and will include 90 days of European cover as standard.

This company says it will offer discounts for increased security. Here’s what else we think you should know about this award-winning broker.

Towergate Caravan Insurance

Towergate caravan insurance

Find the right cover for your caravan today:

  • Range of cover includes static and touring caravan insurance
  • New-for-old cover available in all caravan insurance
  • Optional extras such as legal expenses and European cover
  • Accidental damage available across all policies

    Who is Staveley Head?

    Set up in 1991, Staveley Head has more than 20 years of experience in the insurance industry. The specialist broker offers a wide variety of specialist caravan, car, motorbike, motorhome, home and travel insurance as well as other commercial vehicle and business insurance.

    Staveley Head caters for static and touring caravans. It can provide cover for most UK and EU-made touring caravans but it cannot cover any that are stored outside of the UK.

    It can cover static caravans based in England, Wales, Scotland, Wales, Northern Ireland, the Isle of Man or the Channel Islands.

    What types of caravan insurance are available?

    • Touring caravan insurance. This is relevant for anyone towing a caravan on the roads for leisure. This is not a legal requirement but worth considering to keep a caravan protected whilst being towed.
    • Static caravan insurance. This type of insurance is best suited to a caravan that is permanently fixed in one place. Although this is not a legal requirement, most holiday parks will require a basic level of protection in the form of caravan liability insurance.

    What is covered under my Staveley Head caravan policy?

    We highlighted some of features and benefits you get with Staveley Head.

    • Cover for all damage, including storm and flood
    • European cover up to 90 days
    • Family cover
    • Loss of use and hiring charges cover
    • Contents cover
    • UK and EU accident recovery
    • New for old cover available

     
    Check your policy details carefully to ensure you have the right cover for your needs.

    • Fire, lightning, explosion or earthquake cover
    • Storm or flood cover
    • Theft or attempted theft cover
    • Vandalism cover
    • Key and lock cover
    • Accidental breakage of glass
    • Loss or damage to freezer food due to extreme temperature change
    • Alternative accommodation

     
    Check your policy details carefully to ensure you have the right cover for your needs.

    Optional extras

    The following extras that can be bolted onto a Staveley Head caravan policy:

    • Breakdown cover
    • Excess protection
    • Legal expenses cover

    Compare caravan insurance

    Updated May 23rd, 2019
    Name Product Available Cover Offer Details
    Accidental damage, new for old, emergency accommodation, European cover
    Up to 20% off no claims, Caravan Club & security discounts
    Underwritten by UK insurer Royal & Sun Alliance PLC (RSA)
    Accidental damage, new for old, emergency accommodation costs, special occasions
    Up to 20% off no claims, Caravan Club & security discounts
    Underwritten by UK insurer Royal & Sun Alliance PLC (RSA)
    Accidental damage, internal & external contents, new for old
    -
    Underwritten by Royal & Sun Alliance insurance PLC (RSA)
    Accidental damage while towing, new for old, theft or attempted theft, public liability
    -
    Underwritten by Towergate Underwriting Group Ltd and AIG Europe Ltd
    Accidental damage, new for old, theft public liability
    -
    Underwritten by Towergate Underwriting Group Ltd and AIG Europe Ltd

    Compare up to 4 providers

    General exclusions

    Staveley Head has some exclusions that apply:

    • When your caravan is being used for a purpose not included under your policy
    • General wear and tear
    • Rust, corrosion rot or any gradual deterioration
    • Mechanical faults
    • Deliberate or criminal acts
    • Any loss or damage that occurred before the policy start date

    Check your policy for further details to confirm your cover is valid.

    How to save on your caravan insurance policy with Staveley Head

    • Increase security. Fitting security alarms, immobilisers, tracking devices or cameras could be a good way to deter thieves and earn discounts on you premium.
    • Increase the excess. Agreeing to pay a bigger voluntary excess could make your overall premium cheaper. But remember that your insurer won’t pay out for a claim that costs less than your excess. So be careful about making it too high, as it could leave you out of pocket if damage occurs.
    • Increase safety. Installing devices such as electronic anti-snaking devices, axle wheel locks to the caravan chassis or tyre pressure monitoring systems to caravan tyres, could result in additional discounts.
    • Join a club. Some insurers offer discounts if you become a member of a camping, touring or caravanning club or association.

    What is my excess?

    Your insurance excess is the amount of money you have to pay towards a claim. Your insurer won’t pay out for a claim that costs less than this amount.

    A voluntary excess is normally an amount set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess, which could in turn reduce your premium.

    Meanwhile, a compulsory excess amount might vary depending on the age and standard of your caravan or your driving experience.

    You’ll find details about any compulsory or voluntary excesses in your policy document.

    What is the claims process for Staveley Head?

    You can call the Staveley Head claims line on 0333 370 9999 to make a claim.

    You’ll need to have your insurance policy details as well as all facts about any incident to hand.

    It’s important that you let your insurer know about an incident as soon as possible, even if it’s not your fault. A delay in reporting an incident or failure to report it could result in a rejected claim later on.

    Frequently asked questions

    *Disclaimer: Please take reasonable care to answer all the questions honestly and to the best of your knowledge. If you don’t answer the questions correctly, your policy may be cancelled, or your claim rejected or not fully paid.

    The offers compared on this page are chosen from a range of products finder.com has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms ‘Best’, ‘Top’, ‘Cheap’ including variations, are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

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