Leisure insurance
Willerby Caravan Insurance
cover for a Willerby holiday home on its pitch, through the season and through the winter
Cover for a Willerby holiday home standing on a park. It insures the unit, the contents and the owner’s liability, with weather and winter water damage the claims that dominate, and it is separate from the park policy.
- Built in Hull, sited on parks
- Winter conditions apply
- Separate from the park policy
- FCA authorised and regulated
Quick answerWillerby builds holiday homes in Hull rather than touring caravans, so a Willerby is insured as a sited unit. The subject is the pitch as much as the unit: storm and flood are the dominant claims, escape of water is the winter one, and the park operator’s policy covers the park rather than you. Tell us the unit and the park, and specialist UK brokers can come back with quotes.
New to park ownership? Our static caravan insurance page explains the arrangement.
At a glance
A Willerby on a Park: Six Essentials
Six things a Willerby owner should settle before the closed season.
- Willerby builds holiday homes
- Sited cover, not touring cover
- The closed season is the risk
- Empty units and frozen pipes
- The park sets the exposure
- Coast, river and shelter all count
- Replacement includes craneage
- Getting a new unit onto the pitch
- Liability is usually required
- Check the pitch agreement
- Contents drift out of date
- Review the limit each year
The basics
How a Pitched Willerby Is Rated
A Willerby stands where it is put, so the rating is about the pitch, the weather and the months the unit spends empty rather than about towing, storage or security devices.
The unit
Make, model, year and size.
Replacement cost
Including delivery and siting.
The park
Where it is and how exposed the pitch is.
Winter arrangements
Whether the system is drained down.
How it is used
Own use, family or letting.
What stands outside
Decking, steps and sheds.
How it works
A Willerby Quoted in Four Steps
Four questions cover most of it: the van, the value, the security and where it sleeps. The last of those carries more weight than owners expect.
Describe the van
Make, model, age and value.
Describe how it is used
Own use, family use, occasional letting or a closed winter season.
List the security fitted
Hitchlock, clamp, alarm, tracker.
Read the terms
Not just the premium at the bottom.
What it covers
The Cover a Willerby Actually Leans On
Cover for the unit itself, what is inside it and your liability as its owner, with weather doing more damage than anything else on a park.
| Section | Where it sits | What to know |
|---|---|---|
| Fire, impact and accidental damage | The main cover | Including damage during a move |
| Storm, flood and escape of water | Included | Frozen pipes are a winter problem |
| Contents | A limit of its own | Separate from the unit |
| Decking, skirting and steps | Commonly an add-on | Ask rather than assume |
| Public liability | Included | Required by a good many parks |
| Loss of rental income | Where you let it | Only if declared |
| Emergency access and repair | Sometimes included | Getting to a remote pitch |
The closed season is when claims happen. A unit nobody visits between autumn and spring can leak, freeze or lose a roof section without anybody knowing, which is why winterisation conditions exist and why they are checked.
What it leaves out
The Losses a Willerby Policy Turns Down
None of this is small print for its own sake. These are the gaps that catch caravan owners out, and several of them close by declaring something at the quote.
Water getting in over time
Damp is excluded or heavily limited on most contracts.
Frost and freezing damage
Unless the van was drained down as required.
Theft from an unapproved storage site
Where the policy names a site or a grade.
Items outside the van
Awning contents, cycles and gas bottles may need adding.
Hiring it out for payment
A different use, and a different policy.
Damage while the park is closed and the unit was not drained
Winterisation is a condition, not a suggestion.
The Willerby range
The Willerby Range Found on Parks
Willerby covers most of the park market, and the size and specification of the unit does more to the premium than the model name.
Single static holiday homes
The standard park unit.
Twin units
Joined together on the pitch.
Lodge-style units
Larger, higher specification.
Coastal park units
Wind, salt and exposure.
Older units
Where settlement basis matters.
Units used by several families
Shared through the season.
Another park brand? See Atlas caravan insurance.
Who it suits
The People Buying a Willerby
Willerby owners buy a place rather than a vehicle, and the insurance question follows from that more than from the badge on the unit.
Families with a seasonal base
The usual buyer.
Retired owners
Long stays through the open months.
Owners letting the unit
Summer income, declared.
Coastal and lakeside owners
Higher exposure pitches.
Owners on closed-season parks
Months of empty standing.
Buyers of used Willerby units
Value and condition questions.
Living on the park permanently? See park home insurance.
Open season or winter
Season Open vs a Willerby Through Winter
A holiday home lives two lives: occupied through the season and empty through the winter. The second of those produces a surprising share of the claims.
| Open season | Winter | |
|---|---|---|
| Who is there | You and your guests | Nobody, for months |
| Main risk | Accidental damage and storm | Freezing, leaks and storm |
| What the policy asks | Normal care | Drain down and secure |
| How a loss is found | Straight away | Possibly weeks later |
Comparing sited cover generally? See static caravan insurance.
Cost
The Factors Behind a Willerby Premium
The unit, its age and value, the park, the exposure and the claims record. We do not print average premiums.
Why the park is the biggest single factor
Storm and flood are the dominant losses on sited units, and both are decided by where the park is. An exposed coastal pitch and a sheltered inland one can produce very different figures for the same Willerby.
Why the empty months are rated
A unit standing unvisited through winter can suffer a leak that runs for weeks before anybody sees it. Insurers ask about the closed season and about what you do before it starts.
What the quote is rated on
The main factors
- The unitMake, model, age and sizeBase
- ValueReplacement cost, not purchase priceRate
- The parkLocation, flood and coastal exposureRate
- UseOwn use, family use or lettingRate
- Claims recordRecent yearsAdjust
Know the park’s exposure
Coast and river both count.
Drain it down for winter
Freezing claims are excluded otherwise.
Value it for replacement
Including siting and delivery.
The conditions
Four Things a Willerby Owner Must Settle
Conditions are where caravan claims are won and lost. The four below come up repeatedly.
Meet the declared security standard
Clamps, hitchlocks, alarms and trackers.
Register the van properly
A CRiS number links it to you.
Keep to the storage arrangement
Moving it changes the terms.
Drain the system down for winter
Freezing damage is excluded where it was not.
Quote checklist
Pull This Together for a Willerby Quote
None of it is hard to find. Having it to hand is the difference between a quick quote and a drawn-out one.
Make, model and berth
Make, model, year and whether it is a single or twin unit.
Where it sleeps
The park, the pitch and how exposed it is.
Value and contents value
Two separate figures.
Security specification
What is fitted and what could be.
Everybody who tows it
Ages and licence history.
Previous claims
Including on the towing car.
Comparing
Setting Two Willerby Quotes Side by Side
Set two quotes side by side and work through this. The differences will be here rather than in the premium.
The settlement basis
- New for old while the van is young enough
- Agreed value on older or rarer vans
- Market value, and what that means in practice
Where you can use it
- Days permitted in Europe
- Rallies and unlisted sites
- Seasonal pitches and long stays
On this van specifically
- Decking and steps included
- Re-siting and craneage costs
- Loss of use or alternative accommodation
Ask what the park’s own policy actually covers. It is the question owners forget to ask the park. Unfamiliar terms are explained in our plain English jargon guide.
Cutting costs
Trimming the Cost of a Willerby
The levers are winterisation, an accurate value, declared structures and a clean record. We publish no savings figures.
Winterise it properly
The condition is checked.
Set the value accurately
Neither short nor wildly over.
Declare the decking
Or it may not be paid for.
Keep a clean record
Claims history counts here too.
Review the contents limit
It drifts out of date.
Compare every renewal
Park cover is not your only option.
Glossary
The Words Behind a Willerby Policy
The words that come up when a Willerby holiday home stands on somebody else’s land.
- Pitch fee and licence
- What you pay the park, and the terms attached.
- Siting
- Positioning and connecting a unit on its plot.
- Park cover
- The owner’s policy, which does not extend to your unit.
- External structures
- Decking, steps, sheds and hot tubs, each declared.
- Closed season
- The period a park is shut, when units stand empty.
- Twin unit and lodge
- Larger holiday homes, rated above a single static.
- Wind uplift
- Storm damage lifting a roof or cladding.
- Water escape
- Burst pipes, the classic winter claim.
- Letting income
- Rental income, insurable only where declared.
- Excess
- The part of any claim you pay yourself.
Why MyMoneyComparison.com
Why Willerby Owners Compare Through MyMoneyComparison.com
MyMoneyComparison.com is an FCA-authorised UK comparison service that introduces caravan owners to specialist brokers. We do not sell insurance and we do not give advice: the broker you choose arranges the policy. Using us is free.
One form, one caravan
Describe the caravan once, instead of repeating yourself to each broker.
Advice given
We are an introducer, not a broker. We do not sell policies and we do not recommend one insurer or product over another. Read our editorial policy.
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MyMoneyComparison.com Ltd appears on the FCA register under FRN 916241.
Incorporated
A UK company since 2013. FCA authorisation is separate and later; the register carries its date.
FAQs
Willerby Caravan Insurance FAQs
Answers on the park’s own policy, storm damage, contents, decking and letting the unit out.
Is a Willerby a touring caravan?
No. Willerby builds holiday homes for park pitches rather than caravans for towing, so cover is arranged on a static basis. A touring policy would not be the right product at all.
Does the park cover my Willerby?
The park operator insures the park, their buildings and their own liability. Your unit, your belongings and your liability as owner sit outside that, and many parks require you to hold cover as a condition of the pitch.
What has to be done before winter?
Draining the water system down is the usual requirement, and it is written into the policy rather than offered as advice. Freezing damage in a unit that was not drained is routinely declined.
How should I set the sum insured?
On the cost of replacing the unit and getting it back onto the pitch. Transport and craneage are substantial, and leaving them out is the commonest way a settlement falls short.
Is the decking included?
Usually only when declared. Decking, steps and any shed stand outside the unit and are normally added to the policy rather than assumed within it.
Can I let the unit out?
Yes, provided the insurer knows. Paying guests change the contents exposure and the liability position, and an undeclared letting arrangement puts a claim at risk.
What if the unit is older?
Older holiday homes are routinely insured. Age affects how a total loss is settled and sometimes the choice of insurer, but condition and the park carry more weight than the year of manufacture.
Do I need liability cover?
A good many parks insist on it before they will grant a pitch. It responds if a visitor is hurt at your unit, and steps, decking and gas installations make that a real possibility.
What does a caravan policy actually cover?
Sudden damage to the van, theft, storm and flood, a limit for contents and usually liability while it is pitched. What it does not cover is gradual deterioration, which includes damp.
How should I value the caravan?
On what it would cost to replace with an equivalent, not on what you paid. Values move, and a figure that was right three years ago will usually be short today.
Are my belongings inside it insured?
Up to a limit, which is separate from the van itself and often lower than owners expect. Anything of real value is worth declaring individually rather than hoping the general limit stretches.
Can I tour in Europe on it?
Usually, once it is declared, and commonly with a cap on the number of days. Tell the insurer before you go rather than assuming the cover travels with you.
What happens if it is stolen from storage?
The policy responds, provided the security you declared was in place and the site is the one on the schedule. Those two conditions decide most caravan theft claims.
Should I fit a tracker?
On a higher-value van it is usually worth it. Recovery rates improve considerably and insurers recognise that, particularly on twin-axle vans, which are attractive to take and easy to move.
Does a service history help?
Yes, and especially the damp check. Damp is excluded as a gradual loss, so a documented history of it being looked for and dealt with protects you when something sudden happens nearby.
What if I change storage site?
Tell the insurer before you move it. Storage is a rated field and a quiet change is the kind of thing that surfaces awkwardly after a theft.
Ready when you are
Put Your Willerby in Front of Brokers
Tell us about the Willerby holiday home and the park. Specialist UK brokers can then come back with quotes. Free to use, with no obligation to buy.
- Statics, lodges and twin units on UK parks
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About this page
This page explains UK Willerby caravan insurance: cover for a Willerby holiday home on a park pitch, the winter conditions attached to it, and what the park’s own policy does not reach. It is general information rather than advice. Policies differ between insurers, so read your own documents and put the questions raised here to your insurer or broker.
How we approached this page
- Published UK caravan and holiday home policy summaries
- Pitch agreements, storm and flood exposure and park requirements
- Financial Ombudsman material on motor insurance complaints
Legal & Regulatory Information:
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