Static Caravan Insurance Spain

Static caravans and mobile homes (casas móviles or mobil-homes) on residential campsites are a popular, affordable way for expats to live in or winter in Spain — particularly on the Costa Blanca, Costa del Sol, Murcia and the Costa Dorada. Because a static isn't a vehicle and isn't a conventional house, it falls between the cracks of ordinary Spanish insurance, and many owners discover at claim time that their "home insurance" never covered it. Here's what you need.

Is Static Caravan Insurance Compulsory in Spain?

There is no legal requirement, because a static on a pitch is not a road vehicle and needs no seguro obligatorio. However, almost every Spanish campsite and residential park makes it a condition of the pitch agreement that the unit carries at least third-party liability cover — typically a minimum of €150,000–€300,000 — and many require proof at each annual renewal. Fire spreading from one unit to its neighbours is the risk they are worried about.

What Static Caravan Insurance Covers

• The structure — fire, lightning, explosion, storm and flood damage to the unit itself. Statics are lightweight and vulnerable to the violent storms (DANA events) that hit the Mediterranean coast in autumn.
• Contents — furniture, appliances, electronics, clothing and personal effects, usually on a new-for-old basis up to a declared limit.
• Theft and malicious damage — campsites are often empty out of season, which makes statics a target.
• Public liability — injury to visitors or damage to neighbouring units, which is what the campsite requires.
• Decking, awnings, sheds and air-conditioning units — only if declared; these are the items most often damaged by storms.
• Alternative accommodation — if the unit is uninhabitable after a claim.
• Removal of debris and re-siting — the cost of removing a destroyed unit and placing a replacement on the pitch, which can run to several thousand euros.

Why Ordinary Spanish Home Insurance Doesn't Work

Standard seguro de hogar policies are written for bricks-and-mortar buildings with a cadastral reference. A static has neither, and many insurers will decline the claim or void the policy if the risk was described as a house. Specialist static caravan cover describes the risk correctly — make, model, year, dimensions and the campsite address — and prices it accordingly.

How Much Does It Cost?

Premiums depend on the unit's replacement value, age, the contents sum and the campsite location:

• Older unit, structure €15,000, contents €5,000: €150–€250/year
• Modern mobile home, structure €40,000, contents €10,000, decking and air-con: €280–€450/year
• Large lodge-style unit, structure €70,000+: €450–€700/year

Units on sites with 24-hour security and fire hydrant systems attract lower premiums.

Important Points

• Insure for full replacement value, including transport and siting costs — not the second-hand sale price.
• Declare whether it is your main home, a holiday home or let out; each is rated differently and letting requires a specific extension.
• Unoccupancy — tell us if the unit is left empty for more than 60–90 days at a stretch; some policies restrict theft and water-damage cover during long unoccupied periods unless you arrange it.
• Consorcio — Spanish policies automatically include the Consorcio de Compensación de Seguros surcharge, which pays for extraordinary events like floods and earthquakes. This is a genuine benefit of insuring in Spain rather than trying to use a UK static policy.

How We Help

Only a handful of Spanish insurers write static caravan and mobile home cover, and their appetite varies by region. We know which ones will quote for your site, we describe the risk correctly so claims are paid, and we issue the liability certificate your campsite asks for. Everything is in English, and we deal with the insurer for you if you need to claim.