DRY WEATHER SPARKS CARAVAN FIRE ALERT

With the UK experiencing its driest spring in over a century and the mercury rising fast this summer, Compass, a leading provider of caravan and leisure insurance, is urging static caravan owners to take urgent steps to reduce the risk of fire.

Static caravans are particularly vulnerable during extended periods of hot, dry weather. Their fixed positions, close proximity to neighbouring units, and lightweight construction—often using plastic and thin cladding—can cause fires to spread rapidly.

The added presence of LPG gas cylinders, if not stored or maintained correctly, only heightens the danger. The warning follows a notable surge in fire-related claims. Between June 2022 and May 2023, Compass recorded fire claims totalling over £165,000—more than six times the previous year’s total and representing 10% of all caravan and park home claims.

With summer 2025 expected to rival 2022’s record-breaking heat, the risk is growing. Kevin Minnear, Head of Underwriting at Compass, said: “Caravans are a fantastic way to enjoy the outdoors, but they carry serious fire risks, especially in hot and dry conditions. We’ve seen too many families lose their holiday homes and belongings to fire.

We’re asking everyone to stay vigilant and follow basic safety practices.” Common causes of caravan fires include barbecue use near units, careless disposal of cigarettes, unattended cooking, faulty gas appliances, and electrical faults. Fires in caravans are statistically more likely to result in serious injury or death than those in conventional housing.

"WE'RE ASKING EVERYONE TO STAY VIGILANT AND FOLLOW BASIC SAFETY PRACTICES."

TO HELP PREVENT FIRES, COMPASS ADVISES CARAVAN OWNERS TO:
• Keep barbecues well away from units and dry grass.
• Never smoke inside; use ashtrays and dispose of cigarettes properly.
• Store gas bottles securely outdoors, away from direct sunlight.
• Install and regularly test smoke alarms.
• Avoid open flames—opt for battery-powered lighting.
• Equip caravans with a fire blanket and extinguisher.
• Avoid overloading sockets and have electrics checked regularly.
• Keep all escape routes clear and accessible.

Insurance also plays a key role in recovery after a fire. Compass recommends that caravan owners review their policies to ensure comprehensive fire cover, maintain an inventory of contents, and understand their entitlements to temporary accommodation or replacement items.

“Fire spreads fast, just one spark can be devastating,” Minnear added. “But by taking these simple steps, owners can protect their property and their loved ones. Prevention is always better than cure.”

Compass Insurance
0344 274 0276
www.compass.co.uk

 

THE SUNNY SIDE UP

With more holiday parks embracing photovoltaic (PV) solar panel systems to cut energy bills and lower their carbon footprint, protecting that investment is more important than ever.
While solar energy can provide long-term savings and environmental benefits, it also introduces new risks that require careful insurance planning.

COVER FOR PROPERTY DAMAGE
PV systems are vulnerable to damage from weather events, vandalism, and accidental impacts.
Parks should speak with their insurer to confirm that their existing property policy includes cover for storm damage (including hail and high winds), fire, electrical faults, theft, vandalism, and accidental damage from incidents like falling branches or vehicle collisions.

MITIGATING BUSINESS INTERRUPTION
For parks that rely heavily on solar power, a damaged system can impact operations.
Business interruption insurance can protect against loss of income while repairs are underway, helping to minimise disruption to guests and maintain cash flow.

LIABILITY AND COMPLIANCE
Public liability insurance is crucial for protecting against claims arising from solar panel-related injuries or property damage—such as falling panels or electrical fires from faulty installations.
It’s also essential to work with an MCS (Microgeneration Certification Scheme) certified installer who carries appropriate liability cover. This helps ensure installations meet strict safety and compliance standards.

BEVERLEY HOLIDAYS CARAVAN PARK, nestled in the English Riviera, unveils the brand-new Solar Signature Eco and leads the way in eco-tourism

SECURITY AND THEFT PREVENTION
Because solar panels can be attractive to thieves, insurance should include theft protection. Parks can reduce risk by installing CCTV and motion-sensor lighting.

ENVIRONMENTAL AND FIRE HAZARDS
PV solar systems include materials—like lithium-ion batteries—that may be hazardous if damaged. Pollution liability insurance offers added protection against environmental claims.
Fire risks can also arise due to moisture ingress, dirt buildup, or substandard components. The Fire Protection Association (FPA) recommends using non-combustible roof surfaces, appropriate fire-rated materials, and ensuring inverters are installed in safe, ventilated areas.

TOP TIPS FROM PIB INSURANCE
• Choose MCS-certified installers for design, installation, and maintenance
• Consult your local fire service to flag any firefighting challenges
• Fit fire switches that isolate both AC and DC sides of the system
• Keep inverters at least two metres from combustible materials Even in low light, solar panels can generate current—posing risks during emergency response.

Understanding the hazards and putting the right insurance and safety measures in place can ensure parks reap the rewards of solar power without the pitfalls.

PIB Insurance
0330 058 9863
Dave.Moffat@pib-insurance.com