Caravan insurance

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Caravan insurance

What is caravan insurance?

Caravan insurance is designed to protect your caravan against damage and theft. Whether you own a touring caravan or a static caravan, you could be glad of having caravan insurance in place if something goes wrong.

It insures you against things like bad weather, accidental damage, theft and vandalism. Specialist caravan insurance can also come with a range of additional benefits and/or optional extras.

Types of caravan insurance

There are two levels of caravan insurance to choose from:

New for old is the highest level of caravan cover available. It can replace your caravan with a brand new one if it's stolen or damaged beyond economical repair.

Market value covers up to the value of your caravan at the time of the incident. Market value caravan insurance is cheaper than new for old caravan insurance.

What are the differences between static and touring caravans?

Static caravans are fixed in one place and used as holiday homes, so static caravan insurance tends to be a bit like home insurance. It can cover your caravan and its contents for loss or damage in the event of things like bad weather, flood, fire, theft or vandalism.

Touring caravans give you the freedom to move around – you can tow them with your car when you go off on holiday. So touring caravan insurance also covers your caravan when it's being towed. Your car insurance won't cover a touring caravan against damage, so you’ll need touring caravan insurance if you want to protect it.

Do I need caravan insurance?

Caravan insurance isn’t a legal requirement like car insurance. But you might be relieved you took out caravan insurance if your caravan is badly damaged or damaged beyond economical repair.

For example, if you’re in a road accident and you don’t have caravan insurance in place, you could have to pay for any damages yourself. You may be able to claim on the other driver’s insurance policy if you can prove the accident was their fault. But if you take out caravan cover, you won’t have to leave things to chance.

Caravan insurance also insures you against theft, giving you peace of mind. Touring caravans are much more likely to be stolen than cars, which is another risk to consider.

Compare static caravan insurance quotes

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What does caravan insurance cover?

Your caravan insurance will usually cover:

Theft if your caravan is stolen when it's detached from your car. But policies will usually require you to use a security device like a wheel clamp.
Accidental damage either external or internal, due to an accident or bad weather.
Malicious damage if your caravan is targeted by vandals.
Stolen contents if your caravan is broken into and/or its contents are stolen or damaged.
Third-party liability if a member of the public gets injured or the caravan damages someone's property.

Some caravan policies also offer you additional benefits, either included as standard or as optional extras. These can include:

Legal assistance to help you claim compensation for any uninsured losses due to an incident that isn’t your fault.
Cover for your friends and family gives extra flexibility, so your friends and family will are covered to use your caravan
EU touring, giving you cover to use your touring caravan in the EU.
Breakdown cover to get you and your tourer caravan on the move again. If you already have breakdown cover for your car, it might not include cover to tow your touring caravan away.

What isn't covered by caravan insurance?

Exactly what’s covered by caravan insurance varies from insurer to insurer. So it’s always best to check the policy wording before you buy. But it generally doesn't cover:

Damage or theft if you left your caravan unattended with the windows open.
Not using a security device such as a wheel clamp, hitchlock or immobiliser when your touring caravan is unattended and unhitched from your car
Damage caused by everyday wear and tear.
Damage caused by mildew.
Keeping your caravan somewhere that wasn't approved by your insurer.
Insect or vermin infestation damage.
Using the caravan as your main home.

How much is caravan insurance?

The price you pay for caravan insurance can vary depending on certain things.

Here are some key factors that will affect your caravan insurance quote:

Your caravan’s value - the more it's worth, the higher your insurance costs will be. Your caravan’s value will largely depend on the make, model, size and age.
Where you keep your caravan - keep it in a secure location to lower costs.
Security features like car alarms and cameras can make your insurance cheaper.
Your no-claims bonus. The more years of no-claims bonus you have, the better.
Having a caravan club membership with groups like the Caravan and Motorhome Club or the Camping and Caravan Club can mean that insurers give you discounts.
Your caravan insurance excess. Choosing a higher excess will lower your costs.
The cover you select. You’ll pay more for optional extras but many policies come with extra benefits included as standard.

You might also be interested in

Static caravan insurance

is specifically for static caravans and could cover against floods, theft and fire damage.

Car insurance

is a legal requirement if you're driving in the UK. Find out more about choosing the right cover at the right price.

Travel insurance

is a great way to cover you against medical bills, delayed flights and stolen items when you're on holiday.

Temporary car insurance

offers short-term comprehensive cover from one hour to 28 days.

Touring caravan insurance

covers your caravan travelling on the road and whilst at a campsite

What our caravan insurance expert says

People sometimes forget about insuring their caravan, whether it’s a static or touring caravan. Don’t forget that car insurance won’t cover your caravan, so you’ll need a specific policy to make sure you’re fully covered against accidental damage, stolen contents and bad weather.

If you don’t use your caravan all year round and still want to be covered, my best advice is to not let your existing policy auto-renew and compare quotes using our panel to try and save money.

Louise Thomas Motor Insurance Expert

Need more help?

Will my caravan insurance policy cover me abroad?

Touring caravan insurance might cover you to use your caravan in the EU, but not always. If you plan to use your caravan abroad, check that EU cover is included.

Does caravan insurance cover towing?

If you own a tourer caravan, you need to make sure you buy touring caravan insurance rather than static caravan insurance. It's intended for caravans that are fixed in one place – static caravan insurance won’t cover towing.

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Caravan insurance

Compare insurance quotes for your static or touring caravan

Compare quotes for static and touring caravans

Policies cover theft, accidental damage and stolen contents

Range of optional extras available

What is caravan insurance?

Types of caravan insurance

What are the differences between static and touring caravans?