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Caravan insurance

Compare caravan insurance quotes for your home away from home

  • Compare insurance for both static and touring caravans

  • Get cover for theft, accidental damage and stolen contents

  • Choose from new-for-old or market value insurance

Do I need caravan insurance?

Legally you don't have to insure your caravan like you do a car, but it might be something to consider.

If your caravan is damaged in a road accident, it's not covered by your car insurance. Without cover, you'd have to pay for any repairs yourself.

Caravan insurance protects your caravan against:

  • Accidental damage such as bad weather
  • Theft
  • Vandalism

What does caravan insurance cover?

All insurers and policies are different but you can usually expect cover for:

  • Theft. If your caravan is stolen when it's detached from your car you should be covered. Some policies usually require you to use a security device like a wheel clamp.
  • Accidental damage. This covers internal and external damage caused by an accident or bad weather.
  • Malicious damage. If your caravan is targeted and damaged by vandals, you can claim.
  • Stolen contents. If your caravan is broken into and its contents are stolen or damaged.
  • Third-party liability. If a member of the public gets injured or the caravan damages someone's property.
  • Fire. If your caravan has been damaged or destroyed by a fire.

Some policies will offer additional benefits, either as standard or as optional extras including:

  • Legal assistance. To help you claim compensation for any uninsured losses due to an incident that's not your fault.
  • Cover for your friends and family. This means your friends and family are covered to use your caravan.
  • EU touring. This gives you cover to use your touring caravan in the EU.
  • Breakdown cover. This helps you get your tourer back on the road again. You might already have breakdown cover for your car but check whether it includes cover for your caravan.

What isn't covered by caravan insurance?

All insurance policies are different so what's not covered is difficult to say. Generally, caravan insurance doesn't cover:

  • Damage or theft to an insecure caravan. You aren't covered if you left your caravan unattended and vulnerable such as leaving a window or door open.
  • Not using a security device. These include not using 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.

What's the difference between static and touring caravans?

Static caravans are fixed in place and are normally used as holiday homes. Static caravan insurance tends to be a bit like home insurance because of this. 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 are what you'd tow with your car when you go off on holiday. Because of this, touring caravan insurance also covers your caravan when it's being towed. Car insurance doesn't cover tourers against damage, so you need to get a separate caravan policy.

What are the different types of caravan insurance?

There are 2 types of insurance to choose from:

New for old

If your caravan is stolen or damaged beyond repair you can replace it with a brand new one. This is the highest level of cover and is generally more expensive.

Market value

This pays out the cost of the caravan at the time of the incident at its current market value. Because of this, it's usually cheaper than new for old cover.

Compare static caravan insurance quotes

What our caravan insurance expert says

"People sometimes forget about insuring their caravan, whether it’s a static or touring caravan. Car insurance doesn't cover your caravan, so you need a specific policy to make sure you’re fully covered against damage and theft.

If you don’t use your caravan all year round and still want cover, my best advice is to not let your existing policy auto-renew. Instead, compare quotes using our panel and see if you can save money."

Louise Thomas, Motor Insurance Expert at Confused.com
Motor Insurance Expert Confused.com logo

How do I cut the cost of caravan insurance?

  • Consider less expensive caravans
  • Keep your caravan secure
  • Upgrade your security features
  • Build your no-claims bonus
  • Consider a caravan club membership
  • Increase your excess
  • Think about what extras you need

Consider less expensive caravans. The more your caravan is worth, the higher you can expect your insurance costs to be. Its value is largely determined by the make, model, size and age. If you're looking to buy and want to keep costs down, it could be worth looking at cheaper caravans.

Keep your caravan secure. Keeping your caravan in a secure location can help keep your insurance costs down.

Upgrade your security features. Showing your insurer you're serious about keeping your caravan safe is a great way to lower costs. Things like alarms, cameras and wheel clamps can help.

Build your no-claims bonus. The more years of no-claims you have, the cheaper your costs could be.

Consider a caravan club membership. Groups like the Caravan and Motorhome Club or the Camping and Caravan Club have deals with certain insurers. This could give you a discount on your policy.

Increase your excess. Choosing a higher excess could show insurers you're only likely to claim for serious incidents. This could mean you get a better price on your insurance.

Think about what extras you need. Shop around to try and find a policy that's right for your needs. Need a few optional extras that could add to the cost? Try and find an insurer who might include them as standard as a lower price.

Why choose Confused.com?

  • We’re 100% independent and we're not owned by an insurance company. This means we’ll always show you the best prices available at the time, no matter who they’re from.
  • We're regulated by the Financial Conduct Authority (FCA). We follow their strict guidelines meaning we do what's right for you. So if you choose to use us, you know you’re in safe hands.
  • We have over 20 years' experience in helping customers find insurance at the right price. Based in Cardiff, we help over 5 million customers a year so we know what we're talking about when it comes to insurance.
  • Need some help? Our Cardiff-based team is here to support you all the way. Take a look at our contact page to find ways to get in touch.

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Page last reviewed: 25 October 2023

Reviewed by: Louise Thomas

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