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.
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.
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.
Jack Cox
Caravan insurance product manager
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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