Caravan insurance

You aren’t legally required to have caravan insurance, but it’s worth considering. Your car insurance probably won’t cover damage to your caravan while it’s being towed. So if your caravan was damaged in an accident caused by you, you’d have to pay for any damages or repairs.

If the accident wasn’t your fault, your caravan would only be covered by the other driver’s insurance policy if they have third-party liability cover. Every car insurance policy is different, which means you can’t be sure you’ll always be covered.

Touring caravans can also easily be stolen, and this is where caravan insurance can offer extra peace of mind. Ensuring you’re covered will make sure you aren’t left out of pocket.

Depending on the policy you choose, caravan insurance could cover you for:

• Theft, if your caravan is stolen when it's detached from your car
• Accidental damage either external or internal, due to an accident or bad weather
• Stolen contents if your caravan is broken into and/or its contents are stolen or damaged
• Third-party liability cover if a member of the public gets injured or the caravan damages someone's property

The price for caravan insurance varies depending on the type of policy you choose, as well as any optional extras you add on. It’s important to understand exactly what type of caravan insurance you need, so you’re covered for anything that could affect you. Compare caravan insurance quotes to fully understand your needs.

Your insurance might not include everything, so it's important to check exactly what is and isn't covered.

Compare the policy details from each insurer before buying to check all the cover you need is included. If you've already got a policy, check the details for confirmation.

Caravan insurance might not cover you if:

• 

  Your caravan suffers damage or theft through lack of security, such as no wheel clamps or windows being left open

• 

  Damage is caused by everyday wear and tear

• 

  There's damage from mildew

• 

  Your caravan suffers damage or theft after you stored it at a location that wasn't approved by your insurer

• 

  Damage is caused by insect or vermin infestation

This will depend on the type of policy you choose. You might need to take out extra cover. It’s best to check with your chosen insurer before you travel just to be sure.

When you get a quote, you'll be able to choose from a number of optional extras to add to your policy:

• Breakdown cover
• European cover
• Legal assistance
• Cover for your friends and family to use your caravan

The cost of caravan insurance can depend on a variety of things, including:

• The make, model, size and price of the caravan, as the larger and more expensive the caravan, the higher your insurance premium will probably be
• Where you keep your caravan, because if it’s kept in a secure location, it could reduce the cost of your insurance
• The security features it has. Extra security such as tracking devices or alarms could help reduce your price
• The number of no-claims bonus you have. If you’ve built up a history of no claims, this could help reduce the cost of your insurance
• If you’re a member of a Caravan and Motorhome Club. As some caravan insurance companies offer discounts to members of groups such as the Caravan and Motorhome Club

Your main home contents insurance could cover some of the items in your caravan, but only if you’ve specified these items, such as camping equipment.

It’s unlikely that your contents insurance will cover general household items that you keep in your caravan, like a TV. We recommend fully checking your home and contents insurance policy, to see what you may already be covered for.