Touring caravan insurance

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Touring caravan

What is touring caravan insurance?

Touring caravan insurance protects a caravan that you’ll be towing against theft or damage. it's different from a static caravan because you can tow it with your car when you go on holiday. In contrast, static caravans aren’t designed for towing – they’re meant to stay in one fixed location.

Along with covering damage and theft, some touring caravan insurance policies include extra benefits like EU cover as standard. So you'll be covered to use your caravan abroad. There are also other optional extras like breakdown cover.

Do I need touring caravan insurance?

Touring caravan insurance isn’t a legal requirement, but it’s certainly worth considering. Having touring caravan insurance in place will take some of the stress and worry out of caravanning.

Your car insurance policy won’t cover your caravan against damage or theft. At the most, it may provide third-party cover to tow a caravan. So claims from members of the public for injury or damage to their property might be covered. But you could still receive a huge bill to fix your caravan if it’s damaged in a road accident.

Theft is also a major risk to consider when it comes to touring caravans as they could be towed away by another vehicle when unattended. Once stolen, most are never recovered. So, it’s good to know that your touring caravan insurance will also cover your caravan against theft.

Types of touring caravan insurance

There are two levels of touring caravan insurance to choose from:

New for old lets you claim for a brand new tourer caravan when yours is lost through theft or becomes a total write-off due to an accident.

Market value covers less than new for old, so it tends to be cheaper. But the most you can claim is for the market value of your touring caravan at the time of the incident.

What does touring caravan insurance cover?

Touring caravan insurance usually covers:

Theft if your tourer caravan is stolen when it's detached from your car, provided there was a security device like a wheel clamp in use at the time
Accidental damage caused by an accident or bad weather
Malicious damage if your touring caravan is targeted by vandals
Stolen contents if your caravan is burgled and the contents are stolen or damaged
Third-party liability if your caravan injures a member of the public or damages someone else’s property

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How much does touring caravan insurance cost?

51% of our customers paid less than £141* for touring caravan insurance.

There’s a lot for insurers to consider when it comes to touring caravan insurance. You should always shop around and compare caravan insurance quotes to find the right deal for you. The cost of touring caravan insurance could be affected by:

How much your touring caravan is worth
Where you store it
The tourer caravan’s security and safety features
Where you live
The type of cover you select
If you choose optional extras

*Based on Confused.com Data, September 2022

How can I get cheaper caravan insurance?

Here are some ways to cut the cost of your touring caravan insurance:

Install a tracking device and/or alarm to reduce the risk of theft.
Store your touring caravan at a secure location, so it’s more difficult for thieves to steal.
Use security/tagging identification for your caravan, which could boost the chances of recovery if it’s stolen.
Register the tourer caravan with the Central Registration & Identification System (CRiS) as this could also help locate your caravan if it's stolen.
Improve safety with equipment like anti-snake devices, reversing aids, stabilisers, tyre pressure monitoring systems and fire alarms/extinguishers.
Join a caravan club such as the Camping and Caravan Club or the Caravan and Motorhome Club – some insurers will offer you a discount.
Choose a higher voluntary excess.
Pay annually rather than in monthly instalments.

What do I need to compare touring caravan insurance?

When you get a touring caravan insurance quote we’ll ask for some details about you, your tourer caravan and the cover you’re looking for.

Here are some things we'll need to know about:

Caravan

If it’s a single axle or twin axle tourer caravan
The make, model and year it was made
When you bought the touring caravan
What you’ll use the caravan for
Security features in use – most insurers need you to at least use a wheel clamp or hitchlock before they’ll offer touring caravan insurance
Condition – whether your touring caravan is in a good state of repair
How often you'll be towing your tourer caravan
Where you store the caravan and the security at that site

Your details

Your name, address, age and occupation
When you passed your driving test
If you’ve passed an approved driving course
Your driving record
Details of any no-claims bonus on caravan or car insurance you’ve built up

The cover you need

Type of cover – you can choose between Market Value or New for Old touring caravan insurance
How much voluntary excess you wish to pay
If you want to pay annually or by monthly instalments

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What optional add-ons can I get with caravan insurance?

If they're not already covered by your policy as standard, you may want to consider adding:

Breakdown cover, including recovery for your tourer caravan.
European cover – so you’re covered to use your touring caravan in the EU, typically between 30–90 days at a time.
Legal assistance helps you claim compensation for uninsured losses caused by an accident that's not your fault.
Cover for your friends and family – so they can use your caravan.

Is my caravan covered by my house insurance?

Your touring caravan won’t be covered by your home insurance. But if you have home contents insurance, it might cover certain items like camping equipment if you’ve specified these items on your home contents insurance policy.

Remember, other items you keep in your tourer caravan, like electrical goods, won’t be covered by your home insurance. Check your home insurance policy to find out what’s actually covered.

What is not covered by caravan insurance?

Here are some things that aren’t usually covered by caravan insurance:

Damage or theft when the caravan is unattended and you’ve left the windows open.
Theft or damage if your touring caravan is unattended/unhitched and you don’t use a wheel clamp.
Everyday wear and tear
Mildew or insect infestation damage
When your tourer caravan is damaged or stolen if you haven’t stored it in a location that’s approved by your insurer.

Can friends and family use my caravan?

It depends on your policy. When you get a touring caravan insurance quote through Confused.com, we’ll ask you about how your caravan will be used. If you want friends and family to use your touring caravan, we can help you find the right cover.

Other types of insurance

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.

European travel insurance

it will cover you for any holidays that you've got planned in Europe this year.

Private van insurance

protects your van for social use and commuting to work.

Activity travel insurance

will cover you if you’re planning an action-filled sports trip.

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