Touring caravan insurance protects your caravan against loss or damage. A touring caravan is designed to be mobile and towed by a vehicle. This differs from static caravans, which are primarily fixed in one place.
Touring caravan insurance isn’t a legal requirement, but it is something worth considering. In most cases, your car insurance won’t cover damage to your caravan while being towed. So, if you have an accident which is your fault, you’ll end up footing the bill for any damages caused.
If you have an accident that wasn’t your fault, you may be covered by the other driver involved, but this depends on them having third party liability as part as their car insurance policy.
Touring caravans can easily be the target of theft, and this is where caravan insurance can give you the protection you need.
What your caravan insurance covers depends on the type of policy you choose. It’s important to make sure you get the right policy for you. A typical caravan insurance policy can cover for theft, accidental damage, stolen contents and third-party liability.
Not everything will be covered by your insurance policy, so make sure you read your policy exclusions. The level of cover will vary depending on the type of policy, as well as the insurer you choose. Things that aren’t usually covered are:
- Damage through lack of security, such as no wheel clamps
- Damage that is caused by everyday wear and tear
- Damage from mildew or insect infestation and if you store your caravan in a location not approved by your insurer
75% of our customers paid less than £200* for touring caravan insurance.
The price for caravan insurance can vary depending on the type of policy you choose, and any optional extras you add on. When calculating prices, insurers also consider things like the make, model and value of your touring caravan, and where you store it.
There are a few things that could help reduce the cost of your caravan insurance, such as any extra security features you have in place, any no claims bonus you have built up and whether or not you are a Caravan Club member. Get a caravan insurance quote to fully understand your needs.
*Based on Confused.com Data, October 2020
When choosing your insurance policy, you’ll be able to add a range of optional extras:
- Breakdown cover – this covers you if need accident recovery services
- European cover – this covers your caravan when being towed in Europe. You will usually be covered between 30–90 days depending on the policy.
- Legal assistance – this will help with any legal expenses if a claim is made against you.
- Cover for your friends and family to use your caravan.
Your home contents insurance may cover certain items such as camping equipment, but only if you specified these items on your policy. It’s unlikely that other items in your caravan, such as TVs, and electrical goods will be covered. It’s important to check your home and contents policy to fully understand what you are and aren’t covered for.
This will depend on the policy you have chosen. You might need to add this as an optional extra. European cover is available for most policies. Check insurers’ policy details to be sure.