Caravan insurance
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If you own a caravan or you’re in the market for one, it’s important to find insurance that covers you against a range of eventualities. Here’s what you need to know about getting caravan insurance that meets your needs, either for a towed vehicle or a static model.
Why do I need caravan insurance?
Unlike car insurance, caravan insurance isn’t compulsory, but a specialist insurance policy could offer you financial protection if something happens to your caravan. While a caravan’s being towed, your car insurance policy often extends only to third party cover. So let’s say you’re in a road accident that’s found to be your fault – in this event, you won’t be covered for any damage to your caravan. It’s the same if your caravan is damaged when it’s detached from your towing vehicle or if it’s stolen.
What are the different types of caravan insurance?
There are two levels of caravan insurance for tourers and statics:
- New for old - If your caravan is damaged beyond repair or stolen, new for old cover will pay out the value of a brand new, equivalent model, providing the sum insured reflects the value of the caravan as new.
- Market value - Market value pays out the current value of your caravan, providing the sum insured reflects the value of the caravan as it is at the time of the claim. So if your caravan is 20 years old, the pay-out would be the going rate for a similar model of that age and condition.
Optional extras for touring caravan insurance include breakdown cover, as well as cover for using your caravan in Europe.
What does caravan insurance cover?
A specialist caravan insurance policy will cover you for the following:
- Theft - If your caravan is stolen while it’s detached from your car, either parked at its storage location or in use at a campsite or caravan park.
- Burglary - If your caravan is broken into and some of its contents are stolen or damaged.
- Internal damage - Following an accident (for example, a water leak).
- External damage - Either when it’s parked or being towed.
- Third party liability - If you injure a member of the public or cause damage to someone’s property following an accident.
- Written off - If your caravan is involved in an accident and damaged beyond repair. Your insurance may be able to cover the cost of a hire caravan or alternative accommodation.
What typically isn’t included in caravan insurance?
Your caravan insurance might not cover you for:
- Damage or theft because of a lack of security, e.g. no wheelclamps or hitchlocks, leaving windows open etc
- Theft when the caravan isn’t stored at its registered storage location(s)
- Damage caused by everyday wear and tear
- Damage caused by insect or vermin infestation
- Mildew damage
- Storage at a non-approved location.
You should always check your policy before buying to see what is and isn’t covered as standard.
What’s the difference between a touring caravan and a static caravan?
Touring caravan
A touring caravan is towed by a car or another type of vehicle. It’s designed to be taken with you when you go on holiday, for example. For that reason, it will need to be narrow enough to fit within road markings, unlike a static caravan that’s typically larger.
If you have an accident while towing your touring caravan, your car insurance may cover the damage to your car, but not your caravan. If you want to protect your touring caravan against damage or theft, you’ll need touring caravan insurance. This type of insurance typically includes public liability cover in case your caravan damages another vehicle or property while you’re towing it, and could also include European cover if you’re taking your caravan abroad.
We compare insurance quotes for a variety of touring caravans – from larger single or twin axle caravans to folding, micro and pop-up tourers.
What does touring caravan insurance cover?
Touring caravan insurance specifically covers you for damage to your caravan while on tow. It can also include public liability cover in case your caravan damages another vehicle or property while you’re towing it. Finally, it could include European cover if you’re taking your caravan abroad with you on holiday.
Static caravan
Static caravans (also referred to as mobile homes) are semi-permanent structures – often heavier and made with more solid materials. They’re usually housed on a purpose-designed site where there are amenities such as shops or restaurants. They’re typically connected to an external water and power supply.
If your static is kept on a dedicated caravan holiday site, you may need to have insurance in place as part of the site’s terms and conditions.
What does static caravan insurance cover?
Static caravan insurance is closer to home insurance than car insurance. As well as damage and theft of your caravan and its contents, you can also get cover for freezer food, metered water/fuel and loss of keys.
How to cut the cost of caravan insurance
The cost of caravan insurance can depend on many things, including:
- The make, model, size and price of the caravan – if you’re in the market for a new caravan, consider these things before making a purchase, as they’ll be taken into account by insurance providers. Simply put, the larger, more expensive caravan you own, the more you can expect to pay to insure it.
- Where you keep it – keeping your caravan in a secure site or storage facility can help reduce your premiums. If the site is Caravan Storage Site Owners’ Association (CaSSOA) approved, this could reduce the premium further.
- Additional security features – while your caravan may have some security, anything you can do to improve this could help keep your insurance costs down. Most touring caravan policies will require you to use a wheel clamp and/or hitchlock as a minimum.
- No-claims bonus – insurance providers will look at your history of claims and convictions. If you’ve managed to build up a no-claims bonus, you’ll earn a discount on your insurance. The longer the bonus, the better the discount.
- Caravan club membership – some caravan insurance providers offer discounts to members of groups such as the Caravan and Motorhome Club, or the Camping and Caravanning Club.
Does caravan insurance cover motorhomes?
Motorhomes aren’t classified as a caravan – they have a cab and an engine and operate as a vehicle as well as accommodation. If you’re looking to cover a motorhome, you’ll need dedicated motorhome insurance, which you can compare with us too.
Compare motorhome insuranceHow much does caravan insurance cost?
Touring caravan
£155
Per year[1]
Static caravan
£141
Per year[2]
Motorhome
£340
Per year[3]
The cost of caravan insurance reflects the risk the insurance provider faces. The price is determined by a number of factors. The value of the caravan, how expensive it is to repair or replace, where it’s kept, how it’s secured, your driving history, usage, if you’re a member of a caravan club and whether you’ve made claims in the past are some of the things to be taken into account.
[1] 51% of our customers were quoted less than £154.70 for their touring caravan insurance in August 2023.
[2] 51% of our customers were quoted less than £140.70 for their static caravan insurance in August 2023.
[3] 51% of our customers were quoted less than £339.23 for their motorhome insurance in August 2023.
What our expert says...
“Most insurance providers require your touring caravan to be secured with a hitchlock and/or wheelclamp. Storing your caravan on a CaSSOA-approved site can also lead to cheaper quotes”
- Julie Daniels, Motor insurance expert
What do I need to get a quote?
- Your personal details
- Caravan make and model
- Year of manufacture
- Type of use
- Where your caravan is stored
- Security details.
For static caravans, you may also be asked:
- Length and width in metres
- Number of bedrooms
- Number of caravans on the static site and details about
the site (if appropriate) - Tether questions.
Why compare caravan insurance with Compare the Market?
You could save money on your caravan insurance by comparing with us. We’ll compare a range of providers to help you find cover that meets your needs.
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Frequently asked questions
Does my home contents insurance cover items in my caravan?
Your main home contents insurance could cover some of the possessions in your caravan - it depends on the level of cover you have. You could have cover for camping equipment and other items you usually carry with you if you’ve specified these items on your main home policy, or have taken out personal possessions cover.
It’s highly unlikely your home contents insurance would cover you for general household items kept in your caravan such as cutlery, bedding or a TV. If you’re unsure what you’re covered for, check the policy wording or call your home insurance provider.
What optional extras can I get with caravan insurance?
You can add:
- Breakdown cover
- European cover
- Legal assistance
- Cover for your friends and family to use your caravan.
Will I be covered to take my caravan abroad?
You’ll need to check your policy to see if you’re covered for travelling abroad. Some polices may give you third party cover for a short period. But if you want fully comprehensive cover, you might need to take it out as an extra.
I have a unique touring caravan, can I still get insurance?
Yes, you should be able to find cover regardless of the type of caravan you’re looking to insure. However, depending on the age and specification, you may need to speak to an insurance provider directly. If you have a touring caravan that’s permanently sited or used for commercial purposes, you can still get a quote online.
Can I get insurance if I live in my caravan?
Yes, if your caravan is your permanent home, you’ll still be able to insure it, provided it's kept at an appropriate location such as a holiday park. Just make sure that you mention this during your application, as you may need a more specialist type of caravan insurance. You may also have fewer providers to choose from.
Will my family and friends be able to use the caravan?
With the right cover, you should be able to lend your caravan to friends and family and still be protected. Just be sure to check with your insurance provider, or you might find your policy invalid if they’re not covered.
Again, static and tourer caravans are treated differently. A static caravan acts more as a residence, whereas a tourer will be out on the road. Depending on the type of cover you have, this may affect the eligibility of friends and family.
Check with your insurance provider before lending your caravan out. You may need to take out extra cover at an additional cost – but better that than no cover at all.
