Compare caravan insurance
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 should I get 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?
Caravan insurance can be split into two main categories:
Touring caravan insurance – this is for caravans that you tow with your car. If you had an accident while driving with your caravan in tow, your car insurance may cover the damages to your car, but won’t cover your caravan. If you want to protect your touring caravan against damage or theft, you’ll need a separate policy.
Static caravan insurance – static caravans are exactly that, static. This means that they act more as a residence, with insuring them closer to a home insurance policy than a car policy. With statics usually being kept on a dedicated caravan holiday site, you may find that you’re required to have cover to keep your static in a specific destination.
There are two levels of caravan insurance for tourers and statics:
- New for old cover pays out the value of a brand new, equivalent caravan, providing the sum insured reflects the value of the caravan as new
- Market value pays out the current value of your caravan, providing the sum insured reflects the value of the caravan.
Optional extras for touring caravan insurance include breakdown cover, as well as cover for using your caravan in Europe.
Motorhomes aren’t classified as a caravan, because they operate as a vehicle as well as accommodation. If you’re looking to cover a motorhome, you’ll need dedicated motorhome insurance.
What does caravan insurance cover?
A specialist caravan insurance policy could cover you if:
- Your caravan’s stolen while it’s detached from your car, either parked at its storage location or in use at a campsite or caravan park
- Your caravan is broken into and some of its contents are stolen or damaged
- The inside of your caravan is damaged following an accident (for example, a water leak)
- Your caravan suffers external damage, either when it’s parked or being towed
- You injure a member of the public or cause damage to someone’s property following an accident.
- Your caravan is involved in an incident and is deemed unusable. Your insurance may be able to cover the cost of a hire caravan, or alternative accommodation.
What does touring caravan insurance cover?
Touring caravan insurance also specifically covers you for damage sustained 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.
What does static caravan insurance cover?
Static caravan insurance is closer to home insurance than car insurance. As well as damage and theft, you can also get cover for freezer food, metered water/fuel and loss of keys.
What’s the difference between a touring caravan and a static caravan?
A touring caravan is towed by a car or another type of vehicle.
Static caravans (also referred to as a mobile home) are semi-permanent structures – often heavier and made with more solid materials – and are 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 you own a static caravan, it’s easy to start a quote with us for static caravan insurance.
Also, don’t confuse touring caravans with motorhomes, which have an engine and can get around without the need of a tow vehicle. These are two different things, which need their own specific type of insurance. You can compare motorhome insurance with us too.
How much does caravan insurance cost?
**50% of people could achieve a quote of £136.68 per year for their touring caravan insurance, based on Compare the Market data in November 2020.
***50% of people could achieve a quote of £154.56 per year for their static caravan insurance, based on Compare the Market data in November 2020.
****50% of people could achieve a quote of £265.37 per year for their motorhome insurance, based on Compare the Market data in November 2020.
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.Start a quote
Head of motor at Compare the Market
“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”.
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.
5 minutes^^ to get a quote for a touring caravan
5 minutes^^^ to get a quote for a static caravan
5 minutes^^^^ to get a quote for a motorhome
^^On average it can take less than 5 minutes to complete a touring caravan quote through Compare the Market based on data in November 2020.
^^^On average it can take less than 5 minutes to complete a static caravan quote through Compare the Market based on data in November 2020.
^^^^ On average it can take less than 5 minutes to complete a motorhome quote through Compare the Market based on data in November 2020.
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 and a TV. If you’re unsure what you’re covered for, check the policy wording or call your home insurance provider.
How to cut the cost of caravan insurance
The cost of caravan insurance depends on many factors, 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 CaSSOA approved then 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 at least.
- 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.
What optional extras can I get with caravan insurance?
You can also add optional extras to your policy, including:
- Breakdown cover
- European cover
- Legal assistance
- Cover for your friends and family to use your caravan.
What typically isn’t included in caravan insurance?
You may find that your caravan insurance might not cover you for:
- Damage or theft because of a lack of security, e.g. wheelclamps, hitch locks or leaving windows open
- Theft when the caravan isn’t stored at its registered storage location(s)
- Damage that’s 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.
Will I be covered to take my caravan abroad?
You’ll need to check your policy to see. 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 which is permanently sited or used for commercial purposes, you can still get a quote online.
Do I need to pass a test to tow a caravan?
It depends on the size of the caravan and when you passed your driving test. If you passed before 1997, you can tow a caravan, as long as the combined weight of your vehicle and caravan is less than 8,250kg. If you passed your test after 1996, this is reduced to 3,500kg.
If you’re towing a heavier caravan, you’ll need a B+E or C1+E licence, which requires passing an additional driving test.
Can I get insurance if I live in my caravan?
Yes, if your caravan acts as your permanent residence, you’ll still be able to insure it, provided it is situated at an appropriate location such as a holiday park. Just make sure that you mention this during your application, as this requires a slightly more specialist type of caravan insurance. Because of this, you may find you 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, while maintaining its cover. Just be sure to check this with your insurance provider beforehand, as you may otherwise find your policy invalid, if you needed to make a claim after a friend or family member has an accident.
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.