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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 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 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 outside your home or 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.
Frequently asked questions
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 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. You can compare motorhome insurance with us too.
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.
What factors affect the cost of caravan insurance?
The cost of insurance for a caravan varies depend on many factors, including
- The make, model, size and price of the caravan
- Where it’s kept, both when in use and not in use
- What standard and additional security features are in place
- Your history of claims and convictions
- How much experience you have of towing a caravan
- Whether you hold a Caravan club membership.
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, eg leaving windows open
- Damage that’s caused by everyday wear and tear
- Damage caused by insect or vermin infestation
- Mildew damage.
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.
How much does caravan insurance cost?
**50% of people could achieve a quote of £75 per year for their touring caravan insurance, based on Compare the Market data in November 2019.
***50% of people could achieve a quote of £120.56 per year for their static caravan insurance, based on Compare the Market data in November 2019.
****50% of people could achieve a quote of £299.52 per year for their motorhome insurance, based on Compare the Market data in November 2019.
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.
3 minutes^^ to get a quote for a touring caravan
4 minutes^^ to get a quote for a static caravan
5 minutes^^ to get a quote for a motorhome
^^All quote times based on Compare the Market data in December 2019