Caravan insurance

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Do I need caravan insurance?

Caravan insurance can be worthwhile if you want financial protection against the unexpected, such as theft or damage:

While being towed
During an accident where you’re at fault
When being detached from your towing vehicle

Unlike car insurance, caravan insurance isn’t compulsory. But a specialist policy could offer financial protection against these incidents and more.

Did you know?

There were 7,300 new tourer caravan registrations in 2025, according to the National Caravan Council (NCC).

What are the different types of caravan insurance?

There are two levels of caravan insurance for tourers and statics: new for old and market value.

New for old

Pays out for a brand-new, like-for-like replacement, if the amount you insure it for matches the caravan’s value. This may suit you if you:
- Have bought recently or bought brand new
- Couldn’t comfortably fund any shortfall yourself if a market value payout was less than you hoped.
Keep in mind that:
- It’s a more expensive cover type
- You must insure for the full cost of a brand-new equivalent, not what yours is worth now
- Your caravan will likely need to be below a certain age and be well-looked after.

Market value

Pays out what your caravan was worth at the time of the claim, as long as the amount you insure it for is accurate. This might suit you if you:
- Have an older caravan
- Are happy to replace your caravan with a similar second-hand model.
Be aware that:
- It’s a cheaper insurance option than new for old, but
- The payout you get reflects any drop in value, so you may need to top up from your own pocket if you want to replace your caravan.

Static vs touring caravan insurance

The main differences between static and touring caravans come down to their size and how they're used. Their insurance policies usually cover different things, too.

	Static caravan	Touring caravan
What it is	A semi-permanent structure, larger and heavier than a tourer	Your home on wheels when you're away
Where it goes	Kept on a purpose-built site with amenities, connected to external water and power supplies	Towed by another vehicle - must be narrow enough to fit within road markings. Can be kept on a seasonal pitch
What insurance typically covers	- Damage to and theft of your caravan and its contents - Food stored in a freezer - Loss of metered water or fuel from heating systems or pipes - The cost of replacement keys - You can also add optional extras, such as legal, gadget or accidental damage cover.	- Damage to and theft of your caravan and its contents - Public liability, in case your caravan damages someone else's property while on the road - European cover, which is included as standard by some policies, or you can usually add it for an extra cost

Static caravan

Touring caravan

What it is

A semi-permanent structure, larger and heavier than a tourer

Your home on wheels when you're away

Where it goes

Kept on a purpose-built site with amenities, connected to external water and power supplies

Towed by another vehicle - must be narrow enough to fit within road markings. Can be kept on a seasonal pitch

What insurance typically covers

- Damage to and theft of your caravan and its contents

- Food stored in a freezer

- Loss of metered water or fuel from heating systems or pipes

- The cost of replacement keys

- You can also add optional extras, such as legal, gadget or accidental damage cover.

- Damage to and theft of your caravan and its contents

- Public liability, in case your caravan damages someone else's property while on the road

- European cover, which is included as standard by some policies, or you can usually add it for an extra cost

Bear in mind...

You’ll need specialist insurance if you’re planning on renting out your static caravan.

This should include things like public liability insurance and contents cover.

What does caravan insurance cover?

Caravan insurance can vary, so check the fine print to see what is and isn’t covered as standard.

What's typically covered?

Theft when detached from car

If your caravan is stolen while it is 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 a traffic accident

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 due to an accident

Write-off

If your caravan is damaged beyond repair in an accident, your insurance could cover the cost of a hire caravan or alternative accommodation

What’s not typically covered?

Theft when not at registered location

When the caravan isn’t stored at its registered storage location(s) or theft of contents if they’re outside the caravan

Damage or theft due to poor security

For example, leaving windows open or not using wheel clamps or hitch locks

Damage caused by everyday wear and tear

Alongside insect, vermin infestation or pets, also mildew or fungus damage

Loss or damage due to awnings or generators

For example, awnings being left up and attached to the caravan while it’s not being used, or damage to the caravan as a result of using generators

Storage

At a non-approved location

Quick tip

You may be able to add extra caravan insurance cover, such as accidental damage, for an extra cost.

How much does caravan insurance cost?

Here’s how much UK caravan owners could typically expect to pay for their insurance:

£124¹

a year for touring caravan insurance

£124²

a year for static caravan insurance

Your quote will depend on a range of factors, including the make, model, size and value of the caravan, how secure it is, and where you keep it.

Your insurance history and the level of cover you're looking for will also impact your premium.

¹51% of our customers were quoted less than £123.19 for their touring caravan insurance in July - September 2026.

²51% of our customers were quoted less than £123.08 for their static caravan insurance in July - September 2026.

What do I need to get a caravan insurance quote?

We'll need a few details about you, your caravan and how you use it to help you find our best quotes.

If you're comparing static caravan insurance, we may also ask you about:

The length and width of your caravan (in metres)
The number of bedrooms
The number of caravans on the static site and details about the site
How your caravan is anchored on the site – for example, are all four anchor points used?
Whether floatation devices are attached to help minimise flood damage.

With Compare the Market, you can compare policies from a range of providers in one place and choose the level of cover that works for your caravan and budget.

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What our expert says...

“Many insurance providers require your touring caravan to be fitted with approved security devices, such as a hitchlock and/or wheel clamp, particularly when it’s unattended or in storage. These measures can help reduce the risk of theft and improve your chances of securing cover.

“It’s also important to value your caravan accurately so you're not over or underinsuring it. Check its exact make and model, be realistic about its condition, and include any upgrades or fitted equipment.

“For example, if your caravan is realistically worth £18,000 but you insure it for £25,000, you could end up paying for more cover than you need without necessarily getting a higher payout after a claim. On the other hand, undervaluing it could leave you short if you need to replace it.”

Amy Rootham, Insurance expert

9 ways to cut the cost of your caravan insurance

You could lower the cost of your insurance in a few ways, from changing your excess to keeping your caravan secure. Here are some ideas:

Choose a smaller and cheaper model

Keep your caravan in a secure site or storage facility

Add more security features

Build up a no-claims bonus

Join a caravan club

Take a caravan towing course

Only get the cover you need

Amend your excess

Shop around

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FAQs

What’s the difference between caravan insurance and motorhome insurance?

Caravan insurance is designed for caravans that are towed or sited, such as:

Touring caravans
Static caravans
Trailer tents.

Motorhome insurance is for vehicles with their own engine that are driven on the road, so you’ll need a dedicated motorhome insurance policy instead of caravan insurance.

What optional extras can I get with caravan insurance?

You can pay to add optional extras to your caravan insurance policy, including:

Touring caravan breakdown cover – or you may need to add your caravan to your car’s breakdown cover
European cover
Legal assistance
Key cover for lost or stolen keys
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 caravan insurance policy to see if you’re covered for travelling abroad.

Some caravan insurance policies:

May include European cover as standard but if yours doesn’t, ask your provider whether you can add overseas cover at an extra cost
Will set a maximum number of days for overseas trips – either per trip or per year.

Bear in mind that if your caravan is damaged outside the UK, some policies won’t cover the cost of getting it back to your home. Check your policy if this is important to you.

I have a unique touring caravan. Can I still get insurance?

You should be able to find touring caravan insurance cover for different types of towable leisure vehicles, including folding campers and trailer tents.

However, depending on its age, model, features and condition, you may need to speak to an insurance provider directly.

If you have a touring caravan that’s permanently sited or used to make money – for example, renting it out – you could still get a caravan insurance quote.

Can I get insurance if I live in my caravan?

If your caravan is your permanent home, you may be able to insure it if it’s kept somewhere suitable, such as a holiday park with a residential licence.

You’ll need to state that you live in your caravan when you apply for caravan insurance. This is because you may need a specialist type of insurance for static caravans or park homes.

Will my family and friends be able to use the caravan?

Yes, you can let your friends and family use your caravan and get insurance for this, known as ‘family and friends cover’.

It may already be included as standard with your caravan insurance policy, or
You might need to pay extra to add it.

Make sure you check the policy details to see what is and isn’t covered.

Does caravan insurance cover storm damage?

Yes, a caravan insurance policy typically covers storm damage, as well as:

Flood damage
Fire damage
Theft.

To be sure, check your policy documents to see what’s covered by your caravan insurance.

Does my home contents insurance cover items in my caravan?

Your home contents insurance could cover some of the possessions in your caravan, depending 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:

Listed these items in your home contents policy
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’s covered, check the policy wording or call your home insurance provider.

Do I need a special driving licence to tow a touring caravan?

The rules about what you can tow depend on when you passed your driving test and the combined weight of your vehicle and trailer.

With cars getting heavier, you’ll need to be mindful about how much your caravan weighs
You may also need to take a C1 licence test.

Check the rules for towing trailers and caravans with a car on GOV.UK.

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Reviewed 19 Oct 2026 bySam WilsonInsurance expert

Sam Wilson is Head of Commercial Finance at Compare the Market and one of our core insurance experts on motor, home, van, motorbike and pet insurance products.

With over seven years at Compare the Market, Sam has a detailed understanding of how customers shop for insurance, what drives differences in premiums, and how small changes — such as shopping around at renewal or reviewing cover — can make a meaningful difference to what people pay.

Sam regularly comments in national and trade media on insurance costs, value for money and consumer savings, helping people understand how to get a good deal without focusing on price alone.