Caravan insurance
DRIVE AWAY WITH SAVINGS ON CARAVAN INSURANCE
- Specialist caravan insurance to cover against theft, burglary and damage
- Great prices on cover for touring and static caravans from trusted providers in around 3 minutes[1]
- Plus, enjoy fantastic rewards, on us*
[1] Correct as of December 2024.
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.
If your caravan’s damaged while it’s being towed, your car insurance policy will generally only offer third-party cover. And this won’t cover any damage to your caravan if you’re in an accident that’s found to be your fault.
The same applies if your caravan is damaged when it’s detached from your towing vehicle, or if it’s stolen.
However, with the right caravan insurance policy, you could protect your home on wheels against these incidents and more.
What does caravan insurance cover?
A specialist caravan insurance policy can cover the following:
- Theft – 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
- 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’s damaged beyond repair in an accident, your insurance could cover the cost of a hire caravan or alternative accommodation.
What isn’t included in caravan insurance?
Your caravan insurance typically won't cover:
- Damage or theft due to poor security: for example, leaving windows open or not using wheel clamps or hitch locks
- Loss or damage as a result of awnings being left up and attached to the caravan while it’s not being used
- Theft when the caravan isn’t stored at its registered storage location(s)
- Theft of contents while they’re outside the caravan
- Loss or damage to caravan generators, or damage to the caravan as a result of using generators
- Damage caused by everyday wear and tear
- Damage caused by insect or vermin infestation, or by pets
- Mildew or fungus damage
- Storage at a non-approved location.
When comparing caravan insurance quotes, check the fine print to see what is and isn’t covered as standard.
You may be able to opt for extra caravan insurance cover, such as accidental damage, by paying an additional premium.
What’s the difference between a touring caravan and a static caravan?
Touring caravan
A touring caravan is towed by a car or another vehicle. It’s essentially your home on wheels when you go away – on holiday, for example.
For that reason, it needs to be narrow enough to fit within road markings. A static caravan, on the other hand, can be much larger.
Static caravan
Static caravans – also known as mobile homes – are semi-permanent structures. They’re often bigger and heavier than touring caravans and made with more solid materials. And they’re usually housed on a purpose-built site with amenities such as shops or restaurants. Typically, they’re connected to an external water and power supply.
If your static is kept on a dedicated caravan holiday site, you may need to have static caravan insurance in place as part of the site’s terms and conditions.
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.
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, like-for-like model.
That’s provided the sum insured reflects the value of the caravan as new. This is the maximum your provider will pay out for your caravan insurance claim.
Some caravan insurance providers will only offer new for old cover on caravans under a certain age – typically between five and 15 years.
Market value
Market value caravan insurance pays out the current value of your caravan, providing the sum insured reflects the value of the caravan at the time of the claim. Again, this is the maximum amount payable.
If your caravan is 20 years old, for example, the pay-out would be the going rate for a similar model of that age and condition.
What do I need to get a caravan insurance quote?
- Your personal details
- Caravan make and model
- Year of manufacture
- Type of use
- Where your caravan is stored
- Security details.
For static caravan insurance, you may also be asked:
- Its length and width in metres
- Number of bedrooms
- 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.
What does touring caravan insurance cover?
If you want your touring caravan to be covered against damage and theft, you’ll need touring caravan insurance. Your car insurance may only offer third-party cover for your caravan if it’s damaged while being towed.
Touring caravan insurance typically includes public liability cover, in case your caravan damages someone else’s vehicle or property while you’re towing it.
You could also get European cover for taking your caravan abroad with a touring caravan insurance policy.
We compare caravan insurance quotes for a variety of touring caravans. From larger single or twin-axle caravans to folding, micro and pop-up tourers, search for the cover you need.
Compare touring caravan insuranceWhat does static caravan insurance cover?
Static caravan insurance is closer to home insurance than car insurance, typically covering:
- Damage to, and theft of, your caravan and its contents
- Cover for food in a freezer
- Metered water/fuel
- Loss of keys.
You may also be able to add legal cover, gadget cover or accidental damage cover to your static caravan insurance policy for an extra fee. If you rent your caravan out, you’ll need to make sure your policy covers this too.
If you choose new for old static caravan insurance, it may also offer brand-new replacement cover for your personal possessions.
Compare static caravan insurance quotesHow to cut the cost of your caravan insurance
There are a few things you could do to help get cheap caravan insurance:
- Choose a smaller and cheaper model – the larger and more expensive the caravan you own, the more you can expect to pay for your caravan insurance.
- Keep your caravan in a secure site or storage facility – if the site is Caravan Storage Site Owners’ Association (CaSSOA) approved, this could improve your chances of getting cheap caravan insurance.
- Add more security features – while your caravan may have some security, additional features could help keep your insurance costs down. This includes wheel clamps, window locks, trackers and an alarm.
- Build up a no claims bonus – typically, every claim-free year will increase your no claims bonus and boost your chances of getting cheap caravan insurance.
- Join a caravan club – some caravan insurance providers offer discounts to members of certain groups. These include the Caravan and Motorhome Club, and the Camping and Caravanning Club.
- Take a caravan towing course – by taking a towing course, you can improve your skills and experience. By proving that you’re a careful driver, you may be able to get cheap caravan insurance.
- Only get the cover you need – optional extras can push up the price of your caravan insurance premium. Only add extra cover if you need it.
- Shop around – comparing quotes could be the best way to find a cheap caravan insurance deal.
Does caravan insurance cover motorhomes?
Motorhomes aren’t classified as caravans, so caravan insurance won’t cover them. 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.
Compare motorhome insuranceWhat 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 factors affect the price of caravan insurance?
The cost of your caravan insurance quote can depend on several factors, including:
- The make, model, size and value of the caravan
- Where you keep it
- Your caravan’s security features and safety devices
- Your age and insurance history
- If you’ve taken a caravan towing course
- Level of cover and excess amount
- Any add-ons or extras to your policy.
How much does caravan insurance cost?
Here’s how much UK caravan owners could typically expect to pay for their annual caravan insurance:
Touring caravan
£136
Per year[2]
Static caravan
£131
Per year[3]
Motorhome
£456
Per year[4]
[2] 51% of our customers were quoted less than £135.87 for their touring caravan insurance in October-December 2024.
[3] 51% of our customers were quoted less than £130.19 for their static caravan insurance in October-December 2024.
[4] 51% of our customers were quoted less than £455.37 for their motorhome insurance in October-December 2024.
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 caravan insurance providers in around 3 minutes[1] to help you look for cover that meets your needs.
[1] Correct as of December 2024.
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Frequently asked questions
Does my home contents insurance cover items in my caravan?
Your 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 home contents policy. Or they might be covered if you’ve 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.
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 polices may give you European cover as standard. If yours doesn’t, you’ll need to ask your provider whether you can add overseas cover to your policy for an additional cost.
Some caravan insurance policies will set a maximum number of days for overseas trips – either per trip or per year.
Be aware 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 regardless of the type of caravan you have.
However, depending on its 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 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. This is provided it’s kept at an appropriate location, 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 offer your friends and family the loan of your caravan and get insurance to cover this.
It may already be included as standard with your caravan insurance policy. Or you might need to pay extra to add it. This is often referred to as ‘family and friends cover’ on caravan insurance policies.
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. It usually also includes flood damage, fire damage and theft.
To be sure, check your policy documents to see what’s covered by your caravan insurance.
Does caravan insurance cover damp?
It’s unlikely you’ll be covered for damp and decay due to leakage, corrosion, wear and tear, neglect, condensation or anything that happens gradually.
You’re expected to maintain your caravan so that damp can’t cause problems.
Some caravan insurance policies may cover water damage caused by one-off incidents, such as an accident, flood or storm. Check your policy to be sure.
