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Caravan insurance concept with Carl the wombat waving his right hand, with a background of Sergei and Aleksandr the meerkats getting off from a Caravan
Opened door of a white Caravane Carl the wombat waving his right hand, with a background of Sergei and Aleksandr the meerkats

Caravan insurance

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  • Great prices on cover for touring and static caravans from trusted providers in around 6 minutes[1]
  • Specialist caravan insurance to cover against theft, burglary and damage
  • Plus, enjoy fantastic rewards, on us*

[1] Correct as of June 2024.

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If you own a caravan or you’re looking to buy 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. This won’t cover any damage to your caravan if you’re in a road accident that’s found to be your fault. It’s the same if your caravan is damaged when it’s detached from your towing vehicle or if it’s stolen.

However, the right caravan insurance policy could protect your home on wheels against such incidents, and more.

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 it’s stolen, new for old cover will pay out the value of a brand-new, like-for-like model. That’s provided the sum insured – the maximum your provider will pay out on a claim – reflects the value of the caravan as new. Some providers will only offer new for old cover on caravans under a certain age – typically between five to 15 years.  

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.

What does caravan insurance cover?

A specialist caravan insurance policy can cover 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 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 following an accident.
  • Write off - if your caravan is involved in an accident and damaged beyond repair, 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 because of a lack of 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.

You should always check your policy before buying to see what is and isn’t covered as standard by your caravan insurance. You may be able to opt for extra 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 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.

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, many weighing more than two tonnes, you need to be careful how much your caravan weighs. You may need to take a C1 licence test.

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

What does touring caravan insurance cover?

If you have an accident while towing your touring caravan, your car insurance may only offer you third party cover for your caravan. If you want to protect your touring caravan against damage or theft, you’ll need touring caravan insurance.

Touring caravan insurance typically includes public liability cover in case your caravan damages another vehicle or property while you’re towing it. It could also include European cover if you’re taking your caravan abroad.

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.

Static caravan

Static caravans (also referred to as mobile homes) are semi-permanent structures – often heavier than touring caravans 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 static caravan 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.

You may also be able add on legal cover, gadget cover or accidental damage cover to your policy for an extra cost. 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 offer brand-new replacement cover for your personal possessions too.

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 to cut the cost of your caravan insurance

There are a few things you could do to help reduce the cost of your caravan insurance:

  • Choose a smaller and cheaper model – the larger, more expensive caravan you own, the more you can expect to pay to insure it.
  • Keep your caravan in a secure site or storage facility – if the site is Caravan Storage Site Owners’ Association (CaSSOA) approved, this could reduce your premium.
  • Add more security features – while your caravan may have some security, additional features such as wheel clamps, window locks, trackers and an alarm could help keep your insurance costs down.
  • Build up a no-claims bonustypically, every claim-free year will increase your no-claims bonus.
  • Join a caravan club – some caravan insurance providers offer discounts to members of groups such as the Caravan and Motorhome Club or the Camping and Caravanning Club.
  • Take a caravan towing course – by taking a towing course, you can improve your skills and experience, which can demonstrate to insurance providers that you’re a careful driver.
  • Only get the cover you need – optional extras can push up the price of your premium, so only add on extra cover if you need it.
  • Shop around – comparing quotes could be the best way to find a cheaper caravan insurance deal.

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 insurance

How much does caravan insurance cost?

The cost of caravan insurance reflects the risk the insurance provider faces. It factors in the type and value of your caravan, including how much it would cost to repair or replace.

Other factors such as where your caravan’s kept, how you use it and your claims history will also affect the price of your premium. To get the best caravan insurance quote, it's a good idea to shop around.

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

Touring caravan
£152
Per year[2]

Static caravan
£135
Per year[3]

Motorhome
£425
Per year[4]

[2] 51% of our customers were quoted less than £151.56 for their touring caravan insurance in February 2024.

[3]  51% of our customers were quoted less than £134.24 for their static caravan insurance in February 2024.

[4] 51% of our customers were quoted less than £424.80 for their motorhome insurance in February 2024.

Author image Julie Daniels

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 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
  • 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 caravan insurance providers in around 6 minutes[1] to help you look for cover that meets your needs.

[1] Correct as of June 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 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 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 policies will set out 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 your caravan 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 cover regardless of the type of caravan you’re looking to insure.

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 – 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 insurance, as 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 situation.

This may be included as standard with your policy, or you might need to pay extra to add it. You may see it referred to in your policy as ‘family and friends cover’.

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

Does caravan insurance cover storm damage?

A caravan insurance policy typically covers storm damage as well as 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 or 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.

Page last reviewed on 19 APRIL 2024
by Julie Daniels