Caravan travel insurance

Whether you’re touring around Scotland or pitching up in Tenby, having caravan travel insurance means you can enjoy your holiday knowing you should be taken care of if something goes wrong.

Whether you’re touring around Scotland or pitching up in Tenby, having caravan travel insurance means you can enjoy your holiday knowing you should be taken care of if something goes wrong.

Josh Daniels
From the Travel team
6
minute read
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Posted 17 AUGUST 2021

How does insurance work for caravan holidays?

If you own a caravan, campervan or motorhome, you’ll need to make sure you have the right insurance in place ahead of your getaway.

Essentially, there are two types of insurance you’ll need to think about:

  • cover for the vehicle itself
  • cover for your holiday

You can either take these out separately or get them together from a specialist caravan and motorhome insurance provider. The type of cover you need will also depend on the type of caravan you have.

Travel insurance policies can include cover for expenses if you have to cancel your trip, find alternative caravan hire, fall ill or lose your possessions. It can also cover pre-booked caravan pitches, which means you can recoup some of your losses if you have to cancel your accommodation or leave the site early.

You can take this out alongside caravan insurance, which can cover your caravan.

Alternatively, some specialist policies will strip out unnecessary travel protection, like flight delays and loss of luggage at airports, to create a bespoke product for caravanners. Some will even provide cover for your beloved pets so they can enjoy a holiday too.

CORONAVIRUS UPDATE 

A travel traffic light system has been introduced for international travel. From 19 July 2021, trips to green and amber listed countries are legally permitted if you live in England and Scotland. However, you’ll still need to fulfil any pre-departure requirements, such as testing. If you live in Wales and Northern Ireland, you still need to follow the rules of your relevant government.

If a country is on the green or amber list, you still need to check the latest travel advice and entry requirements for each country you visit or transit through. This is to ensure you’re aware of any specific requirements relating to entry and to check travellers from the UK are permitted.  You may need to prove your vaccination status to avoid having to quarantine on arrival overseas. Countries can have their traffic light status changed at short notice and you should take this into consideration when looking to travel. Please check the Foreign, Commonwealth & Development Office (FCDO) advice for the latest information.

The FCDO currently advises against all but essential travel to red listed countries. Should you choose to travel against the FCDO rules, you will not be covered by any travel insurance policy you purchase. Some providers do offer cover for international travel if you’re travelling for essential purposes, however most do not. In all cases, should you have any queries please check the policy wording or contact your chosen provider before purchasing to ensure the cover meets your needs.

Travel within England, Scotland and Wales is permitted under the current guidelines. However, public health rules and lockdown restrictions continue to vary, including entry restrictions for Northern Ireland. Check the latest guidance from the official tourism boards for England, Scotland, Wales and Northern Ireland.

Find out more here

Customers with more serious pre-existing medical conditions

Our panel includes insurance providers who quote cover for all medical conditions declared on our website, with no exclusions.

The Money and Pensions Service (MaPs) has launched a directory of insurance providers on its Money Advice Service website that may be able to provide quotes over the phone, if you have more serious medical conditions. Find more information at the Money Advice Service or by calling the British Insurance Brokers’ Association on 0370 950 1790.

Caravan holiday home insurance

Whether your holiday home is a touring caravan or a static caravan, it’s a good idea to take out travel insurance, even if you’re staying in the UK.

If you tow your caravan behind your car, touring caravan insurance can cover the caravan if it’s damaged in an accident. If you go abroad, make sure you have European towing and European breakdown cover. Without it, you’re likely to find it expensive to recover your caravan and car back to the UK if your vehicle gives up the ghost.

If you own a static caravan, some caravan parks will insist you have static caravan insurance as a condition of keeping your mobile home on their site. This type of insurance usually covers things like storm damage, fire, theft and contents.

Campervan travel insurance

Campervans and motorhomes aren’t classed as caravans because they act as a vehicle as well as accommodation. If you own one or you’re hiring a campervan for your holiday, motorhome insurance is legally required. It covers injury or damage you cause to others, theft and accidents, as well as your camper’s contents.

A specialist policy may combine campervan holiday insurance with your motor insurance, but you can also take these out separately.

If you’re planning a long tour of Europe in your campervan, you’ll need to make sure your travel insurance covers you for your whole trip.

Types of travel insurance for caravan holidays

Before taking out caravan and motorhome travel insurance, think about who you’ll need to include in the policy and what you want it to cover. The most common types of policy are:

  • single trip – if you’re renting a static caravan or hiring a tourer, single-trip insurance will give you the cover you need if you’re only planning to travel once in a year.
  • annual multi-trip – if you have several trips away in your caravan or motorhome planned, this type of policy gives you the freedom to holiday more than once a year. Annual policies usually have a limit of 31 days for trips abroad. If any of your planned holidays are longer than this, you’ll need to pay for extra cover or take out long-stay travel insurance.
  • family – if you’re going on a camping trip with your kids, taking out a family travel insurance policy can be better value than buying individual policies.

What does a caravan holiday insurance policy cover?

A caravan travel insurance policy can cover you for a wide range of things that could go wrong while travelling, including:

  • illness and medical emergencies – if you or someone named on your policy needs medical treatment abroad or has to be repatriated to the UK, you can recover the cost of your medical expenses.
  • theft and loss of belongings – you’ll be covered if your personal possessions are lost, stolen or damaged while you’re travelling or at your destination. If you’re carrying a particularly valuable item or a phone/gadget, you may need to insure it separately.
  • cancelling or cutting short a trip – this can compensate you if you’re unexpectedly forced to cancel or cut short your holiday. Reasons for this could include a family bereavement or illness, and some policies will cover coronavirus.
  • travel delays – you’ll be financially protected if the ferry or Eurotunnel shuttle you’re taking your caravan or campervan on is significantly delayed or cancelled due to industrial action or adverse weather conditions.
  • personal liability – if you’re held responsible for causing damage or injury to another person while you’re on holiday, this can cover your legal expenses.

Do I need extra travel cover?

If you’re thinking of enjoying some active adventures while you’re on your caravan holiday, check the wording on your policy to make sure your chosen sport or activity is included. If you’re going to be hitting the slopes or planning any adventurous sports during your trip, you may need to pay a bit extra to add winter sports or extreme sports cover as an extra.

If you have a pre-existing medical condition, you may need specialist travel insurance with medical conditions. You must tell your insurance provider about your health condition because your policy might not be valid if you don’t.

Some providers put an age limit on their travel cover, but this doesn’t have to stop you enjoying a caravan break. You may need to buy specialist over 65s travel insurance instead of a standard policy.

Whichever policy you decide to take out, it’s important to read the terms and conditions carefully so you know exactly what’s covered and what’s not. 

Frequently asked questions

What else should I think about with caravan travel insurance?

To make sure you get the right level of cover for your trip, here’s a few extra things to bear in mind.

  • Doubling up – some specialist caravan insurance policies offer the same form of cover you might already have in your home or another travel insurance policy. You could end up paying for cover that you already have.
  • Value of belongings – add up how much it would cost to replace all the possessions you’ll be taking away with you. Make sure you have enough cover, especially if you’re holidaying with expensive gadgets or equipment.
  • Excess – the amount you agree to pay towards an insurance claim will affect the cost of your policy. The higher the excess is, the less you’ll pay for your cover.

Does travel insurance cover campervan hire?

If you hire a campervan, motor insurance will usually be included in your rental agreement. But many policies won’t include your personal possessions, only damage to the camper itself. A travel insurance policy can cover your belongings if they’re lost, stolen or damaged.

Do I need travel insurance for a caravan holiday in the UK?

Although you won’t need travel insurance to cover the cost of emergency medical treatment as we have the NHS, it can still be worth having. It can help if your holiday has to be cancelled or your belongings are stolen. And if you get ill and you're too poorly to go home, your travel insurance can pay for additional travel or accommodation costs.

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