Do you need caravan insurance?
It is a legal requirement that all vehicles on the roads must be insured and caravans are no exception.
Policies can vary widely depending on the level of cover you take out, and you should examine the terms
and conditions carefully for exclusions – circumstances in which you will not be covered.
Types of caravan insurance
There are three main types of caravan insurance:
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Touring caravan insurance – Typical features include new for old cover, so that if your caravan is
under an age limit and fulfils certain requirements it may be replaced with a brand new model if
it is stolen or written off; and European cover for trips overseas. Your touring caravan will not
normally be covered if it is used as a place of trade.
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Static caravan insurance – For caravans fixed in one location, such as those usually located at
holiday parks. Theft of contents will not normally be covered unless there is forced entry.
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Trailer tent and folding camper insurance – This will typically include new for old cover,
European cover, cover for year-round touring and storage and cover for weather damage to awnings.
Exclusions may include mildew and vermin damage and cover for personal effects.
Choosing the right caravan insurance company
When determining which caravan insurance deal is right for you, look beyond price alone and consider
what cover is offered. – for example, are you protected against the caravan being stolen, storm damage
and accidental damage? Consider whether you want personal effects to be covered as part of the policy,
as well as awnings, and whether you need cover for travelling overseas. Once you have decided on the
features that are important to you, compare quotes online to find the right deal to suit your needs.
How can you lower caravan insurance premiums?
Some caravan insurance companies will lower their premiums if you take steps to improve the security
of your caravan. For example you could fit a Thatcham-approved alarm, immobiliser or tracker device,
use mechanical devices such as wheel clamps and hitch locks, fit security tags and use corner steady
locks to lock down the rear corner of touring caravans. Consult your insurer about which security
devices earn the largest discounts before you buy.
For more information, read our caravan insurance guide