Frequently asked questions on caravan insurance

Get the answers to FAQs on caravan insurance policies, then compare quotes to find the right deal for you.

Do I need caravan insurance?

Whilst car insurance is a legal requirement, insurance for a touring caravan that's towed isn't. However, not all car insurance policies cover caravans and those that do sometimes have restrictions on weight or size.

There are also risks, such as theft and accidental damage, which make caravan insurance highly advisable. Read more in our beginners' guide to caravan insurance.

What are the types of caravan insurance?

There are three main types of caravan insurance:

  • Touring caravan insurance - typical features include new-for-old and European cover
  • Static caravan insurance - for caravans fixed in one location, for example at holiday parks
  • Trailer tent and folding camper insurance - typical features include new-for-old cover, European cover, cover for weather damage to awnings and cover for year-round touring and storage.

What should I look for in a caravan insurance policy?Touring

This will generally depend on who uses your caravan, how often and for what purpose. Consider policy features such as:

  • Family and friends cover
  • European cover
  • Cover for your valuables and awning
  • Storm damage cover
  • Accidental damage cover

Do I need to pass a test to tow a caravan?

If you passed your car driving test on or after 1 January, 1997, and you want to tow a caravan or trailer, you may need to take another driving test known as the B+E test. Read more in our guide to towing.

Are there any exclusions on caravan insurance?

Ensure you check the terms and conditions of your policy for any exclusions, however things to look out for include:Static

  • Restrictions on the age of your van
  • Contents cover if there is no forced entry
  • Mechanical and electrical breakdown
  • Wear and tear
  • Mildew damage
  • Vermin damage
  • If the van is used as a place of trade

How can I make my caravan secure?

Improving your caravan security could help to reduce the price of your insurance. Ways in which you could do this include:

  • Clamping the wheels of your caravan when it's not in use
  • Use a hitch lock on your tow bar when it's not in use
  • Install a Thatcham-approved alarm
  • Install a tag or tracker to your caravan
  • Fit security tags and use corner steady locks to lock down the rear corner of touring caravans

Is my primary home still insured if I spend a long time in my van?Caravan

Check with your home insurer if you spend more than three weeks away from your primary home at a time.

Specialist unoccupied property insurance is available for homes that are left unoccupied for extended periods.

Any other questions?

See if you can find the answers in our caravan insurance guides.

By Sean Davies