You don’t lawfully need insurance for your caravan, but it’s sensible to consider it.
Caravans aren’t covered under car insurance - if you cause a traffic collision and your caravan’s damaged, you’d pay to replace or repair it.
If the accident wasn’t your fault, the other driver’s insurance might pay for the damage because they have third-party liability. However, every car insurance policy’s different and cover isn’t guaranteed.
Caravan insurance, on the other hand, covers you for these scenarios, plus theft and damage, whether your caravan’s static or attached to the car.
Caravan policies should cover you for things like fire, theft, accidental damage and weather damage.
Besides the basics, you can opt for policy add-ons like personal possessions cover and camping equipment cover to upgrade your policy.
A caravan insurance policy could cover you for the following:
Your main home contents insurance could cover some of the possessions in your caravan; it depends on the level of cover you have.
Touring caravans are towed by a vehicle, whereas static caravans are permanent structures often kept on a caravan sites where you have amenities like shops and cafes.
Touring caravans shouldn’t be confused with motorhomes - these usually have separate living and driving spaces and need a specialist type of insurance policy.
If your caravan’s a total loss - damaged beyond repair or stolen - new for old cover will make sure you get a new unit, equivalent to your old one.
New for old cover can also apply to your personal possessions and caravan equipment, so they’d be replaced with brand new as well.
Market value cover will only compensate you for the current value of your caravan at the time of loss. If it’s 20 years old, the insurer will pay out the going rate for a similar caravan of that model, age and condition.
That might make it a bit harder to find and afford a suitable replacement, but it can be a much more cost-effective level of cover, especially for older caravans.
Not everything is covered - you may find that your caravan insurance might not cover you if:
Your name, address etc.
Make, model, reg number, number of bedrooms and usage
Is your caravan alarmed? Where’s it stored? How is it secured?
Info on previous policies and the cover you want to have now
Around one million leisure caravans are in use in the UK – we’d love to help you all find affordable insurance!
According to 2017 statistics from the National Caravan Council Limited
It’ll vary depending on the value of your caravan, whether it’s static or touring, where you live and where you keep it, as well as your own personal circumstances.
Things like safe storage and good security can help to bring down the cost for you.
Yes - you’ll be asked when you get a quote whether your caravan’s your permanent residence.
This is a more specialist type of cover though, so you might find you have a more limited range of providers to choose from.
Most specialist policies cover you outside the UK but check your policy details. Some policies have limited amount of days that you can take your caravan abroad.
Many policies include cover for this so it's easy to lend your caravan to friends or family. Double check your policy details before lending.
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