Static caravan insurance
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INSURE YOUR TOURER OR GET COVER FOR YOUR STATIC. COMPARE CARAVAN INSURANCE.[1]
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, usually kept on a caravan sites where you have amenities like shops and cafes.
Touring caravans shouldn’t be confused with motorhomes either. Both have living quarters on board, but caravans are towed, while motorhomes are driven.
Because motorhomes have a cab and engine attached, they're vehicles, so you need specialist motor insurance for them.
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
You could make your caravan insurance cheaper by:
Wheel clamps, window locks and alarms are handy to have
Increase the external security on your static, and find somewhere safe to store a tourer
Some insurers offer discounts for members of the Caravan and Motorhome Club or Camping and Caravanning Club
Don’t skimp on cover, but don’t pay for optional extras you don’t need
Compare caravan insurance policies to find the best one for you
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Page last reviewed: 23 February 2023
Page reviewed by Ryan Fulthorpe
[1] Gocompare.com introduces customers to i-Wonder Aggregator Services Limited which is an Appointed Representative of ITC Compliance Limited which is authorised and regulated by the Financial Conduct Authority. Gocompare.com’s relationship with i-Wonder Aggregator Services Limited is that of a business partnership, no ownership or control rights exists between us.