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We’re a nation of caravan lovers. But, as with any other type of trip, you’ll need travel insurance, even if you’re staying in the UK. This applies whether your holiday home is a static caravan or tourer.
If you own or are hiring a campervan or motorhome for your holiday, motorhome insurance is a legal requirement.
Here are some other things you’ll need to think about when taking out a policy:
If you’ve rented a static caravan or hired a tourer, single-trip insurance is your best bet if you’re only planning one holiday over the next year. But if you’ve got several trips lined up, you’ll save time and money with annual multi-trip cover.
Annual policies usually cover multiple trips of up to 30 days. If any of your planned holidays are longer than this, you’ll need long-stay travel insurance.
If it’s a family camping holiday, taking out a family travel insurance policy can be more cost-effective. You can take out single-trip and multi-trip policies for families too.
A camping holiday travel insurance policy will cover you for:
Types of specialist cover include:
Always check through your policy so you know exactly what you’re covered for, and compare quotes to get the best deal.
If you own the caravan or motorhome you’re going to be holidaying in, there are other policies and extras:
Covers your static or tourer against things like fire, theft, accidental damage and weather damage
It's required by law, and covers theft and accidents like standard car policies, as well as your camper’s contents
To protect your caravan if your vehicle was to break down and need recovering while on the road
In case your standard breakdown cover doesn’t protect you for trips abroad
Comparing caravan holiday travel insurance will help you to get the right policy for you and your trip. Here are some extra things to bear in mind:
Make sure your policy includes enough cover for the value of all of your belongings, especially if you’re taking any expensive gadgets or equipment
There'll be a single item limit in most policies - the maximum an insure will pay out for one item. Consider extra cover for belongings over this amount
The lower the cost of the policy, the higher the excess tends to be. If you want cover for an expensive item, consider a low-excess policy
If you’re travelling far from home, it’ll be expensive to recover your caravan and car back to the UK if you break down. Make sure your policy includes enough cover for the associated costs