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Classic Caravan Insurance

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Do I need caravan insurance?

Taking out insurance for a static or touring caravan is not a legal requirement in the UK. However, your car insurance will only offer third-party only cover for your caravan at most. So, taking a separate policy is a smart move and part of caring for your caravan.

This insurance can help secure your investment, or save your holiday plans when things go wrong. Without it, you could face the cost of repairs or completely replacing your caravan alone.

At Quotezone, our UK caravan insurance providers can help find you a tailor-made quote. We provide a free, no-obligation quote system for your online search for the cheapest caravan insurance deals.

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What are the different types of caravan insurance?

Finding the right type of insurance for your caravan is essential to staying properly insured. Understanding the different specialist options to get the cover you need.

Touring caravan insurance

Your car insurance might offer third-party protection while towing a caravan, but this won’t offer any protection for your caravan itself. Shopping around for a touring caravan insurance quote can give you a better idea of what touring caravan insurance can cost, so you don’t overpay.

Static caravan insurance

Static caravan insurance can protect your mobile or holiday home and its contents from fire, flooding and theft. Without this protection, you could lose the caravan in an accident, or be left with hefty repair costs.

Folding caravan or trailer tent insurance

Folding caravans and trailer tents can be more lightweight and easier to store, but this also makes them vulnerable to theft and damage. Specialist insurance can help cover repair or replacement costs if they are stolen, damaged, or affected by bad weather.

Park home insurance

Park home insurance is designed for caravans that are used as your main residence. This is an important distinction for insurers as it increases the risk of accidents or damage. Be aware that failing to declare that you are living in a caravan could risk invalidating your policy completely.

Motorhome & campervan insurance

If you are a motorhome or campervan owner, you will need specialist motorhome or campervan insurance policies. These cater to motor vehicles, providing third-party cover so they can legally drive on the road.

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How does caravan insurance work?

Caravan insurance in the UK can be tailored to meet your specific needs. So you can choose to add additional coverage such as windscreen cover, European travel cover, and breakdown cover. However, the majority will be divided into these two main kinds of insurance for caravans.   

New for old

If your caravan is written off or stolen, new for old insurance will cover your caravan for the value of a brand new replacement model.

Market value

This insures you for the market value of your caravan at the time of the claim. If your caravan is older than 20 years, your insurer will pay out at the rate of a caravan with a similar make, age and condition.

What does caravan insurance cover?

Exact coverage will vary from policy to policy. However, these insurance policies will typically cover:

Traffic accidents

Towing a caravan can be tricky, especially if you are new to it, or in a country that requires you to drive on the left. This insurance can help you pay for repairs and replacement parts after an accident, or if your caravan is written off completely.

Caravan recovery

If your caravan is involved in an accident, it may be difficult to move due to damage. This insurance could cover the cost of professional recovery services which can help get your caravan back home, or to a repair garage.

Theft & burglary

Caravan burglary can be a real risk, especially in popular camping destinations. If thieves steal your caravan while it’s detached, insurance could cover you against its loss. You can also insure certain contents and belongings should thieves manage to steal them from inside your caravan.

Third-party liability

If your caravan causes property damage or personal injury to others, your insurance will usually cover you for third-party liability costs. This means you’ll be covered for the costs of damages and injuries caused by your caravan and any resulting legal fees.

Write offs

If your caravan is written off due to an accident, some motor caravan insurance in the UK can help you cover the cost of hiring a new one in the meantime.

What is not covered by caravan insurance?

These are specific to the insurer and your policy, so you should always check the fine print to confirm any exclusions. This insurance will typically not cover the following:

Negligence

The theft or burglary of your caravan or its contents due to a lack of basic security. This could be leaving windows open or not locking the doors. Your insurance could also be made void if you park your caravan outside of its registered storage locations.

Wear and tear

Normal wear and tear caused by use and age are not treated as insurable events. This could be particularly relevant if you own a classic caravan, or older models that have succumbed to damp.

Infestations

If your caravan is damaged due to rodent and insect infestations, this will typically not be covered under a standard insurance policy.

Unapproved use

Using your campervan for purposes which it is not designed or intended for will also likely cause your insurer to reject any insurance claims for related damage. This could also include living in the caravan full-time without declaring this to your insurer.

How much is caravan insurance?

The average cost of UK caravan insurance will vary depending on a few key factors. And each caravan insurer will weigh these up differently. This is why it’s essential to start with a caravan insurance comparison, so you avoid paying over the odds. 

Factors that insurers consider when setting caravan insurance costs in the UK can include:

1. Your caravan’s estimated market value

4. Where your caravan is parked

7. What fuel is used for cooking and heating

2. Your estimated annual towing mileage

5. Will you take your caravan overseas

8. The security features of your caravan

3. The value of your caravan contents

6. If you’ve claimed on a caravan policy in the past five years

9. How your caravan is anchored

Tips when shopping for cheap caravan insurance

Join a caravan club

Many insurers will have deals with caravan clubs, and offer discounts to their members. By joining a caravan club, you could reduce your insurance premiums.

Increase voluntary excess

While you will have to pay more excess in the event of a claim, increasing your voluntary excess can be a good way to find cheaper premiums.

Store your caravan securely

Keeping your caravan in a secure location when not in use can be a great way of reducing your premiums. Some insurers will offer discounts for parking your caravan on a CaSSOA site (Caravan Storage Site Owners’ Association).

Avoid unnecessary cover

Avoid extra coverage you don’t need. More cover or add-ons can be nice to have, but they will typically cost you extra.

What details do I need to get insurance for my caravan?

Caravan details

You will need to indicate the type of caravan you want to insure. Whether it is static, touring, folding, or a trailer tent. You’ll also need to know the make and model, for example if you are insuring a hobby caravan. 

Location & Cover

Provide a postcode or address for where the caravan is stored. And choose the type of cover and extras you want on the policy.

About You

Give basic details about yourself, like your address, phone number, and when you want the insurance to start.

Caravan Insurance FAQs

What’s the difference between static and touring caravans?

Static caravans are also known as mobile homes or holiday homes. They stay in one location whereas caravans have wheels and can be towed behind a car or van. Typically, static caravans are prefab buildings with more space and home comforts. Touring caravans on the other hand are smaller and more portable.

What is family cover on caravan insurance?

Typically your caravan will only be insured for your use. However, you can also add family & friends to your policy, so they can use the caravan too. This cover will only apply to friends and family that are named under your cover.

Will caravan insurance cover me outside the UK?

Some caravan insurers will offer coverage for travel outside the UK, including taking your caravan to continental Europe. Confirm your coverage needs with your insurer if you are planning on travelling overseas with your caravan.

What types of caravan can I insure?

Touring caravans and static caravans are the most common types of caravan covered by insurers. But you can also insure folding caravans and trailer tents. Motorhomes and campervans are treated as motor vehicles, so will require separate third-party motor insurance.

Written by Greg Wilson

Page last reviewed on 22nd May 2024 by Greg Wilson

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