Caravan insurance is not a legal requirement in the UK, but it is still a good idea to have it. Since your car insurance can’t cover you for any damage or repairs involving your caravan, you’ll be reliant on the insurance of the at-fault driver during an accident to cover the costs. If you are the driver at fault, then you could be faced with needing to cover very expensive repairs and damages by yourself.
Whether you require touring or static caravan insurance or even specialised coverage, you should compare caravan insurance providers to find a policy that best suits your needs.
At Quotezone, our UK caravan insurance providers could help find you a tailor-made caravan insurance quote – now that’s reassuring! Not only that, we are totally independent and provide a FREE no-obligation quote system for your online search for the cheapest caravan insurance deals. Policy offers can include full cover for your caravan against fire damage, theft of belongings, towing your caravan, and accidental damage.
A good caravan insurance policy will cover you for the following:
Caravan insurance will help you pay for the cost of repairs and replacement parts needed after an accident. If the accident is someone else’s fault, their third-party insurance should cover these costs.
If your caravan is involved in an accident, it may be difficult to move due to damage. Caravan insurance will cover the costs for professional recovery services which can help get your caravan back home or to a repair garage.
If thieves steal your caravan while its detached, then having a caravan insurance policy in place will cover you against the loss. You can also insure certain contents and belongings should thieves manage to steal them from inside your campervan.
If your caravan causes any property damage or personal injury to others, your caravan insurance will 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.
If your caravan is written off due to an accident, some caravan insurance policies can help you cover the cost of hiring a new one in the meantime.
You should always check your policy details to confirm any coverage exclusions. Caravan insurance will typically not cover the following:
The theft or burglary of your caravan and contents due to lack of security, e.g. leaving windows open and not locking doors, typically won’t be covered by your insurer. Your caravan insurance will also likely be made void if you park your caravan outside its registered storage locations.
Normal wear and tear caused by use and age are not treated as insurable events. Repairs and replacement parts due to wear and tear will not be covered under your policy.
If your caravan is damaged due to rodent and insect infestations, this will typically not be covered under a standard caravan insurance policy.
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.
The average cost of standard touring caravan insurance in the UK is around £150 per year but some quotes can average £80 less to £500 more. The best way of finding out the cost of a caravan insurance policy that is specific to you is to do a caravan insurance comparison online. Insurers will consider the following when calculating caravan insurance quotes:
There are a variety of caravan insurance policies available in the UK to both static and tourer caravan owners, many of which can be tailored to meet your specific needs. The two main kinds of caravan insurance are:
Caravan insurance policies also come with the option for tailored coverage, this means you can choose to add additional coverage such as windscreen cover, European travel cover and breakdown cover.
If you are a motorhome owner then this will technically be classed as a motor vehicle. This means you’ll need motorhome insurance with at least third-party cover in order to legally drive on the road.
Static caravan insurance tends to be slightly cheaper than touring caravan insurance. If you model is in the more expensive range, you can still find cheap caravan insurance by taking some additional steps:
By joining a caravan club, you can reduce your caravan insurance premiums by over 7%. Many insurers will offer discounts to caravan club members.
While you will have to pay more excess in the event of a claim, increasing your voluntary excess can be a good way of significantly reducing your caravan insurance premiums.
Keeping your caravan in a secure location when not in use can be a great way of reducing your premiums. Parking your caravan in a CaSSOA site can save you up to 20% on your premiums.
Avoid extra coverage you don’t need, this will cost you extra.
Static Caravan, Touring Caravan, Folding Caravan, Folding Camper, Trailer Tent – make & model.
Address, storage location, required level of cover & any policy extras.
Address, phone number and insurance start date.
At Quotezone.co.uk we provide a caravan insurance comparison service that lets you quickly and easily compare cheap caravan insurance.
Not only does our service enable you to compare policies from a wide range of different providers, but one short form is all it takes to do this comparison. Making your search for the cheapest van insurance easier.
We only match you with insurers who can meet your needs, so you can specify the exact cover you need on your caravan policy. This can include contents and awning cover, whether you own a single or twin-axle caravan.
Written by Greg Wilson
Page last reviewed on 22nd May 2024 by Greg Wilson
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