Caravan Insurance
Compare Caravan Insurance Quotes
Caravan insurance that protects your caravan & its contents.
Compare quotes & buy online from top UK caravan insurers, including;
What Is Caravan Insurance?
Caravan insurance is a specialist policy that protects your touring caravan, static caravan or motorhome against theft, accidental damage, storm damage and third-party claims.
Unlike car or motorbike insurance, caravan cover isn’t a legal requirement. Your towing vehicle’s policy covers third-party liability while the caravan is attached, but it won’t pay for damage to the caravan itself, theft from storage or weather damage.
The National Caravan Council (NCC) represents over 900,000 touring and static caravans across the UK. Without a dedicated policy, you’re carrying the full cost of replacement if something goes wrong.
How To Compare Caravan Insurance Quotes
Comparing quotes from specialist caravan insurers is the best way to find cover that matches your caravan’s value, how you use it & where you store it.
Enter caravan details
You’ll need the make, model, year, current value and CRiS (Central Registration and Identification Scheme) number.
Choose cover type
Decide between new-for-old, market value or agreed value cover. Your choice determines how much you’d receive if the caravan is written off or stolen.
Compare quotes
Enter your details once and compare prices from specialist UK caravan insurers.
Buy online
Once you’re happy with the policy, buy it directly through the provider.
What Types Of Caravan Can You Insure?
Specialist policies exist for every type of leisure vehicle, from lightweight tourers to permanent static homes.
Touring caravans
Towed behind a car or van, touring caravans need cover for both road use and storage. Your car insurance covers third-party liability while towing, but a separate touring caravan insurance policy protects the caravan itself. Policies typically cover accidental damage, theft, storm damage, fire and third-party property damage when the caravan is detached and on a pitch.
Static caravans
Permanently sited on a holiday park or private land, static caravans face different risks than tourers. A dedicated static caravan insurance policy covers storm damage, flooding and subsidence, which are the most common claims. Most site owners require you to hold insurance as a condition of your pitch agreement. Check whether the site’s own insurance covers your unit or just the communal areas.
Motorhomes and campervans
Motorhomes are treated as motor vehicles, so they need motorhome insurance by law. Smaller self-builds and conversions may qualify for campervan insurance instead. For larger motorhomes over 3.5 tonnes, you may need truck-class insurance rather than a standard motorhome policy.
Trailer tents and folding campers
Lighter and cheaper to insure than full touring caravans. Many standard policies cover trailer tents, but check the maximum value and weight limits on the policy.
What Does Caravan Insurance Cover?
A standard caravan insurance policy protects your unit, its contents and your liability to others, whether the caravan is on the road, on a pitch or in storage.
Accidental damage
Covers damage caused by collisions, tipping over, jack-knifing while towing or accidental impacts while manoeuvring on site. This is the most common claim type for touring caravans.
Theft and attempted theft
Pays out if your caravan is stolen or damaged during a break-in. Most insurers require you to fit an approved hitch lock and wheel clamp when the caravan is detached from the towing vehicle.
Storm, flood and weather damage
Covers damage from storms, high winds, hail, flooding and falling trees. This is the biggest risk for static caravans, particularly those sited in coastal or flood-prone areas.
Fire damage
Covers fire, explosion and smoke damage. Gas appliances and electrical faults are the leading causes of caravan fires, so insurers may ask about your gas safety certificate.
Third-party liability
Covers claims from other people if your caravan causes injury or property damage while it’s detached from the towing vehicle. For example, if the caravan rolls off its pitch and hits a neighbouring unit.
Content cover
Protects personal belongings inside the caravan, typically up to a set limit (often £3,000 to £5,000). High-value items like electronics or bikes may need to be listed separately.
What Does Caravan Insurance Exclude?
Every policy has exclusions, and knowing what isn’t covered helps you avoid surprises at claim time.
Common exclusions
Most policies won’t cover general wear and tear, mechanical or electrical breakdown, damage caused by poor maintenance, or loss of use while the caravan is being repaired.
Inadequate security
If you don’t meet the insurer’s security requirements (hitch lock, wheel clamp, alarm or tracking device), your theft claim could be refused. Always check what security measures your policy demands.
Unoccupied period limits
Many static caravan policies limit cover when the unit is unoccupied for extended periods, typically over 30 or 60 consecutive days. Touring policies may have similar restrictions for caravans left on-site over winter.
If your insurer refuses a claim and you think the decision is unfair, you can escalate to the Financial Ombudsman Service for free independent dispute resolution.
What Cover Types Are Available?
Caravan insurers offer three main valuation methods, and the one you choose affects both your premium and your payout if the worst happens.
New-for-old cover
If your caravan is written off or stolen within a set period (usually 1 to 5 years from purchase), the insurer replaces it with a brand-new equivalent. This is the most generous option and typically costs the most.
Market value cover
Pays out the caravan’s current market value at the time of the claim. Because caravans depreciate, the payout may be less than you paid, particularly after the first few years.
Agreed value cover
You and the insurer agree a fixed value when the policy starts. If the caravan is written off, that’s the amount you receive.
Agreed value is popular for classic or vintage caravans where market value can be hard to pin down.
| Cover Type | Payout Basis | Best For |
| New-for-old | Brand-new replacement | Caravans under 5 years old |
| Market value | Current market price | Older caravans, lower premiums |
| Agreed value | Pre-agreed fixed amount | Classic, rare or modified caravans |
What Add-Ons Should You Consider?
Most policies let you bolt on extra cover for risks that are not included as standard. Not all add-ons are worth paying for, but several can save you money in the long run.
Breakdown and recovery cover
Roadside assistance, recovery and relay for your caravan and towing vehicle. Some policies include home-start and onward travel to your destination.
Emergency accommodation
Pays for hotel or alternative accommodation if your caravan is damaged and uninhabitable during a trip. Limits typically range from £500 to £1,500.
European travel cover
Extends your UK policy to cover European touring for a set number of days per year. Check the list of covered countries, as some policies exclude Eastern Europe.
Contents and personal effects
Increases the standard contents limit for high-value items like bikes, kayaks or electronics. Individual item limits (often £500 to £1,000) may also be raised.
Awning and equipment cover
Covers your awning, annexe, solar panels, satellite dishes and other external equipment. These items are often excluded from the main policy’s accidental damage cover.
Public liability cover
Protects you if someone is injured or their property is damaged because of your caravan. If you run a caravan hire business, you’ll need separate public liability insurance with higher limits.
Legal expenses cover
Covers legal costs if you need to pursue a claim after an accident that wasn’t your fault. Limits are typically £50,000 to £100,000.
How Much Does Caravan Insurance Cost?
Touring caravan insurance typically costs between £120 and £350 per year, while static caravan cover ranges from £100 to £300+ depending on location, value and cover level.
Cost by caravan type
| Caravan Type | Typical Annual Premium | Key Cost Factor |
| Touring (under £15k) | £120 – £200 | Storage type and security |
| Touring (£15k – £30k) | £200 – £350 | Value and new-for-old period |
| Static (holiday park) | £100 – £200 | Location and flood risk |
| Static (private land) | £150 – £300+ | Security and access |
| Motorhome (under 3.5t) | £250 – £500 | Engine size and driver age |
| Trailer tent | £80 – £150 | Lower value, lower risk |
What affects your premium?
Your premium is based on the caravan’s value, age and type, where it’s stored (approved CaSSOA site vs driveway vs open field), your claims history and the security devices fitted.
Location matters too. Coastal and flood-zone static sites attract higher premiums because storm and flood claims are more frequent.
How To Save On Caravan Insurance
Small changes to your security, storage and policy setup can cut your premium by 10% to 30%.
Store at a CaSSOA-approved site
The Caravan Storage Site Owners’ Association (CaSSOA) rates storage sites from Bronze to Platinum based on security. Storing at a Gold or Platinum-rated site can reduce your premium because insurers know the site meets strict standards.
Fit approved security devices
A CRiS-registered tracking device, Al-Ko Secure wheel lock or Sold Secure hitch lock all signal lower theft risk to insurers. Some providers won’t cover caravans above a certain value without approved security fitted.
Increase your voluntary excess
Raising your excess from £100 to £250 or £500 reduces your premium. Make sure you can afford the total excess if you need to claim.
Pay annually
Monthly payments include interest, typically adding 15% to 25% to the total cost. Paying in a single lump sum avoids these charges.
Compare quotes every year
Caravan insurance is a specialist market with fewer providers than car or motorbike insurance. Comparing quotes each year is the simplest way to check you’re not overpaying.
Consider seasonal cover
If you only use your touring caravan from April to October, some insurers offer seasonal policies or reduced rates for the off-season when the caravan is in storage.
Bundle mutiple vehicles
If you own a caravan, car and other vehicles, ask about multi-vehicle discounts. Businesses running caravan hire fleets should look into fleet insurance for bulk cover at reduced rates.
Check your home insurance
Some home contents policies include limited cover for personal belongings in a caravan. Check before paying extra for contents cover on your caravan policy.
What Are the Towing Rules?
Towing a caravan on UK roads comes with specific legal requirements that affect both your driving licence and your insurance.
Licence requirements
Since December 2021, drivers with a category B licence can tow trailers up to 3,500kg MAM without a separate test. The GOV.UK towing rules explain the weight limits and what you can tow with each licence category.
Speed limits while towing
Caravans are subject to lower speed limits: 50mph on single carriageways, 60mph on dual carriageways and motorways. Exceeding these limits could void your insurance in the event of a claim.
Insurance while towing
Your car insurance or van insurance covers third-party liability while towing. But it won’t cover damage to the caravan itself, which is why you need a separate caravan policy.
Frequently Asked Questions
No, caravan insurance isn’t legally required. Your towing vehicle’s insurance covers third-party liability while attached, but most caravan site owners require you to hold insurance as a condition of your pitch agreement.
Only partially. Your car policy covers third-party liability while towing, but it won’t pay for damage to the caravan itself, theft, contents or storage, so you need a separate caravan policy.
Most insurers require at least a hitch lock and wheel clamp when the caravan is detached. Higher-value caravans may need a CRiS-registered tracking device and a Sold Secure-rated alarm.
Yes, most specialist caravan insurers cover static units on licensed holiday parks. The site owner’s insurance typically covers communal areas only, not your individual unit.
CaSSOA is the Caravan Storage Site Owners’ Association, which rates storage sites from Bronze to Platinum based on security features. Storing at a higher-rated site can reduce your premium.
New-for-old replaces your caravan with a brand-new equivalent if it’s written off within a set period (usually 1 to 5 years). Market value pays what the caravan is worth at the time of the claim, which may be less than you paid.
Most policies include contents cover up to a set limit, typically £3,000 to £5,000. High-value items like electronics or bikes may need to be listed separately and may have individual item limits.
Yes, but you’ll need European travel cover as an add-on to your policy. Check which countries are included and how many days you’re covered for, and confirm whether your breakdown cover extends abroad.
Storm damage is covered under most standard caravan policies. Contact your insurer as soon as possible with photos of the damage and receipts for any emergency repairs.
It’s strongly recommended, since theft and storm damage can happen while your caravan is in storage and your home insurance won’t cover a caravan stored off-site. CaSSOA-approved sites offer better security, but insurance is still advisable.
Start by following your insurer’s formal complaints process. If you’re not satisfied with the outcome, you can escalate to the Financial Ombudsman Service for free independent dispute resolution.
