Touring Caravan Insurance
Touring Caravan Insurance Quotes
Protect your touring caravan while travelling and on holiday.
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Compare quotes from up to 50 UK touring caravan insurers, including;
What Is Touring Caravan Insurance?
Touring caravan insurance is a specialist policy that protects your caravan against damage, theft, and liability while it is being towed, on a pitch, or in storage.
Unlike static caravan insurance, a touring policy covers risks on the road as well as at your destination. Your car insurance may cover third-party liability while towing, but it will not pay to repair or replace the caravan itself.
With caravans ranging from £5,000 to over £30,000, a single accident or theft could leave you thousands of pounds out of pocket. A touring caravan policy fills that gap.
How To Compare Touring Caravan Insurance Quotes
Comparing quotes side by side is the fastest way to find cover that matches your caravan, your travel plans, and your budget.
Gather Your Caravan Details
You will need the make, model, year, and current value. Have your security device details ready too, as alarms, wheel locks, and trackers can affect your premium.
Enter Your Storage and Usage Information
Insurers ask where the caravan is kept when not in use and how often you tour. A secure storage site typically attracts lower premiums than a driveway.
Review the Quotes
Look beyond the headline price. Check the excess, cover limits, and whether European touring is included.
Buy Your Policy
Once you have chosen the right balance of cover and cost, you can purchase online. All policies sold through UK comparison services are regulated by the Financial Conduct Authority.
What Does Touring Caravan Insurance Cover?
A standard touring caravan policy covers the main risks you face on the road, on a pitch, and in storage between trips.
Accidental Damage
Covers repair or replacement costs if the caravan is damaged during towing, manoeuvring, or while pitched. Accidental damage is the most common claim type for touring caravans.
This includes collisions on the road, low-speed bumps on caravan sites, and damage caused while reversing into a pitch.
Theft and Vandalism
Pays out if the caravan is stolen or damaged by an attempted break-in. Most insurers require a hitch lock and wheel clamp to be fitted before a theft claim is valid.
Storm and Weather Damage
Covers damage caused by storms, floods, and high winds. Awning damage from storms is one of the most frequent weather-related claims.
If you tour during autumn or winter, check whether your policy includes flood cover for pitches near rivers or the coast.
Fire
Provides cover if the caravan is damaged or destroyed by fire, whether on site or in storage.
Public Liability
Protects you if your caravan causes injury to someone else or damages their property. Cover is typically set between £2 million and £5 million.
Liability cover applies whether the caravan is being towed, parked on a site, or in storage.
European Touring
Many policies include cover for touring in Europe, usually for up to 60 or 90 days per trip. If you plan longer trips, check whether you need separate travel insurance alongside your caravan policy.
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What Types Of Touring Caravan Insurance Can You Get?
Touring caravan policies come in three main cover levels, similar to car insurance: third-party only, third-party fire and theft, and comprehensive.
| Cover Level | What Is Included | Best For |
| Third-Party Only | Covers damage or injury your caravan causes to others. Does not cover your own caravan. | Older or low-value caravans |
| Third-Party, Fire and Theft | Adds fire damage and theft cover to third-party protection. Does not cover accidental damage to your caravan. | Mid-range caravans kept in secure storage |
| Comprehensive | Covers accidental damage, theft, fire, storm, vandalism, and third-party liability. | Newer or high-value caravans |
Most touring caravan owners choose comprehensive cover. The price difference between comprehensive and third-party is often small relative to the extra protection it provides.
Newer caravans may also qualify for new-for-old cover, which replaces a written-off caravan with a brand-new model of the same specification.
Market value cover pays out the caravan’s current worth at the time of the claim, which reflects depreciation.
What Is Not Covered By Touring Caravan Insurance?
Every policy has exclusions, and understanding them before you need to claim saves time and frustration.
Wear and Tear
Gradual deterioration, including rust, damp, and fading, is not covered. Regular servicing and an annual damp check help prevent long-term damage.
Mechanical and Electrical Breakdown
Faults with appliances, the heating system, or wiring are maintenance issues, not insurable events.
Theft Without Security
If the caravan was not secured with the minimum devices listed in your policy, a theft claim may be rejected. Most insurers require at least a hitch lock and wheel clamp.
Negligence
Damage caused by failing to maintain the caravan or ignoring the manufacturer’s guidelines may void your cover.
Business Use
Using the caravan for commercial purposes, such as renting it out, is usually excluded unless you have added specialist cover.
If you plan to hire your caravan to others, tell your insurer. A standard policy will not cover claims that arise during a rental period.
How Does A Touring Caravan Insurance Claim Work?
Filing a claim follows a set process, and acting quickly with good records makes it smoother.
You return from a walk to find your caravan’s window smashed and awning torn by a storm while pitched on a coastal site. The repair bill comes to £2,800.
You photograph the damage and contact your insurer within 24 hours. They assign a claims handler, who arranges for an approved repairer to inspect the caravan.
Your policy excess is £150. The insurer covers the remaining £2,650 and the repair is completed within three weeks.
Tips for a Smooth Claim
Keep receipts for the caravan and its contents. Photograph damage immediately and report theft to the police within 24 hours.
If the caravan needs to be moved before repairs, ask your insurer first. Moving a damaged caravan without approval can complicate the claim.
How Much Does Touring Caravan Insurance Cost?
Most touring caravan owners pay between £80 and £300 per year, with an average premium of around £150.
| Caravan Value | Typical Annual Premium | Common Cover Level |
| Under £10,000 | £80–£150 | TPFT or Comprehensive |
| £10,000–£20,000 | £130–£250 | Comprehensive |
| £20,000–£30,000 | £200–£350 | Comprehensive |
| Over £30,000 | £300–£400+ | Comprehensive with agreed value |
Security devices, a claims-free record, and secure storage can each reduce your premium. Caravans stored on a driveway typically cost more to insure than those kept at a certified storage site.
Your towing vehicle also matters. A caravan towed by a modern car with stability control may attract a lower premium than one towed by an older vehicle.
How To Save Money On Touring Caravan Insurance
A few practical steps can cut your premium without reducing the cover you need.
Fit Approved Security Devices
A hitch lock, wheel clamp, alarm, and GPS tracker all reduce theft risk. Many insurers offer discounts of 5–15% for each device fitted.
Use a Certified Storage Site
Storing your caravan at a site accredited by the Caravan Storage Site Owners’ Association (CaSSOA) signals lower risk to insurers. Gold-rated sites can attract the best discounts.
Increase Your Voluntary Excess
Raising the excess you agree to pay on a claim lowers your annual premium. Set it at a level you could comfortably afford.
Build a No-Claims Record
Some insurers offer a no-claims discount on caravan policies, similar to the system used for car insurance.
Compare Quotes Every Year
Loyalty rarely pays in insurance. Running a fresh caravan insurance comparison each renewal takes minutes and can save £50–£100.
Devices approved by Sold Secure or Thatcham are recognised by most UK insurers. Check which rating your policy requires before buying.
Compare Touring Caravan Insurance
Compare touring caravan insurance quotes from UK insurers in minutes.
What Add-Ons Are Available For Touring Caravan Insurance?
Standard policies cover the caravan itself, but optional extras can fill gaps that matter to regular tourers.
Contents Cover
Increases the limit for personal belongings stored in the caravan, from electronics to bedding. If you carry high-value items, a standalone contents insurance policy may offer higher limits.
Legal Expenses Cover
Pays solicitor and court costs if you need to pursue or defend a claim after an accident. Cover is usually set at £50,000 to £100,000.
Emergency Accommodation
Covers hotel or B&B costs if storm damage or a fire makes the caravan uninhabitable during a trip.
Breakdown Cover
Provides roadside assistance and recovery if the towing vehicle or caravan breaks down. Some policies bundle this with the main cover.
Awning and Equipment Cover
Extends protection to awnings, solar panels, and satellite dishes that are not always covered under the standard policy.
Awning claims are common after storms, so adding this cover is worth considering if you use a full-size awning regularly.
Frequently Asked Questions
No, there is no legal obligation to insure a touring caravan in the UK. Without cover, you would pay for repairs, theft, or liability claims out of your own pocket.
Your car policy usually covers third-party liability while towing, meaning it pays if your caravan injures someone or damages their property. It does not cover damage to the caravan itself.
Yes, many policies include European cover for up to 60 or 90 days per trip. Check the territorial limits in your policy before you travel.
Most insurers require a hitch lock and wheel clamp as a minimum. Adding an alarm, GPS tracker, or both can reduce your premium and strengthen any theft claim.
New-for-old replaces a written-off caravan with a brand-new model of the same specification, usually available for caravans under a certain age. Market value pays out the caravan’s current worth at the time of the claim, which includes depreciation.
Most owners pay between £80 and £400 per year. The exact premium depends on the caravan’s value, your security setup, storage arrangements, and claims history.
Yes. Some insurers offer seasonal or storage-only cover for caravans that stay on a pitch or in storage for extended periods, which can lower your premium.
It depends on your policy terms. If a hitch lock and wheel clamp are listed as conditions of cover and were not fitted at the time of theft, the insurer may refuse the claim.
Yes, motorhomes and campervans are motor vehicles and need their own policies. Compare quotes through our motorhome insurance page.
Towing rules depend on your driving licence category and the combined weight of the car and caravan. Check the latest GOV.UK towing rules to confirm what you can legally tow.
Most touring caravan policies do not restrict who can use the caravan, but check whether the insurer needs to know about additional regular users.
Photograph any damage, note the date, time, and location, and report the incident to your insurer within 24 hours. For theft, also report it to the police and get a crime reference number.
