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Who doesn’t love a holiday home on wheels? There are an estimated 550,000 touring caravans in the UK, making caravanning a widely popular choice for a holiday. Cover your caravan and its contents from damage or loss with caravan insurance, whether it's a touring caravan, static caravan, or a motorhome.
Depending on whether the caravan is static or touring, where it is parked overnight, and what sort of locks it has, each caravan will need a different level of protection. Not all caravan insurance policies will offer the same level of protection, so make sure you have all the necessary cover when committing to a policy for your caravan.
The most popular type of cover is touring caravan insurance, which protects your caravan when it is on the road and in a caravan park. Whilst this insurance is not a legal requirement, many people choose to have it to avoid expensive payouts for repairs or replacements following an accident, storm damage, or theft.
Also known as mobile homes, static caravans tend to spend the majority of their life within a caravan park. Static caravan insurance isn’t a legal requirement, however it can be useful to have if you leave your caravan for extended periods of time.
Static caravans are more vulnerable to break-ins and theft, so getting insurance for the contents provides extra peace of mind when you’re not there.
A trailer tent does exactly what it says on the tin, a type of caravan that expands into a tent from a trailer; it is a popular and cheaper option for holidaymakers. While having extra insurance is not required for trailer tents by law, if your car insurance policy covers towing, most people believe it is well worth it for the peace of mind it offers.
Depending on the age of your driving license, you might be required to take an additional test to be legally viable to tow.
Unlike static or touring caravan insurance, insuring your motorhome is a legal requirement as it has its own engine. At most, you need to have third-party insurance on your motorhome to comply with UK laws and regulations.
A comprehensive policy, much like car insurance, should include protection from the following: traffic accidents, repairing damage to your motorhome or other vehicles, and third party, fire and theft. Your motorhome should be covered by insurance whether it's parked or on the road.
Since a caravan (like most vehicles) is driven on the road, it is a good idea to have caravan insurance. It is, however, not a legal requirement to have a specific insurance policy in place for your caravan unless it is a motorhome.
Should you be in an accident where damage is caused to a third-party vehicle, you could be liable to pay any legal fees if you don’t have insurance in place. Most car insurance policies won’t give you extra cover for a caravan in a standard policy, so it’s better to be prepared.
Trailers and caravans are involved in about 11 accidents every day, so drivers are advised to tow safely. Touring caravans can easily be stolen as opposed to static caravans, so having extra protection gives you that peace of mind should anything unfortunate happen.
Each insurer will have different policies for caravan insurance, it is therefore important you know what your policy covers before agreeing to anything.
Depending on your insurer and the policy, caravan insurance might cover:
Caravan insurance might not cover:
In 2021, the average cost of static caravan insurance for a touring caravan worth about £9,000 would be about £150 annually. In 2021, the average annual cost of static caravan insurance would be £300 for a caravan worth around £45,000.
Additional security features on your caravan, such as wheel locks, safe and agreed-upon parking places, and good locks on the windows and doors, can help to keep insurance premiums down.
There are a few checklists you need to determine before you take out a policy against your caravan or static caravan in the UK.
Whether your caravan has secure locks on windows and doors, and wheel locks etc.
Where your caravan is parked may affect the price of premiums, i.e. if there is a higher crime rate in the area.
The age, model and manufacturer of the vehicle.
The main purpose for owning the caravan and how you use it.
This is an important factor for touring caravan owners.
Only claims related to the caravan.
The value of the contents in your caravan (if applicable).
Should you need to make a claim, most insurance providers will have a helpline and a specific procedure in place - contact information will be available on the insurer’s website, and your policy documents. Typically, they require the following information:
By comparing different policies and insurance companies, Quidco can provide cheap caravan insurance quotes with up to £20 in cashback. Simply work out the type of cover you need for your caravan, then use the comparison tool to get instant quotes and find the ideal static caravan insurance.
If you plan to travel abroad with your touring caravan, you can add European towing cover. Insurers will provide policies for touring caravans in most popular European countries, including France, Spain, Portugal and Italy.
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When using the Compare service, you must take reasonable care to answer insurers' questions fully and accurately and if you volunteer other information, you must take reasonable care to ensure that the information is not misleading. If any information that you have provided changes before you take out your insurance, during the life of the policy or at renewal you must inform the insurer or broker of the change. If you deliberately or carelessly misrepresent any information in relation to this insurance, then your policy may not pay all, or part, of a claim and could in certain circumstances be avoided altogether.