We’ve compiled a Caravan Insurance Guide giving you information about the main types of insurance available to help you make a more informed choice when selecting insurance. So if you’re a first time caravan owner, what should you be looking for?
A caravan is a serious investment and you want to keep it protected, and this is where caravan insurance
comes in. As well as being a protective measure against damage to and
theft of your caravan, insurance is also a legal requirement in the UK
as any vehicle that’s taken out onto the roads and motorways must be
You’ll come across two standard insurance types:
Touring caravan insurance
This is for caravans that will be towed behind another vehicle, so if you plan to take your caravan on road trips then this is the option for you. You’ll typically be covered for a whole year’s worth of touring within the UK.
Many touring caravan owners like to take their caravans abroad for European holidays, and most touring caravan policies will include cover for trips within the EU. However, the majority of policies will also have a time limit in place, usually 90 days, so if you plan to holiday for longer than this you will probably have to pay a little extra.
Static caravan insurance
This is for caravans that will be kept in one place only, so this is the policy to opt for if you plan to keep your caravan at a holiday or caravan park.
What to look for:
Policies will usually include cover for the contents of your caravan as well as the caravan itself, but be aware that contents won’t be covered if thieves gain access through an open window or door, so you must keep your caravan securely locked when it is unattended. Your family and friends will also be covered when using your caravan, even when you are not with them, so long as they’re using the caravan within Britain.
One of the main features of many caravan insurance policies is ‘new for old’ cover. This means that if your caravan is under a certain age (this age will differ from insurer to insurer but is usually in the region of 5 years) then if anything happens to your caravan that means that it can no longer be used, you will receive a brand new caravan as a replacement.
If you own an older caravan, you may find it more expensive to insure. However, you can keep the cost of insurance down by installing some security features. Most insurers will give discounts to customers who have immobilizers, alarms, wheel clamps or axle locks fitted. Many insurers will also give discounts to members of the Caravan Owners Club, so you should consider signing up.
If you’re finding that insuring your touring caravan is expensive, consider saving on your car insurance. Any savings that you can make on car insurance will help to lower the overall cost of travelling with your caravan. The internet is the best place to find cheaper car cover. Also look out for specialist caravan insurance brokers and vehicle insurers who offer caravan cover packages as their premiums can be cheaper.
If your caravan has an awning, you can insure this too. Just look for policies that include storm damage cover, or you can add this cover separately.
With both touring and static caravan insurance there are some common exclusions to look out for. These are circumstances in which your insurer will not cover your caravan. One of which is if you are using your caravan as your full time residence. You typically won’t be covered if you are going to be using your caravan as a place for any kind of trade or business profession too. Damage caused by natural wear and tear, as well as damage sustained from insects, mice and other vermin is also typically not covered.