Caravan Insurance



Having caravan insurance is essential. It gives you peace of mind just in case of an accident or having your caravan stolen or damaged.

Caravan insurance.  Caravan on motorway


Touring Caravan Insurance is one of the most important things to remember to arrange once you have purchased a caravan. You wouldn't want your new pride and joy going missing before you have even had a chance to use it?! After all, we pay for our house, pet, car and health insurance, so why not our caravan?

When it comes to caravan insurance services, make sure you choose wisely and always shop around for the best caravan insurance price. There are many different insurers out there offering different discounts. ALWAYS read the small print as you may think that you are covered for something only to find out you are not when it's too late.

Before choosing your insurance, it is probably wise to make a note of exactly what you need cover for.

Firstly the caravan itself. You will need to give the insurance company the make, model and value of your caravan. Most insurers offer new for old but this is dependent on the age of your caravan. Basically new for old means that the insurer should give you the current market value of a new model of your caravan. If you cannot get new for old because of the age of your caravan, you may find that it might cost more to insure because of it's age. However, most insurance companies offer good discounts if you have fitted security devices to your caravan - the more the better! Ask the insurance company which devices need to be fitted to get a discounted rate.

Caravanwise Caravan Insurance - quick and easy online quote for caravan insurance.

Don't assume that just because you have taken out immediate caravan insurance you are covered for everything. You will find more often than not that there will always be something that is not covered. Accidental damage, storm and flood damage is often missing on basic policies.

Contents cover is a must-have. Don't assume that just because you shut all your windows and lock your door when you go out that your contents inside the caravan are safe. More often than not they probably are, but there is always a risk that they will not be. Check carefully what you need to cover and also check what your household insurance already covers. You may find that some items are already covered by your household insurance in which case there is no point in paying to cover them again.

If you're thinking about taking a trip in a caravan, make sure you have breakdown cover. PetrolPrices.com have compared all the leading breakdown providers by both price and policy details so that you can find the right level of breakdown cover suited to your trip.

Taking out an excess on your policy will lower the annual insurance cost. The more excess you are prepared to pay, the more your premium will be reduced.

Make sure you read your policy very thoroughly and if you are not sure of something, ask the insurance company to explain it. Also, read the exclusions and only take out a policy when you are completely sure that it is the right one for your needs. Always compare caravan insurance quotes before you buy.

One final note, always remember to follow your policy requirements. Always fit any security devices because if your caravan ever gets stolen or broken into and you have not fitted the security devices stated on your policy, or that you forget to switch on your alarm or tracking device, you might find that you have invalidated your insurance terms and will end up out of pocket.

If you would like to recommend some caravan insurance services, please contact us and we will add them to this page.


We have received the following e-mail from Wendy which we thought was worth adding to our website. Have a read ...

I came across your site whilst looking for the Romsey caravan show. We have been caravanning for 5 years and before that camping for 20. I found your website very informative.

May I ask that you consider adding a bit of advice to your site concerning caravan insurance.

Following my experience last year can I ask you to recommend to your readers that they thouroughly check their caravan insurance and that sites they use strictly enforce fire regulations. Your advice on caravan insurance seems to mention only the risks of theft and accident damage.

If, by your adding this advice to your site, it can prevent even one family having to go through this experience it will be worth it.

I am sure many people, like us, are tempted upon staying on a very nice site to take advantage of onsite storage facilities. We did this last August. Having holidayed in Cornwall for the last 9 years for 4 weeks every August we had the opportunity to return 3 1/2 weeks later for another week, the cost of towing the van (extra £25 each way for fuel) against the 3 week storage of £6 per week persuaded us. Due to the amount we had taken with us (including our 12 man Kyham tent which had been used by our daughter and friends on the pitch next to us) we had to leave not only all our caravanning equipment, but also 20 years worth of camping equipment in the caravan, along with clothes shoes and personal pocessions. There were 6 of us and 2 of our dogs in the car.

Exactly 3 weeks after we put the van in storage we received a call to tell us that there had been a fire in the compound. Our van was one of 11 completely destroyed and another 20 badly damaged in the compound, as well as several more damaged in the camping fields around the compound, by flying debris and heat.

Whilst we had taken out insurance for the purchase price of the van and the awning we later found that although we were still paying the same premium as when we bought it for a value of £5500 we would only get the list price of £2000 for the caravan and only 10% of the cost of the awning due to 4 years depreciation. (We were unable to find a similiar caravan of same age and condition for anything less than £3500).

All of the security features we had to have fitted to the van to get the insurance - hitch lock, wheel lock and alarm, which had cost us £500 to fit, were not insured. Although we had added £500 of accessories to the insurance, we would have needed to specify what the accessories were.

Luckily we found that our household contents covered us for a lot of the contents excluding those purchased soley for use in the caravan. Our 6 Lafuma chairs alone cost us over £550, we calculated the contents loss to be around £6000 of which we received £4000 from insurers. The storage compound met all of the requirements of our insurance company includig security light, resident warden within the required distance, locked gate etc, but what they are not required to do and don't do is to inspect vans put into storage to make sure Leisure batteries and gas bottles are turned off and disconnected. It is believed that the fire may have been started by either someone leaving a gas appliance on when they left the caravan to be put into storage or by a faulty battery. The forensic scientist told me that fires are often started when faulty batteries discharge which can be 12 hours plus after last use. The fire started approx 17 hours after two other vans were put into storage and witnesses say that one of these was one of the first two alight.

If this was a fire in a carpark and my vehicle had been destroyed as a result of a fault on an adjacent vehicle I would be able to claim for uninsured losses against the owner of that vehicle as they have to have third party insurance. Many of the caravans in the storage compound fire were older and had no insurance.

Whilst the site have probably been able to claim for their own damage to lighting, fences etc, we have no redress against them for our own loss as owners are responsible for their own insurance. Of all the sites I contacted not one included insurance as part of the storage package not even as an optional extra.

I will probably never put our replacement van into storage no matter how good the site but as a matter of interest phoned several storage facilities, I was surprised that, although it is generally regarded as good practice to do so, very few check that gas bottle and battery are disconnected. One of the 35+ that I called require the gas bottle to be totally removed from the caravan and stored in a secure location away from the caravans.

The reason I mention the fire regulations is because although this site has massive pitches and states on pitching instructions the fire regulations in terms of distance from next unit they are not enforced unless someone complains. Several caravans were sited too close to the fence that ran around the compound. Some of these were seasonal pitches and were not occupied at the time of the fire but many were badly damaged by the heat and as it happened at 5am many occupants had to be woken when the fire was well under way - there was no alarm on site, it was other campers who had been woken by gas bottles exploding that banged on doors of caravans to wake the occupants.

We have come out of this a lot wiser about caravan insurance but with a loss of about £7000. We have managed to buy a replacement caravan but have used all of the insurance for this and have nothing left for tables, chairs, sleeping bags etc and all of the little extras we had bought over the last 5 years. We have not had any compensation for all the time it took, chasing up insurance companies, getting prices for the things we had lost, looking out old receipts and then the time and travel in looking for another caravan. We were very appreciative to many of the companies that we had bought online or mail order form as they were able to supply copy invoices as far back as 3 years.

We also feel that we have lost memories of holidays, probably the owrst moment was when we realised that the journal my 9 year old son had kept since the first use of the caravan, when he was 4, had been destroyed, nothing could replace the first entries of postcards with his early attempt at writing, through improvements to his pages of writings about his holidays.

Yes, a caravan is just a metal box on wheels but I am sure that as you are also keen caravanners you will agree that to a lot of us it becomes part of the family. You mention how sad you were to see your first Monza go. Several people who know about what happened have commented "At least no-one was hurt". I agree but they are only talking about a physical hurt not the emotional hurt.

Ok we have a super slightly newer caravan which is a bit bigger, we have used it once so far but havent yet got used to a new routine and different storage spaces. There are 5 of us, children aged 9 to 17 plus my daughters boyfriend. We also have 3 dogs, Max a collie cross, Ruby a sheltie and Penny our Rottweiler.

We haven't had enough cash left to buy a full awning and our using our scenic porch awning which was at home in the garage at the time of the fire. This does not give us a lot of room in the awning as previously we had a full awning with 2 annexes but we are scouring ebay for a second hand one.

Needless to say, as seasoned campers we will make do with what we have and will continue to enjoys our holidays, we feel we are due some good luck so have fingers crossed for a summer of fantastic weather - even in Cornwall!

We are so sorry to hear of your predicament - it must be heartbreaking to lose your caravan and contents, especially the personal items. We sincerely hope you have many more super holidays in your new caravan in the future.


footer for caravan insurance page