Protecting your caravan from unforeseen circumstances allows you to continue your travels stress-free. With appropriate insurance, you can safeguard your caravan, belongings, and yourself. A wide range of insurance options can be tailored to fit your specific requirements. Below is some information on each of the main comparable cover features:
Fire, Lightning, Earth, Explosion, Storm, Flood, theft and attempted theft of your caravan or contents and Accidental Damage (Saver product excludes accidental damage)
Protection If someone intentionally damages your property or your caravan is vandalised by someone else.
£2 Million and £5 million third party liability cover is available in case you accidentally cause damage to someone else's property or injure someone while using your tourer.
New For Old Cover
Replace your lost or damaged caravan with a brand new one instead of a used one (Market value cover). New for old cover is available for up to 10 years of age.
Market Value Cover
If your caravan is lost, stolen or damaged beyond repair, market value cover means you receive the current market value of your caravan to replace your caravan with the same or similar make and model.
If you plan on taking your caravan to Europe, this policy feature provides cover for accidents, damages and repatriation for up to 270 days per policy year.
Loss of use
If your caravan unusable during your holiday, cover is available for either hotel accommodation (excluding food and drink) or replacement caravan hire costs up to £75 per day for a maximum of 14 days.
Cover at home before/after holiday
Up to 24-hour window both before and after your holiday, protecting your caravan while it's at your home during these times. "Home" refers to your property, and doesn't include communal parking areas, public roads, or highways.
Meet our caravan expert
"Caravan insurance is a crucial aspect of owning a caravan, protecting against theft, fire, natural disasters and even, who knows, a rogue asteroid strike (I'm not joking, you never know when the skies might rain space rocks).
Having the right cover is important for ensuring the safety and security of your caravan and your travels. So, my advice to all you caravan enthusiasts out there is to invest in a good caravan insurance policy and hit the road with peace of mind. After all, it's better to be insured than to be left stranded on the side of the road with a broken down caravan and a "UFO" hovering above!" - Jon Hatton, UK Caravan Insurance Lead
Do I need caravan insurance?
While caravan insurance is not a legal requirement, it can save you from expensive fixes or replacements. It covers costs from accidents, theft, and weather damage like storms or floods. It also covers public liability if someone gets hurt or their belongings get damaged while you're at a caravan site. Your car insurance policy doesn't cover caravans. If there's a road accident and your caravan gets damaged, you'll have to pay for its fix or replacement. If the other driver caused the accident, their insurance might cover the damage, but it's not a sure thing. Caravan insurance takes care of these issues and more, whether your caravan is attached or detached from your car.
Caravan Insurance Costs
The cost of caravan insurance in the UK varies depending on multiple factors. These factors include; the make, value, storage location, type of cover (new for old, market value) and the age and experience of the policyholder. The average cost to insure a touring caravan is £150 per year, however it can range from £80 to £500 or more per year.
Keep in mind that the cheapest caravan insurance quotes may not necessarily be the best quotes in terms of the level of cover provided. It's a good idea to consider the excess, reviews, and the range of policy features as well as the price when comparing quotes.
Based on InsureMy touring quotes data, collected between January 2022 and January 2023, accurate as of February 2023
Caravan Insurance Price Estimator
Try out our user friendly caravan insurance price estimator! Get a quick and easy price estimate for your caravan in just a few simple steps. Follow the instructions below and get your estimate:
Caravan Value: Enter the current value of your caravan (between £0 and £60,000) in the text box on the right to start the process.
Age: Provide your age in the input field to help us work out your estimate.
Caravan Make: Choose your caravan's make/manufacturer from the drop-down menu. If you can't find your exact make, simply select "My caravan is not in the list."
Storage: Tell us where you keep your caravan when it's not in use. If you can't find a match please select the most appropriate option from the list.
The price is an estimate based on quote data collected by InsureMy between Jan 2022 and Mar 2023 for an accurate price please get a caravan insurance quote.
Here are a few tips to help you get the cheapest caravan insurance quote online.
Install security measures
Installing security measures such as trackers can help reduce the risk of theft, potentially reducing the price you pay by up to 20%.
Pay your premiums annually
Consider paying your insurance annually instead of monthly. By paying for the entire year upfront, you can avoid paying interest and potentially save money.
Store in a secure location
By storing your caravan in a secure location such as a CaSSOA site your insurance premium may be reduced by up to 20%.
Choose the right level of cover
Compare caravan insurance to make sure you have the right level of cover for your needs. Don't pay for policy features or optional extras that you don't need, but also make sure you have enough cover in the event of a loss.
Join a caravanning club
InsureMy offer discounts to members of caravanning clubs such as The Caravan Club (Caravan and Motorhome Club) and The Camping and Caravanning Club. This could be a way to save up to 7.5% on your insurance premium.
Increase your excess
Consider selecting a policy with a higher excess amount. Choosing a higher excess means that you will have to pay more in the event of a claim but it can also reduce your insurance premium.
Types of caravans we insure
Most of our insurance providers can cover a wide range of caravan types, including:
A touring caravan is designed for people who like to travel and camp. It is typically pulled behind a car, van or SUV and provides a convenient and comfortable way to holiday on the road.
Static caravans are permanent structures designed for long-term use as a holiday home. Unlike a tourer caravan, which is meant to be hitched to a vehicle and driven to different locations.
A motorhome is a type of vehicle that is equipped with all the necessary living accommodations, such as sleeping quarters, kitchen, and bathroom facilities, allowing for extended periods of travel and camping.
A campervan is a vehicle that has been converted into a self-contained living space on wheels.
Folding caravans (fold-up, pop-up caravans) are small, compact vehicles that can be easily folded down for storage and transportation.
A trailer tent is a type of camping equipment that is designed to be towed behind a vehicle, such as a car or SUV, to provide accommodation while camping. The tent is mounted on a trailer chassis and folds out to provide living space when the camping trip begins.
Why Insure your caravan with us
Why choose InsureMy?
One simple form to fill out
Multiple quotes in minutes
Choice of multiple products
Lowest price guaranteed
At InsureMy, we're committed to providing exceptional cover and customer service for your caravan adventures. We're proud to insurer 96,000 caravan insurance customers, including 71,000 touring and 25,000 static caravan owners. With over 25 years of experience, we are experts in the caravan insurance field.
Our comparative panel features more than 20 top-notch caravan insurance products to suit your specific needs. We constantly innovate and improve our offerings using technology and data, ensuring both new and existing customers have the best experience possible. Our team of over 100 employees includes well-trained insurance advisers specialising in touring and static caravan insurance. We take pride in offering professional yet personalised service to our policyholders. This dedication to customer satisfaction is why many of our policyholders are happy to recommend us to their friends and family. Choose InsureMy for reliable, comprehensive, and customer-focused insurance.
Frequently asked questions
Find below some of the top FAQ's when it comes to caravan insurance.
Where can I find my CRiS of VIN chassis number?
If you have a caravan that was manufactured prior to 1992, you can locate the Vehicle Identification Number (VIN) or chassis number on a plate on the 'A' frame or near the door. For caravans that were manufactured after 1992, you can find both the VIN and the 17-digit identification number (CRiS number) etched on the windows.
How do I protect my caravan against a storm?
Protecting your caravan during a storm involves several steps including:
Pulling over to a safe location
Avoiding high ground
Seeking a sheltered pitch
Avoiding using the awning
Balancing the weight of the caravan
Securing your caravan in strong winds
Storing your caravan in a secure location during winter.
Is it worth insuring my caravan in the winter?
Yes, it’s important to keep caravan insurance cover in place all year round, including winter months. This is because the risks of vandalism, fire, flood, storms, winter weather, frozen or burst pipes, damage and theft still exist even when the caravan is in storage, however general wear and tear is not covered by your policy.
Do you need to regularly service your caravan for the insurance?
Regular servicing is not an insurance requirement but for a safe caravan in a good state of repair, regular servicing is recommended, especially if you frequently tow your caravan. Full servicing is typically performed by a dealership or mobile engineer but you should be able to handle much of the maintenance yourself. Heating, gas, and electrical's must be left to the professionals.
Does my insurance cover temporarily taking my caravan home from a storage compound to prepare for a holiday?
If you're getting ready for a caravan trip, some insurance policies offer the convenience of temporarily storing your caravan on your driveway. This is usually for up to 24 hours before you leave and up to 24 hours when your return.
Is my caravan covered by my home insurance?
Most home insurance doesn’t cover caravans as standard, even if you keep your caravan at home when you’re not using it. Your policy may cover the contents of your caravan and your personal possessions but won’t cover more serious issues like fire, flooding or theft.
If you have a static caravan, many caravan parks will insist you have public liability insurance, which isn’t included in home contents cover.
Do you offer breakdown cover?
Yes, we offer caravan breakdown cover. Our optional breakdown cover provides comprehensive protection for your vehicle and covers any driver. The key benefits of our product include roadside assistance, recovery to a local garage, home, or original destination and cover for punctures when a serviceable spare can be fitted. We also cover caravans and trailers up to 23 ft in length when attached to the vehicle.
Please note that our policy provides breakdown cover for the insured vehicle and not for breakdowns or accidents to the caravan or trailer itself. However, if the towing vehicle breaks down, we will recover the caravan (up to 23ft) at no extra cost.
Are you on any caravan insurance comparison websites?
Yes, apart from our own comparison engine, we are also on Compare The Market, Money Supermarket and Go Compare for touring, static and motorhome. This allows our customers to compare InsureMy products with those of our competitors.
Do you insure Hobby caravans?
Securing insurance for Hobby caravans can be challenging due to factors such as; High value, theft risk, cost of spare parts and repairs and potential import and legal issues. However, we've got you covered! We proudly offer tailored hobby caravan insurance policies ensuring you effortlessly get the right cover at the right price.
Do you need special insurance to tow a caravan?
When you tow a caravan, your standard car insurance has got your vehicle covered. It means if an accident happens while you’re towing, any damage to your car or another vehicle (due to your car) is typically covered. However, if your caravan gets damaged, your car insurance usually won’t cover those costs.
A caravan insurance policy will help cover costs if something happens to your caravan, like damages from an accident, fire, or theft. It gives you peace of mind knowing that not only is your car protected, but your caravan is too. So, while it's not legally required, it’s a wise choice to shield yourself from any potential financial headaches related to caravan damages or losses.
It’s also a good idea to have a chat with your car insurance provider before you start towing. Let them know about your plans and confirm what is and isn’t covered while you’re towing. Plus, if you've added a tow bar to your car, make sure to share this update with them as it could be considered a modification.
How do I make a claim?
To make a claim, first identify the company that underwrote your policy (this can be found in your policy wording). Then, follow the corresponding steps below:
Amtrust Europe: Call the claims department on 01159 349 818 and provide the necessary details about your claim. A representative will guide you through the process.
Pardus: Call the claims team on 01732 520 263 or email firstname.lastname@example.org. Include your policy number, contact information, and details about the claim in the email.
Ergo: Call the claims line on 0800 030 2014 or email email@example.com. Provide your policy number, contact information, and relevant claim details.
Frank Pickles: Call the claims team at 01912 588 174 or email firstname.lastname@example.org. Include your policy number, contact information, and details about the claim in the email.
Geo Specialty: Call the claims department on 03301 230 821 or send an email to email@example.com. Provide your policy number, contact information, and relevant claim details in the email.
Markerstudy: Call the claims number at 03300 240 476 and follow the prompts to provide the necessary information about your claim.
Remember to have your policy documents, any relevant photos or documentation, and a description of the incident handy when you contact the respective company to make the process as smooth as possible.
Caravan Security Report 2023
In an era where caravan theft is on the rise, staying informed is your first line of defence. The 2023 Caravan Security Report offers a comprehensive look at the current state of caravan security, highlighting crucial trends and providing valuable tips for protection.
Rising Theft Rates: Discover the startling increase in caravan thefts and the regions most affected.
Storage Risks: Learn why where you store your caravan matters for theft prevention.
Security Device Effectiveness: Find out which security measures are most effective in deterring theft.
Insurance Insights: Gain essential knowledge on ensuring proper insurance cover.
Recovery Statistics: Understand the low recovery rates of stolen caravans and implications for owners.
Practical Security Tips: Get actionable advice to enhance your caravan's security.
Whether you're a seasoned caravan owner or new to the scene, this report is a useful read to understand the risks and learn how to effectively safeguard your touring caravan.