Compare deals from top UK insurers
Cover for touring, static, folding caravans and trailer tents
91% of users gave an 'excellent' or great rating
.svg){kind=logo}
.svg)
Cheaper caravan cover is only a few clicks away.
Whether you’re getting ready to head off on tour or your static caravan is settled at its site for the season, a caravan is a big investment and the right policy is there to protect it when something goes wrong. Comparing your cover rather than just renewing is one of the easiest ways to make sure you’re not paying more than you need to, and with Money Expert you can do it in minutes.
We’ll need some basic details such as the type, make, model and age of your caravan.
Next we'll need a few personal details so insurers can put together an accurate quote.
We’ll show you a tailored list of quotes based on what you’ve told us. Just pick the one that suits you.
Unlike car insurance, having insurance for your caravan isn’t something you’re legally required to have in the UK. The thing to be aware of is that your car insurance will usually only cover your caravan for third-party damage while you’re actually towing it, and once it’s parked up it won’t be covered at all.
That can leave you exposed, because caravans are expensive to repair or replace and they’re a popular target for thieves. Taking out a separate policy means that if your caravan is stolen, damaged or written off you won’t be left paying for it yourself, and as cover tends to be fairly inexpensive it’s usually worth it just for the peace of mind.
Still not sure? Our guide on whether you have to insure a caravan goes into more detail.
The right type of cover really depends on what kind of caravan you have and how you use it, so it’s worth knowing the main options before you start comparing.
This is cover for caravans you tow behind your vehicle. Your car insurance might cover third-party claims while you’re towing, but it won’t pay out for any damage to the caravan itself, which is why a dedicated touring policy is worth having.
If your caravan stays put on a holiday park or site, static cover is what you’ll want. It’s designed to protect the caravan and the things inside it against risks like fire, flooding, storm damage and theft.
These are lighter and easier to store, but that can also make them easier to steal. Specialist cover helps with the cost of repairing or replacing yours if it’s stolen, damaged or caught out by bad weather.
If you actually live in your caravan as your main home, you’ll need park home cover rather than a standard caravan policy. It’s worth being upfront about this, as not declaring that you live there full-time could leave your policy invalid.
Motorhomes and campervans are motor vehicles in their own right, so they need their own specialist insurance to be legal on the road. Caravan cover won’t do the job here.
There’s no single price for caravan cover. It depends on your caravan and how you use it, and every insurer weighs things up differently. Comparing quotes is the best way to avoid overpaying.
Factors that affect your premium include:
The value of your caravan and its contents
Whether it’s touring or static, and your estimated towing mileage
Where it’s kept and how it’s secured and anchored
Whether you take it abroad
Your claims history over the past five years
Caravan policies can be tailored to suit you, so you can add extras like European cover, breakdown cover and windscreen cover on top. When it comes to how your caravan is valued if you do need to claim though, it usually comes down to one of two approaches.
If your caravan is written off or stolen, new for old cover pays out for a brand-new equivalent model. It costs a bit more but gives you the most protection, and it’s usually only offered on newer caravans.
This covers you for what your caravan is actually worth at the time you claim, taking its age and condition into account. For older caravans it’s often the only option you’ll be offered.
Exactly what’s included varies between policies, so it's always worth checking the wording before you buy. Most caravan policies will cover:
Accidental damage - repairs or replacement parts if your caravan is damaged while parked or being towed.
Theft and burglary - cover if your caravan is stolen, or if items are taken from inside it.
Recovery - the cost of recovering your caravan if it can’t be moved after an accident.
Third-party liability - the cost of damage or injury you cause to other people or their property, plus any legal fees.
Write-offs - a payout if your caravan is damaged beyond repair, and sometimes the cost of alternative accommodation.
Exclusions depend on the insurer, so it's always worth checking the fine print before you buy. Common things a standard policy won’t cover include:
Poor security: If your caravan or its contents are stolen because basic security was missing, for example, leaving windows or doors unlocked or not fitting a wheel clamp, your insurer may turn the claim down. Storing it somewhere other than your registered location can also leave you uncovered.
Wear and tear: Everyday deterioration from age and use isn't something insurers treat as a claimable event. This tends to matter most with older or classic caravans, including damage that creeps in from damp.
Infestations: Damage caused by rodents, insects or other vermin getting into your caravan typically isn't covered under a standard policy.
Unapproved use: Using your caravan for something it wasn't designed for can give your insurer grounds to reject a claim. This includes living in it full-time without telling them, which is why a dedicated park home policy matters if it's your main residence.
Every caravan is different, so always read your policy carefully to know exactly what you’re covered for.
A lot of insurers have arrangements with the recognised caravan clubs and offer discounts to members, so joining one can end up paying for itself.
Agreeing to pay a bit more towards any claim can bring your premium down. Just be careful not to set it so high that you couldn’t actually afford it if you did need to claim.
Add-ons can be handy but they all cost extra, so it’s worth skipping the ones that don’t really apply to the way you use your caravan.
Extends your protection if you take your caravan abroad.
Help getting you and your caravan home or to a repairer if you break down.
Protects your awning and the belongings you keep inside the caravan.
Helps with legal costs if you need to claim against another party after an accident.
No. Caravan insurance isn’t required by law in the UK, but your car insurance only covers a caravan for third-party damage while towing, so a dedicated policy is the only way to protect the caravan itself.
Only partly. It may cover third-party claims while the caravan is hitched and being towed, but it won’t pay for damage to your caravan or its contents, and it offers nothing once the caravan is parked.
Touring cover is for caravans you tow and move around. Static cover is for caravans that stay on a site, and it focuses more on risks like fire, flood and theft at a fixed location.
Yes. Many policies include or let you add cover for the belongings kept inside your caravan, as well as awnings.
