Compare cheap caravan insurance

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Caravans are a home from home so it’s natural you’ll want to protect yours as best you can. For help and peace of mind, we’ve got all the information you need on caravan insurance including the different levels of cover and how to find the right policy for you.

Jump to section

  • What does caravan insurance cover?
  • How much is caravan insurance?
  • FAQs
  • Useful links

Jump to section

  • What does caravan insurance cover?
  • How much is caravan insurance?
  • FAQs
  • Useful links

Why compare caravan insurance?

Comparing caravan insurance quotes, lets you see at a glance what different insurers are offering – saving you time and more importantly, potentially saving you money.

You can search and compare caravan insurance quotes right here on musard.co.uk, start comparing today.

Caravan insurance advice and FAQs

Do I need caravan insurance?

Caravan insurance in the UK isn’t actually something you need by law, however, if you’re tempted to go without, ask yourself if you can afford not to have insurance.

Caravan insurance isn’t just a ‘nice to have’ – policies are there to protect you from financial loss and can compensate you for a range of events including theft.

It’s crucial to know that you can’t rely on your car insurance to pay for damage to your caravan – even if you have comprehensive cover. If your caravan is involved in an accident, car cover policies only offer third-party protection, in other words, your insurer will pay for damage done to other people’s property but won’t cover repair costs for your caravan. Similarly, car insurance won’t compensate you if your caravan is damaged or stolen while separated from your car. 

What are the different types of caravan insurance?

When you start your search for caravan insurance, one of the first points you’ll need to think about is the type of cover you want. Broadly speaking, caravan insurance in the UK can be split into two types:

  • New for old cover – these policies compensate you with a brand-new like for like caravan if yours is stolen or can’t be repaired; this can also apply to the contents of your caravan too. 
  • Market value cover – policies only pay out the current market value of your caravan which could make it trickier to find a replacement. Of course, one advantage of market value caravan insurance, is that it’s usually the cheaper option. 

When you look for caravan insurance quotes, you’ll be asked for various details including:

  • The make and model of your caravan, including the year it was made.
  • Where you usually keep it, including any additional security features it has.
  • How you use your caravan, for example whether you only use it occasionally and solely in the UK, whether you take it abroad or if you live in it for most of the year. 

If anything changes, it’s a good idea to let your insurer know – for instance if you modify your caravan in any way or if you lend it to friends and family. Not declaring information could invalidate your policy which means insurers can refuse to pay out. 

Do you need insurance to tow a caravan?

You don’t need specific insurance to tow a caravan, but what you can legally tow will depend on when your driving licence was issued. 

If your licence was issued before 1 January 1997, you’re allowed to drive a vehicle and trailer (caravan) with a combined maximum authorised mass (MAM) of up to 8.25 tonnes. 

If your driving licence was issued on or after 1 January 1997, you can legally drive a car (or van) with a MAM up to 3.5 tonnes. You can also tow a trailer with a MAM of up to 750kg. 

What does caravan insurance cover?

Caravan insurance varies across providers but will typically compensate you for:

  • Theft, both of the caravan and your possessions.
  • Damage or vandalism both internally and externally.
  • Injury or damage to other people and their property (third-party liability). 

In most cases, you’ll also be able to add on extra features to your caravan insurance policy, for instance, breakdown and European cover if you travel abroad. 

Be aware that most policies come with a set of exclusions – these are events not covered by your policy and typically include:

  • Damage because of negligence – for instance if you left a window or door unlocked and your belongings were stolen.
  • Damage caused by vermin or animals – this usually includes pets so think carefully before taking any along for the ride.
  • Damage through general wear and tear – for example you’re unlikely to be compensated if your cooker stops working simply because it’s old. 

Exclusions (as well as other conditions) are all set by the insurer so they can vary so it’s sensible to check what they are to avoid any misunderstanding if you need to claim. 

With all this in mind, don’t confuse cheap caravan insurance with value caravan insurance. Cheap caravan insurance may have a long list of limits, conditions, and exclusions. You might also find you need to add on several other ‘optional’ extras to give yourself the protection you need. On the other hand, policies that seem expensive might already include everything you want and could have fewer conditions and exclusions, giving you greater all-round value. 

How much is caravan insurance in the UK?

Insurance is all about weighing up risk – so the more at risk you are of making a claim, the more you’re likely to pay for your caravan insurance. To work this out, insurers consider a number of factors, for example:

  • The type of caravan you own – owning an expensive or desirable caravan can increase premiums as it could be a temptation to thieves. Similarly, a new caravan with all the latest gadgets is likely to cost more to repair which can also raise premiums.
  • Where you keep your caravan and how secure it is – the safer and more secure it is, the more attractive your premium is likely to be. For example, if you can keep it in a lock up, garage or CaSSOA (Caravan Storage Site Owners Association) site, then this can lower your caravan insurance quote.
  • Your driving record and claims history – a points free licence and minimal claims history can help you secure lower premiums. 
  • Your towing experience – the longer you’ve been towing a caravan (without making a claim), the less you’re likely to pay. 
  • If you belong to a caravan club – some insurers will offer discounts on premiums if you’re a member of a caravan club or association. If you decide to join a club for the sole reason of getting a reduction, just make sure that the membership doesn’t outweigh the discount. 

What types of caravans are covered?

Whether you need touring or static caravan insurance, you’ll be able to find cover for your needs. If you’re new to caravan ownership and aren’t sure what the difference is, then static caravans stay in one place – like in a caravan park or camp site. They’re usually hooked up to a water and electricity supply too. Touring caravans need towing and have to be attached to your car or van in order to get around. 

Motorhomes aren’t considered caravans as they have an engine and can be driven around like other vehicles. If you’ve got a motorhome and need cover, take a look at our motorhome insurance hub instead. 

So, whatever type of caravan you have, you can be confident about finding static and touring caravan insurance right here at mustard.co.uk – we work with a number of caravan insurance providers so that you can find exactly what you need at a price that fits your budget.

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