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Caravans are a home from home for some people, so it can feel natural to want to protect yours as best you can. For help and peace of mind, we’ve got information on some of your caravan insurance questions, including the different levels of cover and tips on how you could save on the cost of your insurance.

Jump to section

  • Do caravans have to be insured?
  • How much is caravan insurance?
  • FAQs
  • Useful links

Jump to section

  • Do caravans have to be insured?
  • How much is caravan insurance?
  • FAQs
  • Useful links

Why do I need caravan insurance?

Caravan insurance in the UK isn’t something you are required to have by law, however, with the AA reporting that around 4,000 caravans are stolen every year, it’s no surprise that many people do choose to have it. Policies are there to help protect you from financial loss and can indemnify you for a range of events including theft and accidental damage.

Unfortunately, you can’t usually rely on your car insurance to pay for damage to your caravan. Typically, car insurance policies don’t cover caravans so if you’re involved in an accident, you’re unlikely to be covered for any damage done to it. Similarly, car insurance won’t usually indemnify 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 quotes, one of the first points you might want to think about is the type of cover you want.

Broadly speaking, there are two types:

  • New for old cover– If your caravan is insured on a new for old basis and it’s damaged beyond repair or stolen, you will receive a like-for-like new equivalent.
  • Market value cover– policies only pay out the current market value of your caravan at the time that the loss occurred, which could make it trickier to find a replacement. Of course, one advantage of market value caravan insurance, is that it may be the cheaper option.

Something else to consider is the type of caravan you have; each type will need a different type of insurance. The main varieties of caravan are:

Touring or tourer caravans – caravans that are towed behind a vehicle

Static caravans – for caravans in a fixed location such as holiday parks.

What does caravan insurance cover?

Caravan insurance varies across providers, but many policies could cover 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 some cases, you might also be able to add on extra features to your caravan insurance policy for a fee, for instance:

  • Breakdown cover
  • European cover if you travel abroad
  • Legal expenses.

What isn’t covered by caravan insurance?

Be aware that some policies may come with a set of exclusions – these are events not covered by your policy and may 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 covered if your cooker stops working simply because it’s old.

Exclusions and conditions are set by the insurer so it’s worth checking what they are to avoid any misunderstanding if you need to claim.

With all this in mind, cheap caravan insurance doesn’t necessarily mean value caravan insurance, by considering all the conditions of the policy, optional extras and exclusions, you can make an informed decision about which is the right policy for you.

What’s the difference between a touring caravan and a static caravan?

Touring caravans travel with you and are towed by your car or van. Caravans aren’t the same as motorhomes which are driven rather than towed.

Static caravans on the other hand, are stationary with the majority designed as semi-permanent structures. Most static caravans (or mobile homes) are kept on purpose built sites including mobile home parks and holiday resorts. They are often usually hooked up to a water and electricity supply too.

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 higher your caravan insurance quote is likely to be. To work this out, insurers consider a number of factors, for example:

  • The type of caravan you own– owning an expensive or desirable caravan may increase premiums as it could be a temptation to thieves. Similarly, a new caravan with all the latest gadgets could cost more to repair which could also raise premiums.
  • Where you keep your caravan and how secure it is– the safer and more secure it is, the lower your premium might be. For example, keeping your touring caravan in a lock up, garage or CaSSOA (Caravan Storage Site Owners Association) site, could lower your caravan insurance quote.
  • Your driving record and claims history– a points free licence and minimal claims history may 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.

What can I do to cut the cost of my caravan insurance quote?

While price may be important, it may be worth considering all the other pros and cons of a policy, for example what is included and more importantly, what isn’t.

That said, there could be ways to help reduce the cost of caravan insurance, for instance:

  • Considering the type of caravan you choose – if you’re looking to upgrade your current caravan, it is worth bearing in mind that the make, model, size and cost of the caravan may affect premiums. Fundamentally, the more expensive it is, the more you can expect your quote to be.
  • Building up your no claims bonus – recent or frequent claims could push up premiums.
  • Improving securitykeeping your caravan secure with added GPS trackers or even an alarm system could help keep premiums low.
  • Only choosing the features you need – it’s easy to get carried away but adding lots of extras you might never use (for example, European cover) may mean you’ll pay more than you need.
  • Joining a club – some insurers may 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, it is worth checking that the membership doesn’t outweigh the discount.

What information do I need to insure my touring caravan?

When you look for caravan insurance quotes, you’ll be asked for various details, some of which may include:

  • 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 decide to lend it to friends and family. Not declaring information could invalidate your policy which means insurers can refuse to pay out.

Why compare caravan insurance?

When you compare caravan insurance, you can see who’s offering what and how much for.

Comparing caravan insurance could save you time, as well as money. It may also ensure you get a policy that enables you to enjoy your caravan without worrying about what might happen if something goes wrong.

To compare caravan insurance, you can start a quote right here at mustard.co.uk. Simply tell us about you, the type of caravan you have and the type of cover you want, and we’ll show you quotes from our panel of providers.

Caravan insurance advice and FAQs

Does touring caravan insurance cover personal possessions?

This will depend on your policy. Some insurers do provide limited cover for your belongings, which could include items of jewellery, portable electronics like a tablet or laptop, as well as bed linen, kitchen utensils and towels. However, typically, many of these items may be covered by your home insurance but if you’re not sure, check your policy.

Is caravan insurance the same for touring and static caravans?

No, policies for each type of caravan are tailored to reflect their different uses.

The focus of touring caravan insurance is to cover the cost of damage if your caravan is involved in an accident or is stolen. While some policies do cover the items you take along with you, the maximum amount you can claim for personal possessions is usually limited and may not include high value items such as jewellery.

Cover for static caravans is similar to house insurance so as well as indemnifying you for damage and theft, policies will usually insure your contents too.

Will touring caravan insurance cover folding caravans?

Depending on the insurer you may be able to get a quote for a folding caravan, but not all providers may offer this cover.

As a general rule, fold up caravans cost less to insure as they can be stowed away safely in a garage, are easier to tow and more manoeuvrable on the road.

Do caravans have to be insured?

No, caravans don’t need to be insured. However, if you don’t have insurance and your caravan is damaged in an accident or through vandalism, it’ll be up to you to pay for repairs.

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 tow a trailer (caravan) that weighs up to 3.5 tonnes.

What types of caravans are covered?

Whether you’ve got a touring or static caravan, you can be confident about finding the cover you need through mustard.co.uk. We work with a number of caravan insurance providers to help you find what you need at a price that fits your budget.

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