Caravan insurance can protect your caravan, holiday and belongings in case something goes wrong. Here is how it works and how to get the right policy for your caravan.
It pays out to cover the cost if something goes wrong with your caravan or belongings.
Most policies last for 12 months and you can choose to either pay annually or monthly.
Most types of caravan insurance are optional but could offer valuable financial protection.
If you are driving a motorhome you must have insurance by law.
There are three main types and each is tailored to a different type of caravan:
Static caravan insurance: This covers caravans sited at the same location permanently, including park homes. Most holiday parks require caravan owners to have cover in place.
Touring caravan insurance: This covers caravans that you tow behind your vehicle. Some car insurance policies may offer very basic cover if you are towing a caravan, but this is often limited to third party protection only. You can find out more here.
Motorised caravan insurance: This covers caravans that you drive, like motorhomes. You must have insurance for these types of caravan, although some car insurance policies may offer basic cover for your motorhome.
You can also get specialist cover for other types of caravan, including:
Trailer tent caravans
Folding camper insurance
Standard caravan insurance usually covers:
Third party liability
The level of cover for each of these areas varies on each policy, so always check the limits of each are enough to cover the value of your caravan.
How insurers assess the value of your caravan and belongings depends on the type of cover they offer.
Some cover the current market value of your caravan and items, while others pay for the cost of a new caravan of a similar model — this is called new for old cover.
If you choose a policy with new for old cover, you will get new replacements or be paid the equivalent value of those new items if your belongings are stolen or damaged.
Some common caravan insurance policy exclusions are:
Using your caravan as your main home
Using your caravan to run a business
Wear and tear
Theft if the caravan is left unlocked or the windows are open
There are normally restrictions on the contents insurance in particular. For example items like electronics, jewellery and cash are often not protected.
Always check the terms and conditions of your policy before you buy so you know exactly what cover you are paying for.
If you would like more comprehensive cover you can usually pay for optional extras to be added to your policy, these can include:
Cover for use by friends & family: This allows your friends and family to use your caravan without needing separate insurance.
Excess cover: This pays for your excess should you need to make a claim. While this makes your policy more expensive initially it could save you money if something does go wrong and you need to make a claim.
European cover: This protects your touring caravan or motorhome overseas but normally costs extra. Check your destination is covered and if there are any laws you need to follow. Find out more on The Camping and Caravanning Club website.
Breakdown cover: This will help repair your motorised caravan or motorhome if you have a breakdown on the road. You do not need breakdown cover if you have a static or touring caravan.
It is the amount of money you have to pay towards a claim you make on your insurance policy. Some caravan insurance policies offer excess cover at an extra cost which will pay your excess if you have to make a claim.
The cost of your policy depends on lots of different factors, including:
The value of your caravan
The protection you choose, for example if you add any optional extras
How secure your caravan is, for example the types of locks fitted on the doors
The policy excess (you may make your premiums cheaper by increasing the excess)
Where you keep your caravan
The best way to save money is to shop around and compare quotes for the cover you need from a wide range of insurers.
Some other ways you could make your caravan insurance cheaper include:
Keep your caravan on a CaSSOA registered site: Sites are graded gold, silver and bronze, with gold being the most secure and offering the biggest discount on your cover. You can find a CaSSOA site here .
Install extra security: Many insurers offer a discount if you fit a Sold Secure Standard alarm or better locks on your doors and windows. Installing a Thatcham graded tracking device may also make your cover cheaper.
Join a caravan club: Many insurers offer a discount to members of UK caravan clubs and associations. You can join the Caravan and Motorhome Club here.
Use a wheel or hitch lock: Many insurers require you to have either a hitch lock or wheel lock to cover you, but some will also offer a discount on some models.
Contact your insurer as soon as you realise you need to make a claim on your policy.
Most insurers have a 24 hour helpline number listed on your policy documents. You will also need:
Your policy number
Details of what you need to claim for e.g. what has been damaged or stolen
If something has been stolen, or you suspect damage was caused intentionally, contact the police straightaway to report it and get a crime reference number.
Steps you can take to make claiming easier include:
Taking plenty of photos: After choosing your policy, take pictures of your caravan and the belongings inside. This should make it easier to show your insurer the state of your caravan before any damage or theft if you need to make a claim.
Writing an inventory: List all the items in your caravan. This should make claiming quicker if your caravan is stolen, or the contents are badly damaged.