Caravan insurance
Compare quotes and get cover for your tourer or your static caravan.[1]
On average, our customers paid £357 for their motorbike policy[2]
2]Based on median price paid for motorbike insurance sales made through Go.Compare between October and December 2024 for annual payment type only. Cancellations included.
Do I need caravan insurance?
You don’t legally need caravan insurance, but if you have a tourer on a seasonal pitch or a static caravan on a holiday park, the site owner will almost certainly require you to have at least public liability cover.
And if you’re a tourer, caravans usually only have third party cover under car insurance.
That means you’re only covered for damage that your caravan causes to others – if your caravan is damaged in a collision and it’s not found to be someone else’s fault, you’ll have to pay to replace or repair it yourself.
Caravan insurance, on the other hand, covers you for these scenarios, plus theft and damage, whether your caravan’s pitched or attached to the car.
Why compare van insurance with us?
What affects the cost of caravan insurance?
The best way to find out how much you’ll pay for caravan insurance is to compare quotes.
These are some of the factors that can affect the cost:
- Your caravan – The more your caravan’s worth, the higher the cost to insure it.
- Where you store or site it – You’re likely to pay less if it’s kept in a dedicated storage facility with fences, gates and CCTV. Static caravan insurance might also be cheaper in sites that have good security measures or are in low crime areas.
- Your claims history – If you’ve got a few years’ caravan insurance with no claims you‘re likely to get cheaper quotes. Touring caravan owners might get cheaper cover if they have a no-claims history on their car, while static owners could get a discount for their no-claims history on their home insurance.
- Whether you rent it out – There are extra risks that come with renting your van out to holidaymakers, so your insurance will be cheaper if it’s only used by you and your family.
- Your policy excess – Excess is an amount you choose to pay towards any claim made. Choosing a higher optional excess usually makes your policy cheaper.
- Security – Things like alarms and hitch locks can cut the cost of premiums.
Does caravan insurance cover motorhomes?
Caravan insurance doesn’t cover motorhomes or campervans.
Although both touring caravans and motorhomes have living quarters on board, the main difference lies in how they’re used: caravans are towed by a separate vehicle, while motorhomes are self-contained vehicles that can be driven.
Because motorhomes have a cab and engine attached, they’re classed as vehicles, so you need specialist motorhome insurance for them.
This type of insurance is tailored to cover the risks associated with driving a motorhome on the road.
How could I get cheaper caravan insurance?
1
Increasing security
Wheel clamps, window locks and alarms are handy
2
Find secure storage
Increase the external security on your static, and find somewhere safe to store a tourer
3
Club memberships
Some insurers offer discounts for members of the Caravan and Motorhome Club or Camping and Caravanning Club
4
Avoid unnecessary extras
Don’t skimp on cover, but don’t pay for optional extras you don’t need
5
Take a towing course
Some insurers might offer a discount if you’ve completed a towing course, like those run by the Caravan and Motorhome Club and the Caravan and Camping Club
What optional extras can I get with caravan insurance?
Optional extras let you add additional cover to your policy. These are some of the options you could choose:
New for old cover
If your caravan is a total loss, the insurer will pay out the brand new value instead of the market value.
Look out for clauses limiting the age, like it only being for caravans up to five years old.
New for old cover is sometimes available for contents, as well as for the van itself
European cover
This lets you explore abroad with your touring caravan by giving you equivalent cover on the continent as you’d have at home.
Breakdown cover
Another one just for tourers, caravan breakdown cover goes beyond standard car breakdown cover by offering assistance if either your car or van have a mechanical issue.
It’ll also include recovery of both vehicles, together or separately as needed to make sure you can carry on with your holiday.
Legal assistance
Access to a legal helpline and cover for legal expenses to help you recover losses after an incident involving your caravan.
Awning cover
Although awnings are often covered as standard with caravan insurance, sometimes you need to pay for it as an optional extra.
Look out for exclusions, such as damage while the awning was left up when you were away from your caravan for more than a few days.
Equipment
This can include anything from motor movers to satellite dishes.
Although some caravan equipment is typically covered as standard, if you need more cover you could add it for an additional cost.
Loss of keys
This is typically an option on static caravan insurance.
It covers the loss or theft of your caravan keys and the expense of replacing them and the locks.
Sports and leisure equipment
Another option that can sometimes be added to static caravan policies.
If you keep expensive sports equipment in your caravan for holiday use, you might need to pay extra to cover it.
Cover for renting out
If you’re a static caravan owner who makes money from holiday lets, you’ll need this to protect you from damage or theft by guests.
Types of caravan insurance
New for old cover
If your caravan’s a total loss – damaged beyond repair or stolen – new for old cover will make sure you get a new unit, equivalent to your old one.
New for old cover can also apply to your personal possessions and caravan equipment, so they’d be replaced with brand new as well.
Market value cover
Market value cover will only compensate you for the current value of your caravan at the time of loss.
If it’s 20 years old, the insurer will pay out the going rate for a similar caravan of that model, age and condition.
This That might make it a bit harder to find and afford a suitable replacement, but it can be a much more cost-effective level of cover, especially for older caravans.
Our expert says...
Caravans are a significant investment, and with over 14,250 caravan registrations in 2023 alone[2], it’s clear they’re a popular choice for holidaymakers.
Finding the right cover isn’t just about affordability – it’s about getting the protection you need for peace of mind, whether you’re pitched up or on the road.
Comparing policies with us from multiple partners could help you find the right cover at the right price.
Tom Banks – Motor insurance expert
What details do I need to get a quote?
Finding satisfying cover for your caravan is easy. You’ll just need to share a few details about you and your caravan.
1. Tell us about you
Things like your name, age, occupation and address
2. Tell us about your caravan
The make, model, CRiS number and usage. For statics, you’ll need the number of bedrooms and size too
3. Site and security
Is your caravan alarmed? Where’s it stored or sited? How is it secured? For static caravans you’ll be asked about storm and flood risks, and the size of the site
4. Cover details
The cover you want, how you’ll use your caravan and details of any previous claims
Frequently asked questions
What is the difference between a touring and a static caravan?
Touring caravans are towed by a vehicle, whereas static caravans are permanent structures, usually kept on a caravan site where you have amenities like shops and cafes.
Although it’s quite common to site touring caravans for many months on seasonal pitches, you’ll still need touring caravan insurance for this.
When you get quotes you’ll be asked about how you use your caravan and where you keep it, including whether you use a seasonal pitch and winter storage.
Can I get insurance if I live in my caravan?
Yes – you’ll be asked when you get a quote whether your caravan is your permanent residence.
This is a more specialist type of cover though, so you might find you have a more limited range of providers to choose from.
Can I take my caravan outside the UK?
Most specialist policies cover you outside the UK but check your policy details. Some policies have limited number of days that you can take your caravan abroad.
Can my family or friends use my caravan?
Many policies include cover for this so it’s easy to lend your caravan to friends or family. Double check your policy details before handing over the keys.
Does home contents insurance cover my possessions in my caravan?
Sometimes. You need to check if your home insurance includes cover for personal possessions away from home, which is usually an optional extra on home contents policies.
If it does, you’ll have some cover, but look out for exclusions like items you keep permanently in the caravan, rather than those you take with you from home.
our awards and accreditations
We’re chuffed to say we’ve received some snazzy recognition since we started in 2006. Here’s a bit more about Go.Compare’s awards and accreditations:
We’re authorised and regulated by the FCA, which oversees financial services firms and markets in the UK. That means you can compare quotes and get cover with confidence.
We hear you – ‘But you’re not an insurer?’ you say. And you’re right. But our shared goal of doing right by customers is why we’re the only comparison site to be invited to join them.
We work with the IFB to fight against fraud in the insurance industry. We use their specialist fraud intelligence and data to improve our systems and raise awareness of scams.
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Page last reviewed: 10th January 2025
Page reviewed by Tom Banks
[1]Go.Compare introduces customers to i-Wonder Aggregator Services Limited which is authorised and regulated by the Financial Conduct Authority. Go.Compares relationship with i-Wonder Aggregator Services Limited is that of a business partnership, no ownership or control rights exists between us.
[2]According to National Caravan Council (NCC). Date retrieved 05 January 2025.