Leisure insurance
Caravan Insurance
cover for a touring or static caravan, usually with contents and an awning, on the road, in storage and on site
Cover for the caravan itself, touring or static, against damage and theft, usually with contents and an awning. The security, storage and winter conditions on the schedule often decide a claim.
- Touring and static caravans
- Contents and awnings
- UK and European touring
- FCA authorised and regulated
Quick answerCaravan insurance covers a touring or static caravan against damage and theft, usually with its contents, and often with an awning and public liability. Your car policy covers liability while towing, but not damage to the caravan itself. Security and storage conditions, and winter draining for statics, often decide a claim. Tell MyMoneyComparison.com about your caravan once, and UK insurers can come back with quotes.
This page is about caravans you tow or keep on a park. A campervan or motorhome is a vehicle with its own motor policy, covered on our campervan insurance page, and the motorhome and caravan guide sets the two side by side.
At a glance
Caravan Cover, in Brief
Six things that decide how caravan insurance behaves, before any of the detail.
- The caravan itself
- Damage and theft, which your car policy does not cover
- Contents and awning
- Often included, each with its own limit
- Security when unattended
- Hitch locks, wheel clamps or trackers, as the schedule sets
- Where it is stored
- Home, a storage site or a holiday park
- Winter for statics
- Draining down the water system is often a condition
- Touring abroad
- European cover is included on some policies and optional on others
The basics
What Is Caravan Insurance?
Insurance for the caravan itself, whether you tow it or keep it on a park. It covers the caravan against damage and theft, usually with its contents, and can add liability and extras.
The caravan
Accidental damage, fire, storm, flood and theft, up to the value on the schedule.
Contents
Belongings kept in the caravan, with limits on valuables.
Awnings and equipment
An awning, gas bottles and fitted extras, where included.
Public liability
Injury or damage caused to others, when the caravan is detached or on site.
European touring
Cover while touring abroad, included on some policies.
Static extras
For statics, cover such as loss of pitch fees or holiday letting, where offered.
How it works
How Does Caravan Insurance Work?
You describe the caravan, where it is kept and how it is protected, choose the cover, and the insurer sets terms. Changes during the year are reported so the cover keeps up.
You describe the caravan
The make, model, year, value, and its chassis number.
You say where it is kept
At home, at a storage site or on a holiday park, and the security there.
The insurer sets terms
The schedule lists the cover, the limits, the excess and any security or winter conditions.
Changes are reported during the year
A move of storage, a new pitch, letting a static out or new security can change the cover.
What it covers
What Does Caravan Insurance Cover?
The caravan against damage and theft, usually with contents, an awning and public liability, and extras such as new for old, European touring and loss of use.
| Section | Where it sits | What to know |
|---|---|---|
| The caravan | Core | Damage and theft, up to the value on the schedule |
| Contents | Often included | Limits apply to valuables and single items |
| Awning | Often included | Sometimes with a separate limit |
| New for old | On some policies | Usually only while the caravan is young enough |
| Public liability | Often included | The limit is set on your schedule |
| European touring | Included or optional | Check the number of days covered |
| Loss of use and pitch fees | Sometimes offered | Help after a claim that stops you using it |
| Legal expenses | Optional | Shown on the schedule where included |
Check the valuation basis. Some policies settle at market value and others offer new for old while the caravan is young enough. The schedule says which applies.
Exclusions
What Caravan Insurance Does Not Include
Gradual damage, breakdown, theft when the required security was not in use, and frost damage when winter conditions were not followed.
Wear, tear and damp
Gradual deterioration and damp are maintenance, not insured events.
Mechanical and electrical breakdown
Appliances and systems failing through age or use.
Theft without the required security
If the schedule names a hitch lock or clamp and it was not fitted.
Frost damage
On statics, if the water system was not drained as the policy requires.
Undeclared letting
Letting a static to holidaymakers without telling the insurer.
Valuables over the limit
Cash, jewellery and electronics above the contents limits.
Types
Which Caravans Can Be Covered?
Touring caravans, static caravans and folding campers, each insured a little differently because of where they are kept and how they are used.
Touring caravans
Towed, stored between trips, and covered on the road and on site.
Static caravans
Sited on a holiday park, where flood, frost and pitch rules matter.
Folding campers and trailer tents
Lighter units, often stored at home.
Twin-axle and luxury tourers
Higher values, where security is examined closely.
Statics let to holidaymakers
Letting needs declaring and can change the cover.
Older caravans
Accepted by some insurers, often at market value only.
Living in a caravan all year? A caravan used as a main home is a different risk from a leisure caravan. A leisure policy may not cover it, and a specialist residential policy may be needed.
Who it is for
Who Needs Caravan Insurance
Anyone who owns a caravan and would struggle to replace it, or whose storage site or holiday park asks for cover.
Touring caravan owners
Towing for holidays in the UK or abroad.
Static caravan owners
With a caravan on a holiday park.
Owners using storage sites
Where the site may ask for proof of cover.
Families and couples
Keeping belongings in the caravan through the season.
Owners paying on finance
Where the lender may require cover.
Long-season tourers
Spending weeks away at a time.
Caravan or car policy
Caravan Insurance vs Your Car Policy When Towing
Your car insurance covers your liability to others while you tow. It does not pay to repair or replace the caravan itself, which is what caravan insurance is for.
| Caravan policy | Car policy | |
|---|---|---|
| Liability while towing | Not the main purpose | Covered by the car policy |
| Damage to the caravan | Covered | Not covered |
| Theft of the caravan | Covered | Not covered |
| Contents and awning | Often included | Not covered |
Check how your car policy treats towing. Its liability cover extends to a caravan you tow, but terms for damage to the car while towing can differ.
Cost
What Caravan Insurance Is Priced On
The caravan’s value and type, where it is kept, the security, how it is used and the claims history. We do not print average premiums.
Why the value leads
The cost of repairing or replacing the caravan drives the price, and a newer or larger caravan costs more to put right.
Why storage matters too
Where the caravan spends the year, and how it is protected there, feeds the theft side of the rate.
What the quote is rated on
The main factors
- Value and typeTouring, static or foldingBase
- StorageHome, storage site or parkRate
- SecurityLocks, clamps, alarm, trackerRate
- UseTouring abroad or lettingRate
- HistoryPast claimsAdjust
Flood exposure
Statics near rivers or the coast can carry flood terms.
The excess
A higher voluntary excess lowers the premium but raises what you pay on a claim.
Days abroad
Longer European touring can add to the price.
Security and winter
The Conditions That Decide a Caravan Claim
Caravan claims often turn on whether the security, storage and winter conditions on the schedule were followed. Four come up again and again.
Fit the security whenever it is unattended
Where the schedule names a hitch lock, wheel clamp or tracker, some policies require it to be in use whenever the caravan is left, even briefly.
Keep it where you said it would be
Moving the caravan to a different storage site or address without telling the insurer can affect a claim.
Drain down a static for winter
Some static policies ask for the water system to be drained when the caravan is not in use in the cold months. Frost damage can be refused if it was not.
Declare letting or long stays
Letting a static to holidaymakers, or living in a caravan for long periods, changes the risk. Tell the insurer first.
Quote checklist
What You Will Be Asked for a Caravan Insurance Quote
Six things shape the quote: the caravan, its value, where it is kept, the security, how it is used, and the claims history.
The caravan
Make, model, year and chassis number.
Its value
What it would cost to replace, and the contents.
Where it is kept
Home, storage site or holiday park.
Security
Hitch lock, wheel clamp, alarm or tracker.
How it is used
Touring in the UK or abroad, or letting.
Claims history
Recent claims and any past refusals of cover.
Comparing
Checking Caravan Insurance Quotes Side by Side
Four areas decide whether a policy suits the caravan: the valuation, security and storage, winter and static terms, and contents and extras. None of them is the price.
The caravan
- Market value or new for old
- The age limit for new for old
- Accidental damage cover
Security and storage
- The security conditions when unattended
- Storage site requirements
- Theft cover away from storage
Statics and winter
- Drain-down conditions
- Flood and storm terms
- Cover for letting or loss of pitch fees
Contents and extras
- The contents and awning limits
- European touring days
- Public liability and legal expenses
Read the security and winter conditions before you buy. They can matter more to a claim than the value. Unfamiliar terms are explained in our plain English jargon guide.
Cutting costs
How to Reduce the Cost of Caravan Insurance
The levers are good security, secure storage, an accurate value, and the excess. We publish no savings figures.
Improve the security
A hitch lock, wheel clamp, alarm or tracker can help the terms.
Use secure storage
A site with good security can lower the theft risk.
Insure the right value
Too high wastes premium; too low invites a reduced claim.
Match the touring cover to your trips
Only pay for the European days you need.
Keep records
Photos, receipts and service records help at renewal and after a loss.
Choose the excess deliberately
A higher excess is a lever, worth using only at a level you could absorb.
Glossary
Caravan Insurance Terms Explained
The words that come up most on a caravan schedule.
- Touring caravan
- A caravan towed behind a car.
- Static caravan
- A caravan sited on a park rather than towed.
- New for old
- Replacement with a new equivalent, usually only for younger caravans.
- Market value
- What the caravan was worth just before the loss.
- Hitch lock
- A lock fitted over the tow hitch to stop it being coupled.
- Wheel clamp
- A lock fitted to a wheel to stop the caravan being moved.
- Drain down
- Emptying the water system to prevent frost damage.
- Pitch fees
- What a park charges for a static caravan’s pitch.
- Excess
- The part of each claim you pay yourself.
- Public liability
- Cover for injury or damage caused to others.
Why MyMoneyComparison.com
Why Compare Caravan Insurance with MyMoneyComparison.com?
MyMoneyComparison.com is an FCA-authorised UK comparison service that introduces caravan owners to UK insurance providers. We do not sell insurance and we do not give advice. Using us is free.
One form, your caravan
Describe the caravan, its storage and its use once.
Advice given
We are an introducer, not a broker. We do not sell policies and we do not recommend one insurer or product over another. Read our editorial policy.
Authorised and regulated
MyMoneyComparison.com Ltd appears on the FCA register under FRN 916241.
Incorporated
A UK company since 2013. FCA authorisation is separate and later; the register carries its date.
FAQs
Caravan Insurance FAQs
Answers on towing, security, winter, letting and valuations.
Do I need caravan insurance?
A touring or static caravan does not need its own insurance in the way a car does, but it is often worth having. Your car policy does not pay for damage to the caravan, and storage sites, holiday parks and lenders often ask for cover.
Does my car insurance cover my caravan when towing?
Your car policy generally covers your liability to others while you tow, but not damage to or theft of the caravan itself. It is worth checking how your car policy treats towing before you set off.
What is the difference between touring and static caravan insurance?
Touring cover follows a caravan you tow, including on the road, on site and in storage. Static cover is for a caravan sited on a park, with terms around flood, frost, pitch fees and letting.
What security do insurers ask for?
It depends on the caravan and its value. Some insurers ask for a hitch lock, a wheel clamp, an alarm or a tracker, and require them to be fitted whenever the caravan is unattended. The schedule sets out the conditions.
Is my caravan covered if it is stolen from my drive?
It can be, if the policy covers storage at your home and the required security was in use. Some insurers ask for a particular storage type, so tell them where the caravan is kept.
What does drain down mean?
Emptying the water system of a static caravan to stop pipes and fittings freezing. Some static policies make it a condition when the caravan is not in use in the cold months, and frost damage can be refused if it was not done.
Does caravan insurance cover my awning?
Often, yes, either as part of the caravan or contents cover or under its own limit. Some policies limit cover for awnings left up in bad weather, so check the terms.
What is new for old cover?
Replacement with a new equivalent caravan if yours is written off, rather than its market value. Where it is offered, it usually applies only while the caravan is young enough, with the age limit on the schedule.
Can I take my caravan abroad?
Some policies include European touring for a set number of days and others offer it as an option. Check the days allowed and the countries covered before a long trip.
Can I let my static caravan to holidaymakers?
Only if the insurer knows and the policy allows it. Letting changes the risk, and undeclared letting can affect a claim. Some insurers offer cover for letting, sometimes including loss of letting income.
Can I live in my caravan all year?
A caravan used as a main home is a different risk from a leisure caravan. Tell the insurer, as a leisure policy may not cover full-time living and a specialist residential policy may be needed.
Does caravan insurance cover damp?
Usually not. Damp that develops gradually is treated as wear and tear or a maintenance issue. Sudden water damage, such as from a burst pipe, may be covered, subject to any winter conditions.
Are my belongings covered in the caravan?
Often, under a contents section with its own limit. Valuables such as jewellery, cash and electronics usually have lower limits, and some need to be kept out of sight or with you.
Does caravan insurance include public liability?
Some policies include it, covering injury or damage caused to others by the caravan when it is detached or on site. While you tow, liability generally sits with your car policy.
How is the value of my caravan decided?
Either at market value, which is what it was worth just before the loss, or new for old where offered. Insuring at an accurate value helps avoid a claim being reduced.
How do I compare caravan insurance quotes?
Look beyond the price to the valuation basis, the security and storage conditions, winter terms for statics, the contents and awning limits, European days and the excess.
Ready when you are
Get Quotes for Your Caravan
Tell us about your caravan, where it is kept and how you use it. UK insurers can then come back with quotes. Free to use, with no obligation to buy.
- Touring and static caravans
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- FCA authorised and regulated
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About this page
This page explains UK caravan insurance: what it covers, what it leaves out, and how the security, storage and winter conditions decide a claim. It is general information rather than advice. Policies differ between insurers, so read your own documents and put the questions raised here to the insurer.
How we approached this page
- Published UK touring and static caravan policy summaries
- Caravan security and storage guidance
- Financial Ombudsman material on caravan insurance complaints
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