Does caravan insurance let me tow my caravan?

Standard car insurance won't cover towing or damage to your caravan. While car insurance is legally required for towing on UK roads, caravan insurance covers insurable damage to your caravan. Confirm with your car insurance provider if your policy allows caravan towing.

Caravan Insurance

Q: What's the difference between static and touring caravans?

Static caravans are designed to stay in one place, while touring caravans are towed by a vehicle. Static caravans are typically larger and more comfortable, while touring caravans are smaller and more mobile.

Q: What is family cover on caravan insurance?

Family & friends cover allows named friends and family members to use your caravan with insurance coverage. This benefit only applies to those specifically named on your policy.

Q: Will caravan insurance cover me outside the UK?

Some caravan insurance policies offer coverage for travel outside the UK, including continental Europe. Always confirm your coverage area with your insurer, especially if you plan overseas travel with your caravan.

Q: What types of caravan can I insure?

The most common caravan types for insurance are touring and static caravans. However, folding caravans, trailer tents, and campervans can also be insured. Motorhomes require separate motor vehicle insurance with third-party coverage.

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Do I need caravan insurance?

Taking out caravan insurance for a static or touring caravan is not a legal requirement in the UK. But investing in this protection is a smart move and part of caring for your caravan.

If you are towing a touring caravan, car insurance might offer third-party protection, but it won’t cover any damage or repairs to your caravan. This means you’ll be reliant on the insurance of the at-fault driver during an accident to cover the costs. If you are the driver at fault, then you could be faced with needing to cover very expensive repairs and damages by yourself.

Static caravan insurance will be particularly important if you use it as your main residence. This can protect your home or holiday home and its contents from fire, flooding and theft. Without this protection, you could lose the caravan in an accident, or be left with hefty repair costs.

If you are a motorhome or campervan owner, you will need specialist motorhome or campervan insurance policies. These cater to motor vehicles, providing third-party cover so they can legally drive on the road.

At Quotezone, our UK caravan insurance providers can help find you a tailor-made caravan insurance quote. We provide a free, no-obligation quote system for your online search for the cheapest caravan insurance deals.

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What are the different types of caravan insurance?

Caravan insurance policies in the UK can be tailored to meet your specific needs. So you can choose to add additional coverage such as windscreen cover, European travel cover, and breakdown cover. However, the majority will be divided into these two main kinds of caravan insurance.

New for old

If your caravan is written off or stolen, new for old insurance will cover your caravan for the value of a brand new replacement model.

Market value

This insures you for the current market value of your caravan model. If your caravan is older than 20 years, your insurer will pay out at the rate of a caravan with a similar make, age and condition.

What does caravan insurance cover?

A good caravan insurance policy will cover you for the following:

Traffic accidents

Towing a caravan can be tricky, especially if you are new to it, or in a country that requires you to drive on the left. Caravan insurance will help you pay for the cost of repairs and replacement parts needed after an accident. If the accident is someone else’s fault, their third-party insurance should cover these costs.

Caravan recovery

If your caravan is involved in an accident, it may be difficult to move due to damage. Caravan insurance will cover the costs for professional recovery services which can help get your caravan back home or to a repair garage.

Theft & burglary

Caravan burglary can be a real risk, especially in popular camping destination. If thieves steal your caravan while its detached, then having a caravan insurance policy in place will cover you against the loss. You can also insure certain contents and belongings should thieves manage to steal them from inside your campervan.

Third-party liability

If your caravan causes any property damage or personal injury to others, your caravan insurance will cover you for third-party liability costs. This means you’ll be covered for the costs of damages and injuries caused by your caravan and any resulting legal fees.

Write offs

If your caravan is written off due to an accident, some caravan insurance policies can help you cover the cost of hiring a new one in the meantime.

What is not covered by caravan insurance?

These can be specific to the insurer and your policy, so you should always check your policy details to confirm any coverage exclusions. Caravan insurance will typically not cover the following:

Negligence

The theft or burglary of your caravan and contents due to lack of security, e.g. leaving windows open and not locking doors, typically won’t be covered by your insurer. Your caravan insurance will also likely be made void if you park your caravan outside its registered storage locations.

Wear and tear

Normal wear and tear caused by use and age are not treated as insurable events. This could be particularly relevant if you own a classic caravan, so choose coverage carefully.

Infestations

If your caravan is damaged due to rodent and insect infestations, this will typically not be covered under a standard caravan insurance policy.

Unapproved use

Using your campervan for purposes which it is not designed or intended for will also likely cause your insurer to reject any insurance claims for related damage.

How much is caravan insurance?

The average cost of UK caravan insurance will vary depending on a few key factors. And each caravan insurer will weigh these up differently. This is why the best way to shop for caravan insurance policies is to compare quotes, so you don’t pay over the odds. Factors considered by insurers include:

1. Your caravan’s estimated market value

4. Where your caravan is parked

7. How your caravan is heated

2. Your estimated annual towing mileage

5. Will you take your caravan overseas

8. The security features of your caravan

3. The value of your caravan contents

6. If you’ve claimed on a caravan policy in the past five years

9. How your caravan is anchored

Tips for getting cheaper caravan insurance quotes

Join a caravan club

By joining a caravan club, you could reduce your caravan insurance premiums. Many insurers will have deals with caravan clubs, and offer discounts to their members.

Increase voluntary excess

While you will have to pay more excess in the event of a claim, increasing your voluntary excess can be a good way of significantly reducing your caravan insurance premiums.

Store your caravan securely

Keeping your caravan in a secure location when not in use can be a great way of reducing your premiums. Some insurers will offer discounts for parking your caravan on a CaSSOA site (Caravan Storage Site Owners’ Association).

Avoid unnecessary cover

Avoid extra coverage you don’t need. These can be nice to have, but will typically cost you extra.

What details do I need to get caravan insurance?

Caravan details

You will need to indicate the type of caravan you want to insure. Whether it is static, touring, folding, or a trailer tent. You’ll also need to know the make and model.