What is caravan breakdown insurance?

Key takeaways

• Caravan breakdown cover is specific insurance for caravans and trailers in case they break down

• Not all caravan breakdown covers include the tow vehicle, so make sure to check before purchasing a policy

• It's recommended to compare quotes from different insurers to find the caravan breakdown cover that best suits your needs

Why do I need caravan breakdown insurance? 

Enjoying the comfort of your own space, and discovering new destinations are some of the best parts of owning a caravan. But when the unexpected happens and your home-on-wheels breaks down, it can quickly disrupt your adventure. 

Caravan breakdown cover ensures you have the support you need, giving you peace of mind that help is always available. 

How do I choose breakdown insurance cover?

When you are insuring your caravan, the first rule is to make sure your breakdown cover includes both your caravan and your car. While it may seem obvious, assumptions can result in unpleasant surprises at the worst time so always take a moment to review your policy details to confirm both are protected. 

Every caravaner has different needs, and your ideal breakdown cover may differ from someone else's. While some people only take occasional trips, others might spend most of their time on the road. If you plan to tour across Europe, you’ll want to ensure your insurer offers the right coverage for your travels. 

Consider what level of cover suits your car and caravan, factoring in the age of your vehicles, how often you travel, and the distances you drive. Also, think about what’s included in your policy — whether you might need a hire car, an overnight stay at a campsite or caravanning club, or a recovery service to get both your car and caravan safely back home. 

Remember - some policies may not cover the tow vehicle, so it's important to confirm this before making a purchase.  

To find the best caravan breakdown cover for your needs, it’s always worth comparing quotes from multiple insurers. 

How does caravan breakdown cover work? 

Caravan breakdown insurance offers similar protection to standard car breakdown cover, providing valuable support when things don’t go as planned.  

Caravan breakdown cover offers roadside assistance, ensuring both your car and caravan are taken to a garage if repairs are needed. If your vehicle encounters issues on the road, simply contact your breakdown provider for help, as their priority is to get you moving again promptly. 

In cases where immediate repairs aren't possible, your vehicle will be transported to a garage, or suitable plans will be arranged to help you continue your journey. Certain policies also extend coverage to breakdowns at home, providing additional convenience and peace of mind. 

Here’s what caravan breakdown cover typically includes: 

• Roadside Assistance: If you break down a certain distance from home, a professional can come to your aid and get you back on the road. 

• Caravan Recovery: If your vehicle can’t be repaired at the scene, both your car and caravan can be towed to a destination of your choice. 

• Onward Travel Cover: When you're far from home, this cover can help with the costs of alternative travel or accommodation, such as a campsite or caravan club. 

• Home Start: If your vehicle won’t start at home, assistance can be arranged right from your driveway. 

In addition to breakdown support, caravan insurance can also protect your caravan against damage, destruction, or loss caused by fire, severe weather, or criminal activity. 

What’s the difference between personal cover and vehicle cover? 

Personal-based breakdown cover safeguards you wherever you go, regardless of the vehicle. Whether you're behind the wheel or simply a passenger, this policy is designed to protect you as an individual, not just a specific vehicle. 

On the other hand, vehicle-based cover applies to a specific car, meaning it’s covered no matter who’s behind the wheel. 

Choosing between the two depends on your lifestyle and habits. If you often use different vehicles or travel as a passenger, personal cover is likely the better option for your needs 

Are there any caravan size restrictions? 

When it comes to caravan breakdown cover, size can make a big difference. Many insurers set limits on the weight and dimensions of caravans and trailers they’re willing to cover. If your caravan is on the larger side or heavier than average, finding suitable cover might be trickier. 

Fortunately, some specialist insurers and caravan clubs offer policies designed specifically for bigger touring setups, without the usual size restrictions. 

Do I need European breakdown cover for when we go on holiday? 

If you're planning to take your caravan abroad, European breakdown cover is a must. It’s specifically designed for trips lasting between 31 and 90 days, though coverage can vary depending on the country. Make sure to notify your insurer about your travel plans to ensure you’re properly protected. 

You can choose European breakdown cover for a single trip or multiple holidays, depending on your needs. For more information on what to do if you break down while travelling in Europe, check out our guide on European breakdown cover. 

Can I get cover for my leisure batteries if they aren’t working? 

If you depend on leisure batteries to run 12V appliances in your caravan or motorhome, it's good to know that organizations like the RAC and Green Flag can supply the right battery for your needs. They also include a charger with new leisure batteries and offer a two-year warranty, giving you peace of mind that your home comforts will stay powered. 

I have a horse trailer. Do I need breakdown insurance? 

For those who transport horses – or other livestock – there is specialist insurance that provides roadside assistance and recovery within the UK. Home service equine insurance is also available to help fix your vehicle in time for events like show-jumping competitions, ensuring that both you and your equine companions reach your destination safely. 

How do I find the best deal on caravan breakdown insurance?

Comparing breakdown cover quotes can help you find the best policy for your needs at the best price. Here’s how it’s done: 

• Use MoneySuperMarket to quickly and easily compare quotes. You can tailor your quote to your needs, and include any optional extras you think might be useful. 

• Read customer reviews of providers on sites such as Feefo, Google or TrustPilot. 

• Check if the policy has a call-out limit (e.g. a maximum number of times you can use it per year). 

• If you have an older car, check it is covered by the policy. Some policies have a maximum age for vehicles.