Caravan insurance can protect a touring or static caravan against risks including theft, accidental damage, fire, storm, and third-party liability. Depending on the policy and provider you choose, it could also cover your contents, equipment, awning, recovery costs, or alternative accommodation.
The type of cover you'll get, as well as any limits or conditions attached to the policy, can vary between providers - so check all policy details before you buy.
Separate caravan insurance isn't usually required by law in the UK - but your motor policy might only provide third-party protection while towing, and might not cover damage to your own caravan.
A holiday park, lender or storage provider can also require a certain level of cover, so check to see if you have protection through this as well as your car insurance policy. Always make sure you're fully insured to tow your particular car and caravan combination.
When you compare caravan insurance quotes through MoneySuperMarket and our partner provider Vast Visibility, you'll be able to find cover for:
Cover for holiday caravans kept at a fixed park, pitch or site
Cover for caravans that are towed between sites and stored between trips
You can also cover folding campers, fifth-wheelers, pop tops and trailer tents
Touring caravan | Static caravan | |
|---|---|---|
Purpose | Holiday travel and short stays in different locations | Fixed holiday accommodation at one site |
Mobility | Designed to be towed regularly by a car | Not designed to be moved frequently |
How it's used | Taken on trips, weekends away and touring holidays | Used as a base at a holiday park or private pitch |
Where it's stored | Often stored at home, driveway or secure storage site | Remains on its pitch year-round |
Towing requirements | Requires a suitable tow vehicle, licence and towing experience | No towing required for normal use |
Cover to consider | Theft, accidental damage in transit, and road-related risks | Weather damage, site risks, fire and long-term occupancy risks |
No, a motorhome or campervan has its own engine and is classed as a road vehicle, so it needs motor insurance - caravan insurance is generally designed for static caravans or towable vehicles without their own engine.
You should compare motorhome insurance instead if your vehicle can be driven independently.
Generally no - motorhomes are designed to be driven as self-contained vehicles and are not typically used to tow full-size caravans. If towing is involved, it is usually with a car and a touring caravan, so it’s important to check your vehicle’s towing capacity and insurance cover.
Yes. Breakdown cover for motorhomes may include roadside repair or recovery of the vehicle itself, while caravan cover may focus on recovery of the caravan if it becomes unsafe to tow. Some policies allow you to combine both, but the level of cover and assistance can vary depending on the provider.
The exact cover you'll get from your caravan insurance will depend on your chosen provider and type of policy - but generally speaking, you'll likely see the following inclusions and exclusions:
Theft and attempted theft: May cover the loss of the caravan or damage caused during an attempted theft
Accidental damage: May cover unexpected damage to the caravan during use, storage or towing
Fire and weather: Policies may cover fire, storm, flood or other events listed in the policy
Third-party liability: May cover compensation and legal costs if someone is injured or property is damaged
Wear and tear: Ageing, corrosion and gradual deterioration are commonly excluded
Damp and maintenance: Long-term damp, mould, rot and poor upkeep may not be covered
Security breaches: A theft claim may be affected if required locks or devices were not used
Undeclared circumstances: Claims may be affected if the use or storage details differ from those provided
The caravan insurance quotes you'll be shown will depend on how you use it - Vast Visibility, our partner provider, allows you to choose from the following options:
Yes, you can get cover if you live in your caravan - just choose permanent residence when describing how the caravan is used.
A caravan occupied as your main home may need different cover from a static holiday caravan, so be sure to check that your policy specifically permits permanent residence before you buy.
Yes, if you rent to holiday makers you can still get cover - choose commercial letting if customers pay to stay in your caravan. Standard personal-use policies may not cover paid letting, so check the permitted use, public-liability protection, contents cover and any unoccupancy conditions.
You should tell your insurer if your caravan is used for work or business purposes - business use can present different risks from personal holidays, so the policies and providers available to you could be more limited.
Hire and reward generally means receiving payment for the use of the caravan. Choose this option and be sure to check exactly who is allowed to use it, what activities are covered and whether any extra conditions apply.
Some policies may allow friends or relatives to use the caravan, but restrictions can vary between providers - so check who's covered, whether you must be present and whether the caravan can be lent without telling the insurer.
Choose 'other' if none of the listed descriptions accurately reflects how the caravan will be used - remember to always give complete and accurate information when looking for any type of insurance. Your chosen provider may ask further questions before confirming whether it can offer cover.
How your insurer values your caravan is important, especially after a theft or write-off - when you look for a quote with Vast Visibility, you'll be asked for both its current value and the cost of a new equivalent.
A total-loss settlement is normally based on what a comparable used caravan was worth immediately before the loss, up to the policy limit.
This means depreciation is taken into account, so the payout reflects the caravan’s age, condition, mileage (if applicable) and general wear and tear at the time of the incident.
In some cases, insurers may use trade guides or recent sale prices of similar caravans to calculate the settlement.
Designed to fund a new equivalent caravan, subject to its age, eligibility, the amount insured and the policy terms.
This typically means that if your caravan is stolen or written off, the insurer may replace it with a brand-new model of the same or similar specification, rather than paying a depreciated value.
However, eligibility often depends on the caravan being below a certain age and properly maintained, and the replacement may be limited to the nearest equivalent model if the exact version is no longer available.
The price you'll pay for caravan insurance varies depending on a number of different factors, including you and your claims history, your caravan and its contents, how you use it, and the specific type of cover you need.
Comparing quotes with MoneySuperMarket and our partner provider, Vast Visibility, is a quick and easy way to find affordable cover - it only takes a few minutes, and you'll be able to compare policies from a range of providers.
Insurers will often consider the following factors when they set your premiums for caravan insurance:
Touring, static and specialist towables present different risks
The manufacturer, model and year may affect repair and replacement costs
Its current value and the price of a new equivalent may be considered
The amount of cover for your contents may affect your quote
Where the caravan is usually kept and whether it is permanently sited
Insurers may ask about alarms, trackers, wheel clamps and hitchlocks
Personal holidays, lending, letting and business use are usually treated differently
Driving, caravanning, claims and previous insurance details may be considered
Settlement basis, optional features and voluntary excess can affect your price
Choosing a higher voluntary excess may reduce your premium with some providers - just be sure to choose an amount you could comfortably afford to pay if you needed to make a claim.
You should always give realistic figures for the value of your caravan, its contents, equipment and awning. Underestimating them could leave your limits too low, while unnecessarily high figures may mean requesting more cover than you need.
Check whether each optional extra available is useful for your circumstances and whether similar protection is already included elsewhere - but don't remove important cover just to lower the price if you would struggle to meet the cost yourself.
Some providers may allow you to pay annually or by monthly instalments, but paying monthly will often cost more overall as providers generally charge interest for spreading the cost.
The security of your caravan will affect how much insurers will charge to cover it. Using factory or dealership fitted alarms and locks and keeping your caravan stored in a secure location help reduce the risk of theft or burglary, and as such can reduce your premiums.
When you look for a caravan insurance quote, you should have the following information to hand to make the process easier:
Personal details: You'll need to give some information about yourself, your address and employment
Caravan details: You'll also need to provide information about the caravan and the value of any contents
Storage and security: You'll need to give details about the caravan's storage location and security measures
Intended use: You'll need to declare how you'll be using the caravan
Your claims history: Finally, you'll need to mention any other insurance claims you've made
Comparing caravan insurance quotes with MoneySuperMarket and our partner provider Vast Visibility lets you find affordable cover in minutes - here's how it works:
Give us a few details about yourself, the caravan, how it is used and the cover you want
Compare quotes by the overall price, excess, cover limits, settlement terms and optional features
Continue to the provider and complete your purchase to get cover
A cheap premium only really works in your favour if the policy actually does what you need it to when something goes wrong. It’s worth looking beyond the headline price and checking how the caravan would be valued in a claim - whether that’s market value or new-for-old - so you know what you’d realistically get back.
It’s also important to check that your details stack up properly - make sure that your cover limits are high enough for your caravan and contents, and don’t overlook the small print around storage and security. If you can’t meet those conditions day to day, it could affect whether a claim is paid, no matter how good the price looked upfront
Sara Newell Motor & Home Insurance Expert
You can take your caravan outside the UK with you, provided you have the correct paperwork in place and bring any necessary documentation with you. What this entails will be different depending on where you are intending to visit but you can expect to bring:
· Your driving licence
· Your passport
· Proof of ownership (for both your car and caravan)
· Proof of valid MOT (for your car)
· Proof of insurance or a Green Card
· An International Driving Permit
You should also remember to take out a suitable travel insurance policy to ensure you have the right cover in place for your trip abroad.
You can caravan cover if you live in your caravan and in some cases it’s a very good idea to ensure that a policy is in place. Your caravan is your home and if anything were to happen to it, you could find yourself in a stressful and costly situation without financial protection in place.
Yes, your family and friends are able to use your caravan however, you should check the details of your insurance policy before doing so. A lot of insurers offer automatic cover when loaning your caravan to someone you know but exclude loaning your caravan out for financial gain, so be clear about what the circumstances are when speaking to your insurer.
Touring caravans can be differentiated from static caravans by one key feature – they are mobile. While location must be considered when choosing a static caravan, touring caravans are designed to be taken with you wherever you choose to go on holiday.
Touring caravans are usually towed behind your car, which means they must be narrow enough to fit inside road lane markings – limiting the internal space compared to a static caravan. Because of this, touring caravans are the best option when it comes to location flexibility. If you prioritise having a larger, more flexible space to stay in, static caravans are probably the better option.
It is possible that your home contents insurance policy provides cover for some items in your caravan. If this is the case, it is most likely that the items covered will be things like your clothing, laptop, or anything else that isn’t stored in the caravan permanently. It’s highly unlikely that items belonging to the caravan, such as soft furnishings and awnings, will be covered.
Every policy is unique so you should always check the terms carefully, but it isn’t uncommon for the following scenarios to be excluded:
Damage/theft caused by carelessness or lack of security
General wear and tear
Mildew or mould damage
Using your caravan in a way not listed in the policy (e.g. as your main home or running a business from it)
Caravan insurance can cover you for storm damage as well as fire and flood damage depending on the terms of your policy. This can be a useful cover if your caravan is parked in an area that is prone to flooding.
Check your policy documents to make sure this protection is included with your caravan insurance policy and that the cover is sufficient.
Caravan insurance doesn't usually cover internal damage and is only able to cover damage caused from damp in specific circumstances. If the damp is caused by neglect, wear and tear, condensation, or a plumbing accident while parked, then it's unlikely that your insurance will cover you. However, caravan insurance may cover damp if it's caused by an accident. For example, insurance will help you cover repairs if your caravan is hit by another vehicle, causing a pipe to break and leak water. You will need to be able to prove that the damp was caused by an external force for any claim to be approved.
Your car insurance can cover your car if you are towing a caravan. This means that if something happens to your car while it's towing a caravan, the damages to your car will be covered by your policy. However, a car insurance policy will not cover any damages made to your caravan.
At MoneySuperMarket, we want to give you clear, accurate and trustworthy information so you can make confident financial decisions for your circumstances.
Every page on our website goes through a careful editorial process before it is published. It’s written or reviewed by one of our experienced experts, checked for accuracy, and updated regularly to reflect the latest information.
We do use AI tools to support our research and drafting, but a human editor is always in the loop to review, fact-check and approve everything before it’s published, so you can trust that what you’re reading is both reliable and up to date.
You can read more in our editorial guidelines.
We get paid by the companies we work with, but the payment we get doesn’t have any bearing on the information we provide. We get paid in different ways, depending on the type of product or service you buy through us. Our goal is to search deals from as wide a range of companies as possible, but we only show results from our partner providers.
Our comparison service is, and will always be, free to use.
One of the best ways to get the lowest prices and best deals is to compare quotes from different companies. We do the work for you, comparing quotes side-by-side and giving you all the information you need so you can choose the right deal for your needs and your wallet.
We don’t give recommendations or financial advice, but we give you clear information so you can choose financial products that suit your circumstances.
No, not every company can be included in our service. This is because some companies don’t want their products included on comparison sites, and some decide that they would rather not pay a fee. There are also a few smaller providers who can struggle to cope with the volume of customers that can find their products if they appear on MoneySuperMarket.
Our goal is to search deals from as wide a range of companies as possible so that you can choose the deal that suits you.
No, at this time caravan insurance is not an eligible product for unlocking our SuperSaveClub rewards. It is also not included in our Price Promise.
Reviewed on 6 Aug 2026 by
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
