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Do I need caravan insurance?

Insurance is not a legal requirement for a touring or static caravan but it is logical to consider.

Taking a caravan on the road without any insurance puts you at risk of covering the full cost of repairs if any accidents happen.

Unlike motorhome or campervan insurance, most caravans don't need a motor to operate, so they don't require insurance to take them on the road.

Standard car insurance will cover your car while it's towing a caravan but it won't cover any damage to your caravan.

Top reasons to consider caravan insurance include:

  • Covering the cost of damages to your caravan on the road or while parked

  • Compensation if the caravan is stolen or burgled

  • To cover legal costs if you injure another person in an accident with your caravan

What does caravan insurance cover?

A standard caravan insurance policy can provide the following types of protection:

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    Damages related to road accidents

    Caravan insurance can cover repairs if you have an accident on the road, including some types of internal damages

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    Damages while parked

    Your insurance will cover repairs for any external damages made to static caravans or touring caravans while parked

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    Theft and burglary

    Some of the contents of your caravan are covered if your caravan is burgled or if the caravan itself is stolen while detached from your vehicle

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    Third-party liability

    If you injure someone in an accident with your caravan or damage their property, your insurance can cover your related legal fees

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    Caravan insurance can help you cover temporary accommodation or hire a new caravan if yours is written off

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    Recovery and redelivery

    If you're involved in an accident with your touring caravan, insurance can cover the cost of moving your caravan to a garage of chosen storage location

What type of caravan insurance do I need?

When you take out an insurance policy for your caravan, you’ll need to consider its type as well as the kind of cover you want. There are plenty of varieties of caravan and they all need different types of insurance.

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    Touring caravan insurance

    This provides financial protection for caravans that are towed behind another vehicle

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    Static caravan insurance

    This covers stationary caravans, such as those sited in holiday parks

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    Motorhome insurance

    Motorhomes are technically vehicles, and therefore require at least third-party insurance

Types of cover

If you have a static or touring caravan, then you will usually have to choose between new-for-old and market value cover.

  • New-for-old: insures the caravan for the value of a brand-new replacement model

  • Market value: means it’s insured for its own current market value

You can select additional cover options like driving abroad, windscreen cover and breakdown cover.

We recommend looking into the types of cover available to ensure that your caravan, contents and holiday are protected.

How much does caravan insurance cost?

What you pay for caravan insurance can vary widely but factors to consider that can affect the cost include:

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    Your age

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    Contents of your caravan

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    The level of cover you choose

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    Your insurance history

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    Where your caravan is parked

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    Your policy length

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    Your caravan’s make and model

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    Your caravan’s security features

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    The policy excess amount

How can I reduce the cost of caravan insurance?

Here are some steps you can take to reduce the cost of your caravan insurance:

  • Storage: Keeping your caravan stored in a secure location, particularly sites that are Caravan Storage Site Owners’ Association (CASSOA) approved.

  • Security: There are certain methods of increasing security such as alarm systems, window locks or even wheel clamps.

  • Club memberships: If you’re a member of a club such as the Caravan and Motorhome Club or Camping and Caravanning Club you may get a discount from some providers

  • Policy extras: Your policy may offer extra features that can bolster your cover, but only get these if you really need to, or you may be over-paying for protection you’ll never use

  • Take a caravan towing course: Training to tow your caravan demonstrates to your insurance providers that you have experience and know how to safely drive your caravan

  • Caravan Type: The bigger and more expensive models are usually costlier to insure

  • Safety devices for towing: Certain devices and accessories can improve the towing safety, including an automatic traction control system (ATC), a tyre pressure monitoring system (TPMS), and a reversing camera or sensor.

Jake Edmonds

Our expert says


Caravan insurance is designed to safeguard against risks such as theft, damage, and accidents, catering specifically to the needs of caravan owners. It covers the caravan itself as well as the contents within. Caravan owners should thoughtfully assess the required coverage level, taking into account the caravan's worth, how often it's used, and where it's stored. Insurance providers may also provide extra options like breakdown assistance and legal protection, offering caravan owners additional security whether they're traveling or parked.

- Jake Edmonds, Insurance Expert

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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 definitely get insurance if you live in your caravan and in some cases it’s a very good idea to do just that. Your caravan is your home and if anything were to happen to it, you could find yourself in a stressful situation without financial protection in place.

If you live in your caravan then you presumably have all of your most precious personal possessions there with you, too, which could be difficult and potentially very costly to replace without insurance.

There is nothing stopping you from lending your caravan to your family or friends, but it’s advised that you 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. This can be a useful cover if your caravan is parked in an area that is prone to flooding. You should 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, car insurance will not cover any damages made to your caravan.

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