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Caravan insurance

Compare quotes for static or touring caravan insurance

Get a static caravan insurance quote Takes about 7 mins Get a tourer caravan insurance quote Takes about 6 mins

  • Compare quotes from £114 for static caravans and £141 for touring caravans*

  • Get cover for your contents and public liability, as well as protection against damage and theft

  • Choose from new-for-old or market value insurance

*51% of Confused.com customers paid £114.60 or less for static caravan insurance and £141.21 or less for tourer caravan insurance in September 2024.

How to compare caravan insurance

When you're ready to get a quote, you'll need to provide the following information:

Information about your caravan

This includes information such as the make and model of your caravan, plus any additional security features it has.

Information about yourself

Includes information such as your name, address, occupation and whether you're a member of a caravan club.

Type of cover

This pays out the cost of the caravan at the time of the incident at its current market value. Because of this, it's usually cheaper than new for old cover.

Compare quotes

We do all the work for you so you can compare quotes from our 45 trusted caravan insurance providers.

Do I need caravan insurance?

You don't legally have to insure your caravan like a car, but it's a good idea to think about it. If your caravan is damaged in a road accident, your car insurance won't cover it.

Without insurance, you'd have to pay for repairs yourself. Caravan insurance protects against accidents, bad weather, theft, and vandalism.

What does caravan insurance cover?

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What's covered:

Theft

This should cover if your caravan is stolen when it's detached from your car.

Accidental damage

Any internal or external damage caused accidentally or by bad weather.

Malicious damage

You'll be able to claim if your caravan is vandalised.

Stolen contents

The contents of your caravan will be covered against theft or any damage. Check that your home insurance policy doesn't already cover certain items.

Third-party liability

This covers you if your caravan causes damage to somebody else's property, or if someone gets injured.

Fire

Any damage caused by fire should be covered under your policy.

Cross

What isn't covered:

Damage or theft to an insecure caravan

All doors and windows must be securely closed, otherwise any damage or theft to your caravan won't be covered.

Not using a security device

If you have a touring caravan, you should use an immobiliser, hitchlock and wheel clamp when your caravan isn't attached to your car.

Everyday wear and tear

This is seen as natural depreciation over time so you won't be able to claim for this.

Mildew damage

If your caravan suffers from damp that's been caused by general wear and tear, this won't be covered by your policy.

Keeping your caravan somewhere that wasn't approved by your insurer

If you try to make a claim when your caravan was stored somewhere other where you've listed on your policy, you won't be covered.

Insect or vermin infestation damage

Most caravan insurance policies won't cover insect or vermin damage, as it's classed as a form of wear and tear.

What level of cover do I need for my caravan?

"This depends on how you use your caravan. When you get a quote with us, you'll be able to choose whether your caravan is your main residence or not. It's important to tell us this so we can give you the most appropriate cover for the way you use your caravan.

"If you live in your caravan permanently, you're likely to want more comprehensive cover. If it's used more for holidays by yourself or friends and family, as a separate holiday rental or even for business use, we can tailor your quote to give you the right level of cover."

Louise Thomas, Motor Insurance Expert at Confused.com
Motor Insurance Expert Confused.com logo

What's the difference between static and touring caravans?

Static caravan insurance

This covers caravans fixed in one place from fire, flooding, storms, and theft. It works like home insurance as it protects your caravan and its contents.

Touring caravan insurance

Unlike a static caravan, this covers caravans that you tow with your car. Car insurance doesn't protect caravans from accidents. So if you want to protect your caravan against any damage, you need to get a separate caravan policy.

How much does caravan insurance cost?

How much you pay to insure your caravan depends on what type of policy you choose. You can buy either static or touring caravan insurance through Confused.com. Prices will vary based on things like how much cover you want, the value of your caravan, and where you keep it.

Policy type Average annual premium*
Static caravan insurance
£115
Touring caravan insurance
£141

Types of caravan insurance

There are 2 types of insurance to choose from:

New for old

If your caravan is stolen or damaged beyond repair you can replace it with a brand new one. This is the highest level of cover and is generally more expensive.

Market value

This pays out the cost of the caravan at the time of the incident at its current market value. Because of this, it's usually cheaper than new for old cover.

Compare static caravan insurance quotes

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Get a touring caravan insurance quote

How to save money on caravan insurance

Consider less expensive caravans

The value of your caravan plays a role in how much you'll pay for insurance. Factors like the brand, type, size, and age of the caravan influence its worth.

Keep your caravan secure

Where you store your caravan can impact how much you pay. Keeping your caravan in a secure location, like locked in storage or outside your home, can save money.

Upgrade your security features

Taking extra precautions to keep your caravan safe will help to keep costs down. You can do this by installing alarm systems, window locks, or wheel clamps.

Build your no-claims bonus

The longer you go without claiming on your insurance, the cheaper your costs are likely to be.

Consider a caravan club membership

Some providers offer discounts to members of groups such as the Caravan and Motorhome Club or the Camping and Caravanning Club.

Increase your excess

By selecting a higher excess amount, insurers may think that you're more likely to only make claims for serious incidents. This could mean paying less for your policy. Make sure you choose an excess amount that you can afford if you ever need to make a claim.

Think about what optional extras you need

To find a policy that's right for you, you'll need to shop around. Some insurers may charge more for add-ons, whereas others may include them as standard at a better price.

Why choose Confused.com?

  • We're independant

    We're 100% independent and we're not owned by an insurance company. This means we'll always show you the best prices available at the time, no matter who they're from.

  • Customer fairness and protection

    We're regulated by the Financial Conduct Authority (FCA). We follow their strict guidelines meaning we do what's right for you. So if you choose to use us, you know you're in safe hands.

  • Millions of satisfied customers

    We have over 20 years' experience in helping customers find insurance at the right price. Based in Cardiff, we help over 5 million customers a year so we know what we're talking about when it comes to insurance.

  • Saves you time

    Need some help? Our Cardiff-based team is here to support you all the way. Take a look at our contact page to find ways to get in touch.

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Page last reviewed: 5 June 2024

Reviewed by: Louise Thomas

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