Caravan Insurance
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Why Compare Caravan Insurance Quotes With EasyQuote
Whether you have a static or touring caravan, caravan insurance will ensure many happy memories in your new four-wheeled home. It protects your caravan against theft, accidental damage, third-party liability and more, offering complete peace of mind during all your travels.
But, there are so many different policies out there, it can be really overwhelming once you start searching for the best type of insurance.
With EasyQuote, you can easily compare insurance quotes from over 50 trusted insurers.
Simply tell us what you need and we’ll get you the best deal at the right price.
Why Do I Need Caravan Insurance?
Insurance of any kind is a form of financial protection. It will give you the cover you need when you might not be able to afford costly repairs. Here are how you could benefit from caravan insurance:
Your car insurance doesn’t cover it
If your standard car insurance doesn’t cover your caravan, you’ll need caravan insurance in case your caravan gets damaged or breaks down.
An accident that wasn’t your fault
A driver’s insurance that caused the accident or damage might cover the damage costs, however, third-party claims might not be included in their insurance cover.
Covers theft and damage wherever it may be
Whether attached to your car or static in a caravan club location, caravan insurance will protect your caravan wherever it may be.
What Does Caravan Insurance Cover?
When choosing caravan insurance, it’s important to know that some insurance options will cover almost everything and others might only cover the bare minimum.
The amount of cover is largely determined by the amount you are willing to pay and the insurance company in question.
However, when it comes to a standard caravan insurance policy, the following is usually covered:
- Theft: If your caravan is stolen, most insurance providers will offer theft cover.
- Accidental damage: With this cover, you’ll be protected against both internal and external damage caused by an accident or adverse weather.
- Malicious damage: If your caravan is vandalised or a target of third-party damage, you’ll be fully covered for the loss.
- Stolen caravan contents: If someone breaks into your caravan and steals or damages your caravan’s contents, like your camping equipment, you’ll be covered.
- Third-party cover: Also known as public liability cover, it will protect you against claims from a third party who was injured due to an accident involving your caravan. It will also cover claims relating to property damages caused by your caravan.
- Fire: You’ll be financially protected if your caravan is damaged or incinerated by a fire.
- Written off: You’ll be covered if your caravan is damaged beyond repair.
What’s Not Covered By Caravan Insurance Policies?
Some policy exclusions are quite common. It’s best to check what type of cover is standard and what you’ll have to pay extra for before settling on an insurance policy.
Whether you’re getting touring or static caravan insurance, here are a few exclusions to look out for:
- Damage to your caravan or theft due to a lack of security features in place.
- Theft in case your caravan isn’t parked in its declared storage location.
- Damage that has been caused through natural wear and tear.
- When your caravan is serving as a permanent residential property and has been damaged.
- Damage caused by insects or vermin.
- Mechanical or electrical breakdown.
- Using your caravan as a business property.
- If your caravan doesn’t comply with your insurance provider’s maximum length or width restrictions.
- Damage caused by mildew.
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What Caravan Insurance Do I Need?
The type of cover you’ll need will depend on the caravan you have and how it’s being used. It’s worthwhile understanding the inclusions and limits of the different types of caravan insurance so you can pick the right cover for your unique needs.
Touring caravan insurance cover
Touring caravans are towed by a vehicle and offer living quarters on board making them the ideal home away from home on holidays. Your touring caravan may not be covered on your standard car insurance policy meaning it won’t be covered if you have an accident while towing your touring caravan. If this is the case, you’ll need touring caravan insurance.
Static caravan insurance cover
Static caravans are semi-permanent structures and are typically referred to as mobile homes. They’re created for purpose-designed sites that operate a vast amount of mobile homes but also offer a range of amenities. To insure this type of caravan, you will have to keep it stationary so you don’t breach the terms and conditions of the policy.
Motorhome insurance cover
Motorhomes can’t be classified as either touring or static caravans because they don’t qualify as caravans. They have both cabs and engines which makes them more car-like in terms of insurance requirements. However, it’s important to note that motorhome insurance differs from a standard car insurance policy and legally requires third-party insurance.
Trailer tents and folding campers cover
You can think of these as a hybrid option between a tent and a caravan. They’re a bit less secure, but overall lighter and more affordable. Because of this, trailer tents and folding campers can be more expensive to insure with some insurers, and the policy excludes items stored in these caravans.
What Are The Different Types of Caravan Insurance Policies?
There are two different types of caravan policies that you can utilise:
New for old cover
For a caravan that is at a total loss – think damaged beyond repair or it’s been stolen – then this cover will help ensure you get a new unit to replace the one that you lost. It’ll be the equivalent when it comes to your old caravan. This can also apply to any personal possessions or caravan equipment that you had and that needs to be replaced brand new too.
Market value cover
With market value cover, you’ll only be compensated on the current value of your caravan at the time of its loss. So if it’s 10 years old or just a year old, you’ll be paid out accordingly. This may be challenging when you need to replace it with a new model that’s likely going to cost a lot more money. However, it’s a more cost-effective cover in comparison to the new for old cover.
What Are Some Caravan Insurance Add-Ons?
Sometimes the peace of mind you get with optional cover is worth the extra cost. These are some of the caravan insurance add-ons you can consider if you’d like to go the extra mile in protecting your caravan.
Breakdown assistance cover
If your caravan were to break down while travelling, this cover will help to get you back behind the wheel. Although some standard car insurance policies include breakdown cover, it might not apply to your caravan. So, be sure to check before adding this policy.
Emergency accommodation cover
If you live in your caravan, this cover will provide you with alternative accommodation if your caravan becomes uninhabitable.
Family and friends cover
If you’d like your friends and family to use your caravan, this policy will provide adequate cover in case of damages or breakages.
Legal assistance cover
Navigating the legal landscape can be daunting but with this cover, you’ll get all the help you need to claim for uninsured losses caused by an accident that’s not your fault.
How Much Does Caravan Insurance Cost?
As a ballpark figure, you’ll be looking on average at anything from £145-£292 per year. Touring caravan insurance usually totals £155 while static caravan insurance will set you back £143 per annum.
What factors affect the cost of caravan insurance?
The cost of caravan insurance will vary depending on:
- The type of caravan you have
- The purpose of the caravan and whether it’s a touring or a static caravan
- Your claims history
- Additional things you wish to insure
- The level of security and make, model, and age of your caravan
Your caravan insurance policy should be tailored specifically if you use your caravan as a residential premises and if you already have car insurance in place.
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How Can I Reduce The Cost Of My Caravan Insurance?
When it comes to reducing your monthly caravan insurance premiums, upping your security is a great start. However, there are a few other things you can try as well.
Consider the caravan make, model, and size:
Consider the particularities of the caravan you’re keen on buying before making the purchase as they’ll affect your insurance costs. Remember, the larger and more costly caravan that you purchase, the more you’ll have to pay to insure it.
Build up a no-claims bonus
By not claiming, you can build up a no-claims discount that helps shave off a bit of the cost that comes with insurance premiums. The longer the bonus, the better the discount you’ll get.
Secure storage
Where you store your caravan is also highly important and can influence the affordability of your policy. To lower costs, keep your caravan in a secure site or at a storage facility where possible. If the storage site is owned by the Caravan Storage Site Owners’ Association (CaSSOA), this should assist in lowering your premiums.
Policy add-ons
Make sure that you’re not getting sold on too many optional extras that will hike up those premium payments. However, it’s also important not to skimp on the cover.
Improve security
When it comes to security, the more the better! Think wheel clamps, alarms and window locks as just a few features you can add. This will lower costs and make it easier to get more affordable cover.
Weigh up caravan cover quotes
Always compare quotes and providers, just like you would do with car insurance. It’s best to get a full landscape of the market since this will help you find the best insurance for your unique needs.
Caravan club membership
Some insurers offer discounts for those who are members of the Camping and Caravanning Club or the Caravan and Motorhome Club. Simply sign up and save.
Pay annually
Save money on your premiums by paying them annually instead of monthly.
Increase your excess
Similar to car insurance, your caravan insurance policy excess consists of voluntary and compulsory excess. Insurance providers determine compulsory excess amounts, however, you can decide how much voluntary excess you are willing to pay. You could significantly reduce the cost of your monthly premiums by increasing your voluntary excess.
How To Compare Caravan Insurance Quotes With EasyQuote
To provide you with a quick quote, all we need is:
- Your caravan details
- What type of cover you would like
- Your claims history
- Your personal details
Frequently Asked Questions
It’s a type of insurance that gives caravan owners peace of mind by offering financial protection to different types of caravans. Amongst other things, it covers damage caused by a road accident, theft, fire, and third-party liability. Anyone who buys insurance will hopefully never need to make a claim, however, it’s a good safety net to have in place, should something go wrong.
Of course! But try reading up on what additional documentation will be required, especially if you’re towing a caravan via your own car. As a caravan owner, it’s also a good idea to check if your insurance provider offers European Union cover.
Insurers usually have an annual limit on how many trips and for how long you can use your caravan outside of the country. If you exceed these limits, your policy may be void.
Many people choose to live in a caravan site over a permanent structure like a brick-and-mortar property. This is due to the affordability that caravans offer as you don’t have to make mortgage payments and your bills aren’t likely to be so high either. With that being said, you can be insured when living in the caravan permanently but this requires a specialist insurance policy.
No, it’s not a legal requirement to have caravan insurance. However, caravan insurance protects against a number of financial pitfalls which still makes it essential.
Your caravan is covered by your car insurance only when it is towed by your car and on the road. However, your car insurance won’t cover any damages to your caravan when it’s detached from your car. Unlike car insurance, your home insurance policy may cover some of your caravan contents regardless of where it is. However, this will have to be confirmed with your insurance provider.