Compare caravan insurance
Whether you're touring the country or holidaying at your static caravan, you'll want to get the right cover. Compare cheap caravan insurance and keep your holiday plans on track.
How to compare caravan insurance
If you like to get away for the weekend, it’s important that you’re properly covered. Just like a regular car, you have a number of insurance options when it comes to protecting your caravan.
Understanding the type of caravan you have and what you need cover for is the key to picking the right policy. Whether it’s for a towed vehicle or static caravan, find out how to get the best caravan insurance below.
How much does caravan insurance cost?
The average cost of insurance for a static caravan is roughly £150, according to industry experts, but the actual cost of your insurance will depend on the following factors:
- The type of caravan
- The age and condition of the caravan
- How the caravan is used
- Your location
- The level of cover
What cover options are there?
There are a range of insurance policies to cover different types of caravan. These are:
Touring caravan insurance
A touring caravan is one that is towed by a car or other vehicle. While your existing car insurance may protect you when towing a caravan, this will generally only extend to third party, and will not cover any damage to your caravan.
Getting specialised insurance for your touring caravan will protect you from the following:
- Damage to the interior or exterior
- Third party liability
Static caravan insurance
Static caravans are generally larger than touring caravans and are often permanently installed at holiday parks. While you are not legally required to get caravan insurance, it can help protect against any damage caused to your property, especially if you’re not there to look after it all year round.
If you live in a static caravan permanently, you will need to get different insurance to someone who uses it as a temporary holiday home.
Trailer tent insurance
If you are pulling a trailer tent or folding camper behind your vehicle, you can also get caravan insurance to protect it from damage and theft.
A motorhome is a vehicle that can be driven as well as lived in. Unlike caravans, you are legally required to get motorhome insurance if you plan on driving it in the UK. There are three main levels of motorhome insurance:
- Third party
- Third party, fire and theft
You can also get additional cover to protect from accidental damage, personal possessions cover and public liability.
How much cover do I need?
You don’t want to be paying for unnecessary cover. Take the following factors into consideration when shopping around for caravan insurance:
- First, consider the value of your caravan and how much it would cost to repair or replace following an accident. If your caravan is brand new, you’ll probably want a more comprehensive policy and one that offers new-for-old replacement.
- Next, consider how you will be using your caravan. Is it an on-site van or a touring caravan? How far will you be travelling and through what sort of terrain? Are you planning one big trip or several smaller trips?
- The final step is to consider what you want your policy to cover. In addition to fire, storm, theft and malicious damage, do you want cover for towing costs and temporary accommodation? Do you need extra contents cover for valuable items?
How to keep your caravan safe
- Lock it up. It wouldn’t hurt to invest in security devices such as wheel clamps to reduce the risk of thieves hooking your caravan up to a car and driving off. You may also want to consider fitting some sort of a tracking device.
- Security features. Fit security alarms and immobilisers to further deter thieves. A security camera may also be a good idea.
- Hide your valuables. To ensure that your caravan isn’t an attractive target for thieves, hide your valuables so they can’t be seen from the outside or if you can avoid bringing them on your trip then even better!
- Get photographic evidence. Take photos of the inside and exterior of your caravan so that you can provide proof to your insurer following theft or malicious damage.
- Join a club. If you regularly travel with the other members of a caravan club or group, you can enjoy safety in numbers and may also be able to take advantage of insurance discounts.