The UK’s best caravan insurance companies in 2026

A caravan can be a great way to travel without spending a fortune on hotels. Whether you’re touring the UK or further afield, or own a static caravan somewhere lovely, you’ll need to insure your caravan for damage and theft.

There are many options for caravan insurance on the market. We’ve listed some of our favourites below along with our top tips on how to get the best deal for you.

Caravan insurance companies in the UK

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Towergate caravan insurance

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• Pros and cons

Towergate Insurance is a specialist insurance provider that started in 1997. The company's touring caravan policy includes public liability cover, accidental damage while towing (family members are also covered to tow the caravan), theft or attempted theft and fire, flood and storm cover. The static caravan policy includes the same elements, minus the towing cover. You can add a number of optional extras to tailor your policy to your needs, including legal expenses, key protection, extended accidental cover for the caravan when not being towed and European cover. You can also add drivers not in the policyholder's family for an extra fee.

• New for old cover on all caravan insurance products
• Accidental damage cover included as standard
• 4.6/5 rating from over 11,000 customer reviews

• The claims line is only open on weekdays
• Tyre damage isn't included in the policies

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Ripe caravan insurance

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• Pros and cons

Ripe Insurance launched its first product - The Golfers Club - in 1998. Since then, the company has expanded to offer a number of insurance products, including for caravans, lodges, cabins, chalets and trailers. Ripe's touring caravan policy is underwritten by Aviva and includes damage and theft covered as standard, new for old cover up to 15 years and cover for tourers up to £75,000. The static caravan policy is also underwritten by Aviva and includes loss, damage, theft, fire, storm and flood damage covered as standard, new for old cover up to 10 years and cover for statics up to £175,000. Optional extras are available to help you tailor the policy to your specific needs.

• Touring caravan club member discounts
• Only pay for the cover you need
• 5 star TrustPilot rating from over 7,500 customer reviews

• Claims helpline is only open in office hours

Leisuredays caravan insurance

• Info
• Pros and cons

Leisuredays is a specialist insurance provider offering static caravan, lodge, chalet, park home and holiday home insurance. Its static caravan cover includes public liability up to £5 million; fire, theft, storm and flood damage; accidental damage; fixtures and fittings; and keys and locks up to £500. You can also add a range of optional extras, such as legal expenses cover up to £100,000 and new-for-old cover. Note that touring caravan insurance is not available from Leisuredays.

• 14-day money-back guarantee
• 24/7 claims helpline
• Backed by a leading UK insurer - RSA

• Leisuredays only offers cover for static caravans

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Saga caravan insurance

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• Pros and cons

Saga has more than 65 years of experience and is a leading insurer for the over-50s, offering travel, home and car insurance, as well as other financial services. Saga offers a touring caravan insurance policy for those aged 50 and over. The policy includes vandalism cover; contents and personal belongings cover up to £1,500; family and friends use (excluding personal belongings); loss-of-use cover; storm, flood and natural causes cover; accidental damage or loss; legal expenses; personal accident cover up to £20,000; and recovery and delivery costs up to £3,500. Optional extras such as unlimited European cover, no-claim discount protection and breakdown assistance are also available.

• 24/7 claims helpline
• Discounts and choice of excess available
• Unlimited cover in the European Union available as an optional extra

• Saga only offers cover for touring caravans
• Saga only offers cover for the over-50s

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Lifesure caravan insurance

• Info
• Pros and cons

Lifesure is a specialist insurance broker established in 1971 and offering caravan, motorhome, park home and property, car and home insurance. For touring caravans, there are four types of cover to choose from, each catering to different requirements. The right policy for you will depend on how much money you would like to cover your caravan and its contents for, how much your caravan is worth, whether it has a tracking device and where you store it. For static caravan policies, you can choose to take out cover for UK-based caravans valued up to £150,000, residential static caravans (where you are permanently living) and fleet insurance for two or more caravans.

• 24/7 claims helpline
• 5-star review rating from over 450 customer reviews on independent review platform, Feefo

• Its minimum excess is higher in comparison to some other caravan insurance providers

• E&L. E&L, or The Equine and Livestock Insurance Company, provides a range of personal and specialist financial products, including boat, bicycle, pet, horse and wedding insurance. Its caravan insurance caters to both touring and static caravans. For touring caravans, there are four levels of cover to choose from, each with its own specifications. All touring caravan policies include cover for fire and theft, storm and flood, accidental damage, new for old and European use (from 180 to 240 days, depending on the level). Static caravans have only one level of cover available, which includes accidental loss or damage, new for old up to five years, alternative accommodation up to £500,000, key and lock cover up to £150, freezer food up to £100, and public liability cover up to £2 million.

How to find the best caravan insurance

• Whenever you’re looking for insurance cover, your first step should be to compare policies. Our table below will help.
• When comparing policies, don’t just look at the price. Cheapest doesn’t mean best, so make sure the policy you go with has all the elements you require. For example, if you want a static caravan policy that offers cover for public liability (in case someone is injured or their property is damaged in the caravan), make sure you take out a policy that includes this as standard.
• When you’ve chosen your provider, go through the application process. You’ll need to give full, accurate information when answering every question, as failing to do so can invalidate your whole policy.
• When you’ve taken out the cover, download your policy documents and keep them in a safe place (whether that’s on your desktop or as hard copies in your home or office). Keep them somewhere you can access in case you need to make a query or a claim.
• Make a note of the claim line number for your provider in your phone or on a piece of paper in your caravan (preferably both), for use in case of an emergency.

Compare some of the best caravan insurance providers

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Available cover	Details
Caravan Guard Touring	New for old and market value cover.	Accidental damage, new for old replacement, emergency accommodation from £100 for 30 days, European cover for up to 180 days with option to extend to 240.	Go to site View details	loading
Caravan Guard Static	Static caravan insurance cover.	Emergency accommodation costs up to £75 a day for 15 days, £5,000,000 public liability cover, special occasions cover up to £2500.	Go to site View details	loading
Leisuredays Static	Static caravan insurance.	Leisuredays provides specialist cover for static caravans with up to £5 million of public liability cover. There is also a 24/7 claims helpline.	View details	loading
Towergate Touring	Accidental damage while towing, new for old, theft or attempted theft, public liability	Underwritten by Towergate Underwriting Group Ltd and AIG Europe Ltd	Go to site View details	loading
Towergate Static	Accidental damage, new for old, theft public liability.	Underwritten by Towergate Underwriting Group Ltd and AIG Europe Ltd.	Go to site View details	loading
Ripe Touring	Touring caravan insurance.	Loss, damage and theft covered as standard. The policy covers tourers for up to £75k with new for old cover available for up to 15 years. Optional extras available.	View details	loading
Ripe Static	New for old and market value cover.	Loss, damage, theft, fire, storm and flood damage covered as standard. The policy also includes new for old cover up to 10 years and cover for statics up to £175k. Optional extras available.	View details	loading

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Bottom line

Whether you own a touring or static caravan, you’ll want to protect it against damage and theft.

Insurance for touring caravans offers different benefits to static caravan insurance, but in both cases it’s best to not just go with the cheapest provider. Instead, make sure the policy offers all the features you require.

The best way to find the perfect deal for you is to shop around and compare policies.

Frequently asked questions

• How much does caravan insurance cost?

  This will depend on the type of caravan you want to insure, the model, how much it’s worth and what you keep inside it. Bigger, more expensive caravans will likely cost more to insure.

  For static caravans, where it’s located will also affect the cost, whereas touring caravan premiums will be affected by where you are planning to travel with it.

  When comparing caravan insurance, remember that cheapest isn’t always best. Make sure you take out a policy that offers sufficient cover for your needs, not just the one with the lowest premium.

• Can I pay for my caravan insurance in monthly instalments?

  Most insurers will let you pay for your insurance in monthly instalments, but this might work out to be more expensive overall as interest may apply to the payments.

• What's the difference between a touring and static caravan?

  A static caravan is located somewhere specific on a permanent basis, usually a holiday caravan park. It functions like a holiday home, though most static caravans can be moved if needed.

  Touring caravans are designed to be hitched to the back of a car and driven around on holiday with you. They allow you to have some of the creature comforts of home while on the road.

Written by

Ronny Lavie

Editor

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Ronny Lavie was a deputy editor at Finder, specialising in insurance content. She has almost a decade of experience writing about financial topics, including five months spent as the interim managing editor for the Fintech Times newspaper. Ronny has a Master of Arts in Creative Writing from London Middlesex University. See full bio