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The UK’s best caravan insurance companies in 2024
Are you a caravan fanatic? We've compiled a list of some of the best caravan insurance providers in the UK and some top tips on how to get the best deal on your policy.
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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
Caravan Guard insurance
Caravan Guard is a specialist insurance provider with more than 30 years' experience. It offers policies for a wide range of caravans, as well as cover for campervans, motorhomes, holiday lodges, car and home insurance. The company's touring caravan policy includes cover for new for old if the caravan is less than 15 years old, awning storm damage cover, storm and flood damage and accidental damage. Static caravan insurance includes public liability cover up to £5 million, fixtures and fittings cover, key and lock cover up to £500 and emergency accommodation costs up to £75 a day for 15 days. This insurer's touring and static caravan cover are both 5-star Defaqto-rated, and it says it offers discounts across all its policies, including an extra 10% discount for every touring caravan policy purchased online.
- Extended European cover - up to 240 days
- Excellent average review rating from Trustpilot with over 1,000 customer reviews
- 24/7 claims helpline
- Mechanical and electrical breakdowns aren't included in the policy
Towergate caravan insurance
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
Ripe caravan insurance
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
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
Saga caravan insurance
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
Lifesure caravan insurance
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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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
The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
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