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The Complete Guide To Caravan Insurance

The Complete Guide To Caravan Insurance


Let's face it, when you buy a caravan it becomes your home away from home. Whether you're cruising the coastline or camped out in the countryside, it's your ticket to adventure and relaxation. But what happens if the unexpected strikes? That's where caravan insurance comes in, providing peace of mind and ensuring your getaways stay worry-free.

In this guide, we'll cover:

  • What is caravan insurance?
  • Do I need caravan insurance?
  • Does my car insurance cover towing a caravan?
  • What does caravan insurance cover?
  • How much does caravan insurance cost?

What is caravan insurance?

Caravan insurance is a type of policy designed to cover your caravan or touring vehicle against accidental damage, theft and loss. It also covers any extra equipment you use with your caravan such as awnings, towbars and satellite dishes. You can also opt for additional extras such as breakdown cover and personal accident insurance.

Do I need caravan insurance?

In the UK, the law requires that you have at least third-party insurance when towing a caravan to protect any other people or property that may be involved in an accident.

While caravan insurance itself isn't a mandatory legal requirement, it provides peace of mind that if something unfortunate happens, you won't be left out of pocket. Without it, you could find yourself liable for the cost of repairs or replacements should something happen to your vehicle. As with most types of insurance, it is better to be safe than sorry.

Does my car insurance cover towing a caravan?

Most regular car insurance policies don't provide cover when you're towing a caravan. You need to take out a separate policy to cover any damage that may occur during transportation.

Most basic car policies do not include cover for towing a caravan. However, most insurers will offer this as an optional extra for an additional premium. It's important to check your policy documents carefully before setting off on any journey to make sure you have the right level of protection in place.

What does caravan insurance cover?

Caravan insurance policies typically cover the physical structure and contents of your vehicle, as well as any equipment used with it such as awnings and tow bars. It also usually covers you for accidental damage, theft, fire and vandalism. Most policies will also provide liability protection in case someone is injured or property is damaged due to something you've done (or failed to do).

So, to summarise, caravan insurance policies typically cover:

Your caravan's structure and contents: From accidental bumps to fire and theft, your vehicle is protected.

Additional equipment: Awnings, towbars, satellite dishes – they're covered under most policies.

Personal belongings: Keep your clothes, gadgets and other essentials safe while on the move.

Third-party liability: Rest assured you're covered if you accidentally damage someone else's property or injure someone while towing.

Loss of use: If your caravan is damaged and unusable due to an insured event, the policy may cover alternative accommodation costs.

How much is caravan insurance?

The average cost of touring caravan insurance starts from around £200 per year for a caravan valued at £20,000.

However, the cost of caravan insurance varies depending on several factors, which include:

  • The value and age of your caravan: Newer, more expensive models typically cost more to insure.
  • Your level of coverage: Comprehensive cover offers broader protection but comes at a higher premium.
  • Your security measures: Discounts are often available for installing alarms, trackers and wheel clamps.
  • Your driving history and claims experience: A clean record can lead to lower premiums.

The more you spend on your policy, the higher level of cover you will receive.

Getting the Right Cover:

Don't settle for the first quote you see! Shop around and compare policies from different providers. Be clear about your needs and ask questions to ensure you get the right level of protection.

Top Tips

  1. Read the policy wording carefully: Understand what's covered and what's excluded.
  2. Declare any modifications or customisations: This ensures accurate coverage and avoids claim disputes.
  3. Review your cover regularly: Your needs and circumstances may change over time.

If you're planning on taking your vehicle away for a leisurely break, make sure you've got the right level of cover in place so that you can enjoy your holiday without any worries. By taking out a comprehensive policy today, you'll be protecting yourself from all sorts of eventualities and making sure that your caravan stays safe no matter what.

We can help you choose the right towbar for your vehicle so that you can trust to have your towbar fitted at a time and place that suits you. Find a towbar and book your fitting now.



On Friday 23rd February Karin Smyth MP, who has been one of the lead figures backing the campaign for #TOWSAFE4FREDDIE, visited our Approved Fitting Centre in Bristol to learn about VSK electrical kits and safe towing practices.

Karin has been at the forefront of the progress bei...