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Caravan Insurance

Compare Quotes On Your Caravan Insurance

  • Compare caravan insurance options from specialist brokers
  • Cover for touring, static and seasonal use
  • Policies designed around storage, travel and usage
  • Get connected with brokers through one simple form
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Why Use QuoteSearcher for Caravan Insurance?

Owning a caravan offers flexibility and freedom, but it also comes with risks such as theft, accidental damage or breakdown while travelling. Having insurance in place can help protect against these risks and minimise disruption to your plans.

QuoteSearcher connects caravan owners with brokers who are experienced in arranging caravan insurance. By completing a short form, you can be introduced to brokers who will assess your caravan type and how it is used before outlining suitable insurance options.

This approach allows you to explore cover through experienced brokers without needing to compare multiple providers yourself.

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What Is Caravan Insurance?

Caravan insurance is designed to cover caravans against risks such as damage, theft or loss. Unlike standard motor insurance, caravan policies take into account that the vehicle is often towed, stored for long periods, or used as temporary accommodation.

Policies can vary depending on the type of caravan and how it is used, whether for touring, seasonal use or as a static holiday home.

Caravan Insurance Policy Features

Please note that cover will always depend on the insurer and policy selected, but common features may include:

Accidental Damage Cover

Protection against damage caused by unexpected incidents.

Legal Expenses Cover

May assist with legal costs associated with certain claims or disputes.

Lock and Keys Cover

Cover for the cost of replacing lost or stolen keys and locks.

New-for-Old Replacement

Some policies may replace your caravan with a new equivalent if it is written off within a certain period.

Recovery and Redelivery

May cover the cost of recovering and returning your caravan following a breakdown.

EU & International Cover

Optional cover for travelling with your caravan outside the UK.

Caravan Insurance Policy Exclusions

As with most insurance policies, certain exclusions may apply. These can vary between providers, but commonly include:

  • General wear and tear
  • Mechanical or electrical breakdown
  • Damage caused by vermin or infestations
  • Use of the caravan as a permanent residence
  • Unforced entry where the caravan was left unsecured
  • Certain high-value personal items
  • Trade or commercial use

Your broker will be able to explain the specific inclusions and exclusions within any policy you are considering.

Types of Caravan

The type of caravan you own will influence the insurance options available.

Touring Caravans

Designed to be towed and used for travel, often requiring cover for use on the road and in storage.

Static Caravans

Typically located on a fixed site and used as holiday accommodation, with cover focused more on property-style risks.

Trailer Tents

Lightweight and collapsible units that combine elements of caravans and tents, often requiring tailored insurance cover.

Caravans differ from motorhomes and campervans, which are self-propelled vehicles and require separate insurance policies.

caravan in nature

Ways to Secure Your Caravan

Improving security can help reduce the risk of theft and may be viewed favourably by insurers.

Alarm Systems

Visible and audible alarms can act as a deterrent to potential intruders.

Hitch Locks

Prevent the caravan from being attached to another vehicle.

Wheel Clamps and Leg Locks

Help immobilise the caravan and prevent unauthorised movement.

Tracking Devices

GPS trackers may assist in locating the caravan if it is stolen.

Window and Door Security

Ensuring all entry points are properly secured can help protect belongings inside the caravan.

Frequently Asked Questions about Caravan Insurance

    • Where can I store my caravan, and how does this affect my premium?
      Caravan insurers may allow storage on a driveway or at a recognised storage site. Location can affect premiums, as areas with higher theft or risk levels may increase costs. Brokers can explain how your storage arrangements may influence cover and pricing.
    • Do I need to tell my car insurer if I’m towing a caravan?
      Yes, it’s important to let your car insurer know if you’ll be towing a caravan. They will need details such as the caravan’s weight, how often it will be towed, and the purpose of use. This ensures your motor insurance remains valid, or your caravan can be added to your policy.
    • Who is covered when towing the caravan?
      Who is covered when towing a caravan will depend on the insurer and policy terms. Some policies may allow multiple drivers, provided they meet licence and experience requirements. Always check your policy documents to confirm who is authorised to tow.
    • Will the contents of my caravan be covered?
      Contents cover can usually be added for an additional premium. You can specify the value of personal belongings to be protected, including clothing, appliances, and other items inside your caravan.
    • Can family members use my caravan?
      Cover for family members will depend on your policy. Some insurers may allow immediate or extended family members to use your caravan, subject to terms and conditions. It’s important to check your policy documents.
    • Does caravan insurance cover accidental damage, theft, or fire?
      Caravan insurance policies may include cover for risks such as accidental damage, theft, fire, storms, flooding and liability claims. The exact cover will depend on the insurer and policy selected. Optional features, such as contents or breakdown cover, may also be available.
    • Can I get new-for-old caravan replacement cover?
      Some caravan policies may offer new-for-old replacement if the caravan is written off within a specified period. Brokers can advise on availability and any conditions that apply.
    • Are awnings, gas bottles, or other accessories covered?
      Some items, like awnings or gas bottles, may be excluded from standard cover. Optional add-ons are often available to protect these items. Your broker can confirm what is included and how to extend cover for accessories.
    • Does caravan insurance cover breakdown and recovery?
      Breakdown or recovery cover is an optional extra with most policies. This can help get you back on the road quickly if your caravan becomes immobilised, whether at home or during travel.
    • Will my caravan be covered outside the UK?
      Some caravan policies may include cover for travel within Europe for a limited period. The duration and terms vary by insurer, so it’s important to confirm the details with your broker.
    • Do I need to add a caravan to my car insurance?
      Caravans are often covered for third-party risks under your car insurance while being towed, but this does not usually cover damage to the caravan itself. Separate caravan insurance may be needed for full protection. Brokers can explain how your cover applies.
    • How can I reduce my caravan insurance premium?
      You may be able to lower your premium by taking security precautions, such as using hitch locks, wheel clamps, alarms, trackers, and secure storage. Location, caravan value, and usage also affect cost. Brokers can suggest risk management measures to help reduce premiums.
    • Is my caravan insured if I hire it out or use it for business purposes?
      Standard policies may exclude commercial or rental use. If you plan to hire out your caravan or use it for business purposes, specialist cover may be required. Brokers can advise on available options.
    • Where can I find my caravan’s CRiS or VIN number?
      The CRiS or VIN number is a unique identifier for your caravan. It’s usually found in the bottom right corner of windows in dot-matrix text or on the A-frame. QuoteSearcher does not require this number to compare quotes.

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