Caravan Insurance Quotes
Despite caravan insurance not being compulsory, you will often find it is covered under a standard motor policy for towing risks. However should you require a higher level of protection or more specialist cover, then click through to obtain an affordable caravan insurance quote today.
Click through on the ‘Get a Quote’ button above to compare caravan insurance quotes from many of the leading UK caravan insurers, and obtain the most suitable cover and protection you require. The Quotezone click and compare service is entirely free to use. It is a totally independent and impartial insurance comparison site, already helping over 1 million drivers across the UK to get the best deal.
Top 6 UK Caravan Insurance FAQs
Do I legally need caravan insurance in the UK?
No — caravan insurance isn’t a legal requirement. However, your car insurance does not cover damage to your caravan while towing, and home insurance usually only covers limited items inside. Most owners choose caravan insurance for financial protection.
What does caravan insurance typically cover?
Standard caravan insurance usually covers: Accidental damage; Theft or attempted theft; Storm, flood, or fire damage; Vandalism; Third-party liability (injury or property damage caused by your caravan); Optional extras may include contents cover, awning cover, and European travel.
Is my caravan covered while it’s being towed?
Only if you have caravan insurance with towing cover. Your car insurance covers third-party damage while towing but not damage to the caravan itself. Comprehensive caravan insurance fills this gap.
How is the cost of caravan insurance calculated?
Insurers look at factors such as: Caravan make, model, and age; Value and security features; Where it is stored; Your towing experience and claims history; How often you use it; Improving security (e.g., wheel clamps, hitch locks, alarms) can lower premiums.
Does caravan insurance cover me when travelling in Europe?
Many policies offer European cover, often for up to 30, 60, or 180 days a year, but it’s not always included as standard. Check your policy wording if you regularly tour the EU.
What’s the difference between touring, static, and motorhome insurance?
Touring caravan insurance: for caravans you tow; covers damage, theft, and towing risks. Static caravan insurance: for caravans permanently sited at holiday parks; covers the caravan, decking, and sometimes site liability. Motorhome insurance: a legal requirement because the vehicle is driven on public roads.
Hundreds of thousands of caravans are privately owned in the UK. The market for this type of insurance has been cornered by the larger caravan clubs who have successfully tapped up it’s members, offering them suitable policies.
The Caravan Club based in East Grinstead dominates the towed market for caravan insurance, insuring over 135,000 out of approximately 330,00 in the market. The Club has placed it’s cover with the RBS owned affinity player Devitts for more than 30 years. Devitts in turn places the business with AXA as the lead insurer, supported by NIG, Norwich Union and other Lloyds syndicates.
Despite the high profile of the policies provided through the Caravan Club, there is still a competitive line-up of UK insurers delivering low rate caravan insurance for both static and touring models. In fact, just as caravanning is a lifestyle choice and gives you the freedom to go where you like when you like, choosing your next caravan policy should be the same – research the market and shop around to locate the best deal!
Through HomeApproved you can obtain a new quotation and insure your caravan 24 hours a day, seven days a week. Some of the best insurers will offer policies with such features and benefits as those given below:
• Up to 45% No Claims Discount, Protected No Claims Bonus
• Datatag Discount, Awning Cover
• Up to 180 days European Cover, Friends and Family Cover
• Up to 20 years New for Old Cover
• Up to 100,000 Legal Expenses Insurance Cover
• Freezer Contents Cover, Loss of Keys
