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Caravan Insurance

Why Use Quotesearcher

  • No need to shop around to find the best policy
  • One stop shop for all your insurance needs
  • Only deal with leading UK insurers

Buying a caravan is a big investment, and certainly not something done on a whim. Although not legally required by UK law, we would still recommend taking out a caravan insurance policy. It protects you and your caravan in case of an accident or an act of malicious damage, giving you pure peace of mind whether you are on a journey or your caravan is parked up somewhere.

Types of Caravan

Caravans are available in a variety of shapes and sizes. Some of the most popular types being:

  • Touring Caravans
  • Static Caravans
  • Trailer Tents

It is important you tell your insurer the correct type of caravan you own, otherwise your insurance could be invalid when it is time to make a claim.

Your Caravan

When applying for your policy, your insurer will require a lot of specific information about your caravan in order for them to calculate your correct premium price. Without this information it will be impossible for them to give you an accurate quote.

We have compiled a list of the most common things insurers ask for to make sure you have all the necessary correct information:

  • Make and Model
  • Number of bedrooms/berths
  • Size of the caravan
  • Age
  • How you use it
  • Caravan’s security level
  • Details of where you store it
  • Security levels at the storage location

Touring Caravan

If you have a Touring Caravan, your insurer will ask for additional information regarding the following:

  • Vehicle Service History
  • Single or Twin Axle
  • Advanced Driving / Towing Qualifications
  • Personal Driving History

Policy Features

When it comes to insurance, people often make one of two common mistakes; they either over-insure or under-insure themselves. The former just means that you are paying for policy features which you do not need, the latter means you do not have sufficient cover so when it is time for you to make a claim your policy might not even pay out.

As with any type of vehicle insurance, there are 3 levels of cover available:

  • Fully comprehensive – covers damage to your own vehicle and covers you in situations where you are the one at fault
  • Third party only – covers any damage you cause to the property of a third party or any injuries they incur
  • Third party, fire and theft – the above, with the addition of damage caused by fire or theft

Here is a list of the most common features in a caravan insurance policy to help you get exactly the right amount of cover you need:

  • Accidental damage
  • EU cover
  • Legal expenses – up to £100,000
  • Lock and keys cover – up to £500
  • New for old replacement
  • Personal accident cover
  • Recovery and redelivery
  • Storm and flood damage
  • Worldwide cover

Policy Exclusions

As with any insurance policy, there are certain things which your insurer will not cover. These vary depending on your provider, but some of the most common exclusions on a caravan insurance policy are:

  • Awnings
  • Mechanical and electrical breakdown
  • Mildew
  • Storm damage
  • Trade use
  • Unforced entry – if someone has been able to enter your caravan without using force because a door or window was left unlocked
  • Use as a permanent residence
  • Valuables – this includes items such as jewellery and electronics
  • Vermin infestations or damage
  • Wear and tear

Caravan Site Security

This is especially applicable to static caravans. Your insurer will ask:

  • Does the site have fences?
  • Is there a security guard?
  • Are there gates?
  • Is CCTV installed?

We recommend you keep your caravan parked in a secure compound if possible. There is a full list of locations available at the Caravan Storage Site Owners Association website.

Reduce your Premium

In the UK alone, over 4,000 caravans are stolen every year, which affects the price of insurance premiums. Caravan insurance may not be cheap, but there are steps you can take to help bring down the price of your premium, mostly focused around making your caravan more secure:

  • Alarm – from flashing lights and a warning sound, to modern security systems controlled remotely by smartphone, any sort of alarm is going to act as a deterrent to any would be intruders.
  • Corner steady leg locks – corner legs are used to steady stationary caravans and trailers. Leg locks immobilise them so thieves cannot easily tow your caravan away.
  • Hitch lock – this is a cover which prevents your tow bar from being attached to another vehicle. These come in a variety of shapes and sizes, so be certain you have the correct size for your hitch.
  • Locking wheel nuts
  • Tracker – nowadays trackers are not just something reserved for the rich. They can be picked up relatively cheaply, and are an effective way to trace your caravan if a thief does strike. It is worth getting one approved by Thatcham’s or Sold Secure, as often your insurance provider will need to see it is of a certain level of quality.
  • Window locks – some insurers will require you to fit a certain brand of window lock or one that can guarantee a certain level of security, otherwise it will not count towards reducing your premium.
  • Wheel clamps – these will make your caravan impossible to simply tow away

Fill out our Caravan Insurance Form and Quotesearcher will find you the best insurance policy for your Caravan today!

Why Use Quotesearcher

  • No need to shop around to find the best policy
  • One stop shop for all your insurance needs
  • Only deal with leading UK insurers