Caravan Insurance Comparison
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Caravan Insurance Comparison
Caravan insurance often doesn’t come cheap, which is why you should shop around for the best caravan insurance deals before you sign on that dotted line. Luckily Tiger.co.uk has got you covered – we give you access to a caravan insurance comparison service designed to help you discover roaring great deals from a wide range of caravan insurance specialists.
How much does caravan insurance cost?
There’s no easy answer to that question, because your caravan insurance quote will depend on a wide range of different variables, many of which are unique to you.
For instance, your location, the crime rate in your area, the type of caravan you’re insuring, where you intend to take that caravan, whether or not you’ve had caravan insurance before and whether or not you’ve claimed on that insurance in the past can all influence the cost of your caravan insurance.
An easy way to find out how much caravan insurance will cost you is to compare real quotes from real providers.
Are touring caravans cheaper to insure than static caravans?
It’s not a hard and fast rule, but many smaller touring caravans have lower market values than static caravans, which does mean the smaller models are sometimes cheaper to insure.
Does caravan insurance cover the contents of my caravan too?
Yes, many caravan insurance policies do include contents cover as standard, particularly if you’re insuring a static caravan.
However, even if your policy does include contents cover it’s important to remember that your contents will only be covered in the event of a burglary or theft if your caravan was securely locked at the time of the crime.
Coverage Levels and Policy Elements
Insurance policies for motorhomes are typically structured in a similar fashion to car insurance, with coverage for third party damage as standard. Optional extras include theft and fire coverage, and comprehensive coverage, as with car insurance.
For caravans, including touring and static caravans as well as trailer tents and folding campers, the insurance is structured differently. These policies don’t include third party insurance as standard, but do usually include coverage for loss due to theft, fire, and criminal activity.
If I’m insuring a touring caravan will I be covered if I take it abroad?
That depends on the particular policy you take out – some may include European Cover as standard, while others will allow you to add this to your policy as a paid add-on.
Is it true that static caravan insurance is mandatory?
If your static caravan is located in a managed caravan park it is possible the park may have a clause that requires caravan owners to insure their caravans, so it’s important to double check the small print for this.
How can I find cheap caravan insurance?
Securing your caravan is one of the most important considerations, so it might be worth installing additional security features like alarms and window locks.
It’s also vitally important that you shop around by comparing different caravan insurance specialists, rather than accepting your renewal quote.
Paying for your policy on an annual basis could also result in cheaper caravan insurance, and you can sometimes get discounts on your policy if you’re a member of a caravan club.
Which caravan policy fits your caravan?
Start with how the caravan is used, because insurers treat a towed tourer, a sited holiday static and a home you live in as very different risks. Find your row, then follow the link for the detail.
| Your caravan | Cover to look for | Read more |
|---|---|---|
| A tourer you tow to sites and store between trips | Touring cover with storage and security terms that match your set-up | Touring caravans |
| A tourer left on one site for the whole season | A touring policy that accepts a seasonal pitch, with the site address declared | Seasonal pitches |
| A static on a holiday park | Cover for the caravan, contents, decking and liability to others | Static caravans |
| A static, lodge or park home you live in | A residential policy written for a main home | Mobile homes |
| A trailer tent or folding camper | Specialist cover for the unit, its awning and camping kit | Trailer tents |
| A motorhome or campervan you drive | Motor insurance, because it is a road vehicle in its own right | Motorhomes |
What to line up when you compare caravan quotes
Two quotes at a similar price can pay out very differently after a claim. Put these terms side by side before you decide.
| Term on the quote | Why it matters | What to check |
|---|---|---|
| Valuation basis | Decides whether a total loss pays for a new caravan or for today’s value | New for old or market value, and any age cut-off |
| Contents limit | Belongings inside often sit under a separate cap | The total limit and the single-item limit |
| Awning and extras | Awnings, motor movers and solar panels may need declaring | Whether they are inside the sum insured |
| Security conditions | A theft claim can fail if a named device was not fitted or used | Which locks, clamps or trackers are listed |
| Storage | Many policies name where the caravan must be kept | Home, storage site or park, and the postcode |
| Use abroad | European cover may be capped by days per trip or per year | The territorial limit and the day count |
| Excess | The amount you pay towards each claim | Compulsory plus voluntary, and any separate theft excess |
Tiger.co.uk sends one set of details to 8 or more caravan providers through a single short form. You can line up these terms without starting again for each insurer. Cover and prices vary, so read each policy summary before you buy.
New for old or market value: which suits your caravan?
New for old cover pays for a new caravan of the same or a similar model if yours is stolen or written off. Market value cover pays what your caravan was worth just before the loss.
Each insurer sets its own age limit for new for old, so a caravan that qualifies with one provider may not with another. If yours is nearly new, check how many years the new for old promise lasts.
| New for old | Market value | |
|---|---|---|
| Payout after a total loss | The cost of a comparable new caravan | The caravan’s value at the time of the loss |
| May suit | Newer caravans you plan to keep for years | Older caravans, or owners keeping the premium down |
| Watch for | Age limits and proof of purchase | How the insurer works out the value |
Situations that change your caravan premium
The same caravan can cost more or less to cover depending on what is going on in your life. These are the situations owners most often need to tell an insurer about.
You have just bought a second-hand caravan
Arrange cover from the day you collect it, so the tow home is protected. Have the chassis or VIN number, the price you paid and the seller’s details to hand.
You keep it on your drive
Tell the insurer it lives at home and list the security you use. Some policies set extra rules for caravans kept at home, such as a hitch lock and wheel clamp whenever it is left.
It stays on a seasonal pitch
A tourer left on one site all season faces different risks from one that moves every weekend. Our touring caravan page covers what to ask before you leave it on site.
You are heading abroad
All UK vehicle insurance gives the minimum third party cover to drive in the EU, according to GOV.UK. Theft of or damage to the caravan abroad depends on your caravan policy, so check its European cover before you book the ferry.
You let your static to holidaymakers
Paying guests change the risk, and owner-only cover may not respond to their claims. See our static caravan page for letting cover and loss of rental income.
Your checklist before you get a quote
Gather these details first and the form takes a few minutes.
- Make, model, year and length of the caravan
- Chassis or VIN number
- What you paid, when you bought it and what a replacement would cost now
- Where it is kept: home postcode, storage site, or park name and pitch
- The security fitted, such as hitch lock, wheel clamp, alarm or tracker
- The value of contents, the awning and extras like a motor mover
- How often you tow it, and any plans to take it abroad
- Any claims or losses on caravan cover in recent years
- Membership of a caravan club, if you have one
Ian Wilson, Managing Director at Tiger.co.uk, says: “Read the storage and security conditions on a caravan quote before you look at the price. Those conditions decide whether a theft claim can be paid.”
Which caravan insurance is best for me?
The best fit depends on the type of caravan, where it is kept and how you use it. Compare the valuation basis, contents limit, security conditions and European cover on each quote as well as the price.
How do I compare caravan quotes online?
Fill in one form with your caravan’s details, its storage address and the security you use. You can then compare cover levels, excesses and limits from several providers side by side.
Is caravan insurance a legal requirement in the UK?
Not for the caravan itself. The car that tows it must have at least third party motor insurance, which GOV.UK describes as the legal minimum on UK roads. A holiday park may also ask for cover in your pitch agreement.
Do I need a green card to take my caravan abroad?
Not for the EU, Ireland, Norway, Switzerland and the other countries GOV.UK lists. Where a green card is needed, such as Turkey or Albania, you carry one for the car and a second one for the caravan.
Can I get caravan cover for a seasonal pitch?
Some touring policies cover a caravan that stays on one site for the season. Give the insurer the site address and check the conditions on security and the gaps between your visits.
Is my motor mover covered by caravan insurance?
It can be, if you declare it and include its value in the sum insured. Some policies treat a motor mover as part of the caravan and others list it as an extra, so check the wording and the theft conditions.
Ready to see what fits? Compare caravan insurance quotes with Tiger.co.uk using one short form. Our big cat does the legwork, and you choose the cover. Planning a towing holiday? Look at breakdown cover for the car and caravan, and travel insurance for the people inside it.
Fact-checked by Ian Wilson, Managing Director at Tiger.co.uk. 20+ years in price comparison; MEng, Queen’s University Belfast.