Caravan Insurance Guide
Get the correct Caravan Cover today
This excellent Caravan Insurance Guide
has been created to help the British general public learn more about which type of caravan insurance is best for them. It also includes fantastic hints, tricks and money saving tips.
Millions of people throughout the UK love to use a caravan on a regular basis, whether that’s a touring caravan, static or motorhome. As you would expect there’s different levels of protection needed for each type.
In the UK there’s around half a million touring caravans, 350,000 holiday homes and around 200,000 motorhomes. Each year Britons’ spend more than 51 million nights in a caravan. As you can see getting the right level of cover is paramount.
Do I need Caravan Insurance?
It’s always recommended to purchase caravan insurance, not just to cover your own needs, but in case you injury somebody or damage their property. Generally, most insurance companies will offer three different types of policies these are:
- Third Party Only – This is the most basic level of cover you can purchase. It will not cover any damage or replacement for your own caravan and belongings, it will only cover any injuries or damage you cause to a third party.
- Third Party Fire and Theft – TPFT will include everything that third-party only covers, as well as damage from a fire or theft of a caravan.
- Comprehensive – This is the highest policy you can purchase and generally is recommended for most people if their budgets allow. This will cover a whole host of different features ranging from repairs, cover of personal belongings, theft, fire, replacement transport, salvage, breakdown recovery and so on. As each insurer offers different plans, it’s always a good idea to compare caravan quotes to see which one suits your requirements the best. Click Here to read more about comprehensive Caravan Insurance in the UK
You may find that you will not be allowed on certain caravan parks if you do not have at least third-party only cover.
Before you agree to any policy remember to read all of the caravan insurance documentation and check your own car policy if you have a touring caravan. Sometimes you may find that you’re already covered for third party claims when towing. However, this is not normally a ‘standard’ feature, so for most people it won’t be the case.
In addition to this, if you plan to take your caravan or motorhome on a trip abroad then you may need additional coverage when touring in Europe. Sometimes even when purchasing comprehensive insurance, cover in European countries will not be included as standard. That’s why it’s always worth reading the small print to make sure any quotes fulfill your needs.
Different Types of Caravans
There’s lots of different caravan’s and motorhomes in Britain, let’s explore each one and see how the insurance may be affected in each scenario:
- Touring Caravan – Typically you will need separate insurance for a touring caravan even when it’s being pulled behind a car. Sometimes you may find that your insurance will cover towing trailers and caravans, however they will only be protected for third-party only. This means should you have an accident on a UK road and your caravan is damaged, your car insurance will not cover any repairs or replacements. This is why it’s always recommended to purchase comprehensive insurance if your budget can allow, so you have the highest level of protection.
- Static Caravan – Usually most static caravans will require on site insurance. This will be stated in any caravan park terms and conditions. Static caravan insurance will cover things such as accidental damage, theft and fire. It can also cover your static home if you transfer it to a new site. To make sure this applies to you, always read your policy documentation beforehand to make sure you’re covered.
- Trailer Tent / Folding Camper – You may find that a folding camper or trailer tent can be a challenge to insure. This is because they tend to be easy to gain access; thus the chances of a theft occurring can be greater than a ‘solid body’ caravan. However, with this in mind, you should certainly obtain a policy, as you will be using them on British roads. It’s always better to pay a little more knowing your covered should the unthinkable happen.
- Motorhome – Insuring your motorhome is a legal requirement in the UK. Please Click Here to read our full Motorhome insurance guide in more detail.
Comprehensive Caravan Insurance UK
If you can afford it, it’s always recommended to purchase comprehensive caravan insurance. This may be the most expensive, however it will give you the most protection should the unthinkable occur.
As policies and insurance quotes vary massively depending on the provider you should read carefully all of the features offered so you can get the best deal for your requirements. Make sure that you read all of the terms and conditions before signing or agreeing to any policy, and also make sure you’re aware of any additional charges which may be payable.
Most decent caravan quotes will include the following as standard:
- Accidental Damage
- Agreed Value
- Awning Cover
- Breakdown Cover
- Emergency Accommodation
- Emergency Recovery / Salvage
- European Cover
- Family and Friends Cover
- Fatal Injury Cover
- Loss or Stolen Personal Belongings
- Public Liability
- Repatriation to the UK
- Theft Cover
- Weather Damage
Although this list above is not extensive, it should easily cover most people’s needs in the UK.
You should double check any policy quotes and may sure these features do not carry any additional charges.
Exclusions on Caravan Cover
As each insurance company is different, you may find that some have ‘exclusions’. Remember to read all documentation and terms and conditions before you agree to a quote and keep a copy of the policy with you as you travel.
Some policies may include exclusions such as:
- Your caravan cannot be used as a main residence
- Your caravan cannot be used as a business, trade or profession
- General wear and tear and deterioration may affect some policies
- Theft of personal belongings in your caravan may not be included in your insurance agreement
- Some policies may not cover for mechanical or electrical breakdown
It’s increasingly becoming more common that caravan insurers are offering discounts on policies when owners are improving their caravan security.
This can include many different features such as:
- Thatcham Approved immobiliser and alarm
- Tracking Device which is used in conjunction with the Caravan Registration and Identification Scheme
- Corner Steady Lock – This will lock the rear corner of touring caravans so the front can’t be raised and hitched onto another vehicle when a theft is in progress
- Wheel Clamps and Hitch Lock
A part from the caravan itself, it can also be a good idea to consider the security when it’s parked on a driveway. For example, some insurers look flavourably if there’s CCTV coverage or additional safety features such as a security pole which needs removing with a key.
Europe Caravan Insurance
Who doesn’t want to explore Europe in more detail? After all, caravan holidays are an extremely popular leisure activity but we’re a pretty small island compared to mainland Europe. If you plan to go abroad with your touring caravan then you will need the correct level of protection before you set off on your journey.
You will find that many mainstream caravan insurance companies will offer basic European travel as standard. This tends to only include third-party cover and doesn’t really help you should you be involved in an accident.
If you can afford it, you should always purchase a comprehensive policy, which includes cover for the whole of Europe.
While this will cost more than third-party only policies, it will certainly provide more value for money should a disaster happen. After all, if your caravan needs major work and you don’t have the right form of cover. It can be pretty difficult to find the correct garage or breakdown recovery team when you’re in a foreign country.
A part from the logistics of recovering and removing your caravan, think of the cost. Some parts can be expensive and this will certainly hit your wallet. Most decent comprehensive policies will cover all of this and more.
In addition, it’s also important to note that some insurers will have ‘set limits’ for the amount of time you can spend away from the UK. This means if you plan to travel around Europe for six weeks, your caravan insurance policy may only cover you for 30 days.
Remember to read the entire provider terms and conditions before agreeing to any quote.
Keep in mind
– you will also need travel insurance before leaving the UK. You can get a FREE European Health Insurance Card
, which allows you access for emergency medical treatment. However this should never be used in replacement for travel, insurance. It’s designed to supplement and policies you may have.
Caravan Insurance Money Saving Tips
We all want to save money where we can, here’s some great caravan cover money saving tips! Some of these ideas may come in useful to you, and may reduce your premiums too.
- No Claims Bonus – Just like car insurance, you can build a good no claims discount over several years. While this may not help people when they’re just starting out, it can be good thing to remember when renewal time comes around.
- Security – A part from the standard security features included when manufactured, it can be a good idea to consider other elements that may help your policy prices. Some insurers look favourably on owners who have invested in higher levels of security, as they perceive the chances of theft less likely. However, you should note that you would have to consider whether purchasing additional security items will cost more than any potential insurance costs you may save. Sometimes, you will find that your initial outlay won’t be recouped, however this obviously varies depending on individual circumstances.
- Caravan MOT – Although MOT’s on caravans are not a legal requirement it could be a good idea to see your local caravan centre and ask them to give your caravan a check over. Sometimes if the garage provides a certificate showing a check has been carried out, this can decrease insurance quotes.
- Advanced Courses – You may find that taking an advanced driving course could bring your premiums lower. This will demonstrate to insurers that you’re a competent and well skilled driver, who is alert to the road and any dangers it may present. Courses can range in price, you may find a course which specialises in towing trailers and caravans useful.
- Caravan Clubs – Sometimes insurance providers will offer discount if you’re a member of a caravan owners group or a caravan club. Usually it’s best to check what type of discounts are being offered and how they compare to individual quotes you may have obtained.
Original Publication: 19 June 2017
Last Updated: 19 June 2017