Why do you need caravan insurance?

less than 1 min read
30th September 2022

Why do you need caravan insurance?

Why Do You Need Caravan Insurance?

Legally you don’t need insurance for your caravan, but it’s sensible to consider it in order to protect your investment.

Remember caravans are not covered under a car insurance policy - if you cause a traffic collision and your caravan’s damaged, you’d pay to replace or repair it.

If the accident wasn’t your fault, the other driver’s insurance might pay for the damage because they have third-party liability. However, every car insurance policy’s different and cover isn’t guaranteed.

Caravan insurance, on the other hand, will offer cover for you for these scenarios, plus cover for theft and damage, whether your caravan’s static or attached to the car.

What does it cover?

When looking for Caravan insurance you consider what could go wrong and look at policies that cover things like fire, theft, accidental damage, and weather damage.

Besides the basic cover, you can also look at the optional add-ons like personal possessions cover and camping equipment cover to tailor the product to your needs.

A caravan insurance policy could cover you for the following:

Theft: If caravan’s detached and stolen parked outside of your home, campsite, or caravan site.
Internal damage: Cover if the inside of the caravan is damaged following an accident, for example a leak
External damage: If the caravan suffers external damage while its being towed or parked.
Third party liability: If a member of the public gets injured, or the caravan causes damage to property after an accident, your insurance covers you against their claims

Your main home contents insurance may offer some cover for possessions in your caravan but this will depend on the level of cover you have so best to check with them.

What’s the difference between a touring and a static caravan?

Touring caravans are towed by a vehicle, while static caravans are permanent structures, usually kept on a caravan site where you have amenities like shops and cafes.

Touring caravans shouldn’t be confused with motorhomes either. Both have living quarters on board, but caravans are towed, while motorhomes are driven.

Because motorhomes have a cab and engine attached, they're vehicles, so you need specialist motor insurance for them.

Compare Caravan Insurance

Our range of caravan insurance policies offer you peace of mind that your tourer or static home has adequate protection. This leaves you free to either hit the open the road and enjoy the freedom that caravanning offers, or put your feet up and relax, knowing that your mobile home is covered.

We offer various levels of protection, so you choose the elements of caravan cover that are most important to you.

Via our panel of specialist caravan insurance providers, we can help you access a number of suitable insurance policies – leaving you free to cherry pick the cover that most meets your requirements in terms of the insurance offered and your budget.

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