Unlike car insurance, caravan insurance is not legally required. However, the protection it provides is a welcome relief in the event of an accident. There are two main coverage types to consider when comparing caravan insurance: Static and Touring. It’s a common mistake to assume that caravan insurance applies to motorhomes; it is a different kind of insurance.
Static caravan owners often prioritise slightly different areas of cover. Some of this is obvious, as static caravans won’t be in road traffic accidents. Some may be less obvious. For example, many home insurance policies protect the contents of your touring caravan while it’s parked at your home. However, the contents of a static caravan will not benefit from this.
Because of location, you might prioritise fire, flood, or other covers when you compare caravan insurance.
If your caravan and car weigh over 3,500 kg combined, they may not be road-legal. This can invalidate your insurance while on the road, so you may wish to avoid it!
Your car handbook and caravan documents should tell you their weights.
Typical exclusions for caravan insurance include:
If you’re concerned about any of these, check your policy to avoid these exclusions.
Investigate if the insurance policy includes coverage for emergency repairs, which can be critical for static and touring caravans that might encounter unexpected issues.
Consider whether the policy provides replacement cost coverage or the actual cash value of the caravan in case of a total loss, which can significantly affect reimbursements.
Check if the policy includes public liability insurance. This will protect you against claims if someone is injured or their property is damaged by your caravan.
Examine if the policy is adaptable for seasonal or occasional use, which can affect coverage levels and premiums for caravans not used year-round.
Fill out the linked form for a selection of quotes tailored to you. Make sure you take the time to read all the best offers and pick out the policy that’s best for you.
Please Note: SEOPA provides this caravan insurance comparison tool for your use. Insuro.co.uk is not responsible for the contents of the comparison you receive. The information contained within this page is for editorial purposes only and is not intended to be financial advice.
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