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 types of caravan insurance; Static caravan insurance and Touring caravan insurance. It’s a common mistake to assume that caravan insurance applies to motorhomes. In fact, motorhome insurance is a separate kind of insurance.
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Static caravan owners often prioritise slightly different areas of cover. Some of this is obvious – a static caravan 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.
The contents of a static caravan will not benefit from this.
Depending on location, you might prioritise fire, flood, or other cover.
If your caravan and your car have a combined weight of over 3,500kg you may not be road-legal. This can invalidate your insurance while on the road – something you likely wish to avoid!
Your car handbook and caravan documents should tell you their weights.
Common exclusions to caravan insurance include:
If you’re concerned about any of these, check your policy thoroughly to avoid these exclusions.
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