Caravan Insurance

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Whilst insuring your caravan isn’t necessary, insurance can be helpful to have. It can protect it against certain events whether that be damage to the trailer or in the event it gets stolen. Insurance provides peace of mind, so it’s worth getting it if you can.

How much does caravan insurance cost? What should you look for in a caravan insurance policy? Here at Utility Saving Expert, we’ll cover all that and more – helping you make a decision on whether taking out insurance is right for you and your needs.


What Is Caravan Insurance?

Why Do I Need Caravan Insurance?

What Is Covered with Caravan Insurance Cover?

When choosing caravan insurance, it’s important to be aware of what types of insurance are available and how this might influence your decision-making. There are some insurances that will cover more and others that might only cover the bare minimum. This is down to the insurance company and how much you’re willing to pay.

What is covered in a standard insurance policy when it comes to caravan insurance?

Theft

Theft

No one wants to wake up to find that their caravan has gone walkabout but it can happen. Theft still happens and with caravans, a lot of them can fetch a high price when selling them offline or online.

If the caravan’s been detached from your car or removed from the static position it was in and is nowhere to be found, then most insurance providers will offer theft cover. At a time that might be particularly stressful, it can be helpful knowing that you’re covered should any theft happen.

Internal damage

Internal damage

Internal damage can be any number of occurrences such as a leak that’s been found and has caused additional damage. It’s the type of damage that’s been caused accidentally and can often happen by chance.

It’s always good to get cover for the internal areas of the caravan, especially when it comes to any furniture that you have added to the trailer.

External damage

External damage

External damage is self-explanatory and covers all of the caravan’s exterior. This might be accidental damage that has been caused whilst it’s been towed or even when it’s parked up.

A lot of damage from third parties can often happen in this instance and often when you’re not looking or you’re not within the vicinity of it. It can be good to have this insurance in place so that you can make a claim to make any necessary repairs.

Third-party liability

Third-party liability

If you find yourself involved in a scenario where a member of the public gets injured or the caravan has caused any damage to property after an accident, then this is a cover you’ll want.

It’s not always included but it’s worth adding on if you’re able to. It covers you against any claims that have been made towards you.

What Type of Caravan Insurance Do I Need?

There are different types of caravan insurance that you may wish to know more about as this can be relevant to how the caravan is used. It’s worthwhile understanding what each one provides in order to pick the right cover for you.

Touring caravan insurance

Touring caravans are those that are towed by a vehicle and can be moved from pillar to post. With touring caravans, they offer living quarters on board and due to them being mobile, they do present more of a risk.

This is the difference between this and a static caravan for example, where it’s permanently placed on a caravan site. A touring caravan is towed along by another vehicle and it’s been designed to do so. That’s why many opt for these styles of caravans if they’re a fan of holidays where it’s a home from home.

For touring caravans, they also need to be narrow enough to fit within road markings and require the right insurance. If you had an accident, for example, your car insurance may only cover the damage done to the car and not the caravan.

With that in mind, it’s worthwhile to protect your touring caravan from damage or theft. This may require a separate policy from the existing one that you have on your car.

Static caravan insurance

Static caravan insurance relates to semi-permanent structures. These are typically referred to as mobile homes. They’re often heavier and made with solid materials that aren’t as easy to move, especially when it comes to moving them from one location to another.

They’re often created for purpose-designed sites that operate a vast amount of mobile homes but also offer a range of amenities too. Whether that’s shops, restaurants or even performance venues.

Insuring this type of caravan will need you to ensure the caravan is kept on a dedicated caravan holiday site. That way, you’re not doing anything that might breach the terms and conditions of the policy.

Motorhome insurance

Motorhomes aren’t to be confused with caravans either touring or static because there’s not classed as a caravan. Due to them having a cab and engine to operate the vehicle, they’re considered to be a vehicle.

However, motorhome insurance is different to a standard car insurance policy. With that in mind, it’s a good idea to take a look at some motorhome insurance providers to see what best suits your needs.

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Types of Caravan Insurance Cover

There are two different types of caravan insurance cover that you can utilise. These are new for old cover and market value cover. Let’s take a look at what these mean and how they might influence your decision.

New for old cover

New for old cover

For a caravan that is at a total loss – think damaged beyond repair or it’s been stolen – then this cover will help ensure you get a new unit to replace the one that you lost.

It’ll be the equivalent when it comes to your old caravan. This can also apply to any personal possessions or caravan equipment that you had and that needs to be replaced brand new too.

Market value cover

Market value cover

With market value cover, you’ll only be compensated on the current value of your caravan at the time of its loss. So if it’s 10 years old or just a year old, you’ll be paid out accordingly.

This may be challenging when you need to replace it with a new model that’s likely going to cost a lot more money. However, it’s a more cost-effective cover in comparison to the new for old cover.

What Are the Typical Caravan Cover Exclusions

How Much Does Caravan Insurance Cost?

The cost of caravan insurance will vary depending on the type of caravan you have, the purpose of the caravan and whether it’s a touring caravan or a static caravan. There are also some personal circumstances that affect the cost too.

As a ball-park figure, you can be looking at anything on average from £145-£292 depending on the caravan type.

Factors that affect the cost of caravan insurance

There are a number of factors that could affect the cost of your caravan insurance. This could be the site it’s on and the level of security you have. It can also be influenced by the make and model, the age of the caravan and the condition it’s currently in.

Your caravan insurance policy might be tailored specifically if you live in it and what other insurance you may have in place already, such as car insurance.

How Can I Reduce the Cost of Caravan Insurance?

Build up a no claims discount

By not claiming, you can build up a no claims discount that helps shave off a bit of the cost that comes with insurance premiums. The longer the bonus, the better the discount you’ll get.

Improve security

When it comes to security, the more the better! Think wheel clamps, alarms and window locks as just a few features you can add. This will work in favour when it comes to getting more affordable insurance providers.

Secure storage

Where you store the caravan is also highly important and can influence the affordability of your policy. To lower costs, make sure you’re keeping your caravan in a secure site or at a storage facility where possible. Another tip is if the site is owned by Caravan Storage Site Owners’ Association (CaSSOA), this should assist in lowering your premiums.

Compare caravan insurance quotes

Always compare insurance quotes and providers, just like you would do with car insurance. It’s best to get a full landscape of the market. This will help you find the best insurance for you and your needs.

Policy add ons

Make sure that you’re not getting sold on too many optional extras that will hike up those premium payments. However, it’s important not to skimp on the cover!

Club membership

Some insurers offer discounts for those who are members of the Camping and Caravanning Club or the Caravan and Motorhome Club.

If you’re wanting to reduce the cost of caravan insurance, then this can be done so with the right guidance. Here are just a few tips on how you can reduce the cost of caravan insurance.

Why Compare Caravan Insurance with Utility Saving Expert?

When looking for car insurance or any type of insurance for your home or personal possessions, be sure to check with Utility Saving Expert before making any commitments. We help our customers find the best caravan insurance quotes for their needs so that they can move forward with confidence, knowing that their property is protected.

When you compare insurance quotes with us, you’re guaranteed to get the best deal – at the best price.

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What is the difference between touring and static caravans?

Touring caravans are mobile, meaning they can be taken from one campsite to another. They can also be driven on the road, making them the ideal solution as a home on wheels for your next family holiday.

Static caravans are permanent structures and although can be moved, the logistics and actual moving will need to be done in parts and driven by a bigger vehicle. For the most part, they’ll remain on a site for their entire lifespan.

Can I take my caravan abroad?

Of course! It’s important to be aware that there are various rules and regulations around caravans and motorhomes when it comes to travelling abroad. It’s worthwhile reading up on what’s required because usually, you’ll need additional documentation. This is particularly in the case of you towing a caravan via your own car.

You may also want to check your policy to ensure travel abroad is covered, should you run into any problems with the caravan on foreign soil.

If I live in my caravan, will I be covered?

Many people choose to live in a caravan over a permanent structure like a brick and mortar property. This is due to the affordability that caravans offer as you don’t have to make mortgage payments and your bills aren’t likely to be so high either.

With that being said, you can be insured when living in the caravan permanently but this requires a specialist type of insurance that’s worth looking into.

Is caravan insurance a legal requirement in the UK?

No, it’s not a legal requirement to have caravan insurance. Whilst it’s not legal, it’s still very much useful to have insurance in place. This can provide peace of mind and financial protection over what can be an expensive property to invest in.