Caravan Insurance: The Most Frequently Asked Questions

December 12th, 2019

Read the most frequently asked questions about caravan insurance; see the answers, compare quotes and find the best deal to suit you.

Is caravan insurance necessary?

It is a legal requirement to insure your car when on the road but towed insurance for a touring caravan is not compulsory.

However, it is wise to consider theft and other risks; if your caravan was damaged or lost could you bear the cost of replacement or repair? Find out more in our beginners’ guide to caravan insurance.

Are there various options for caravan insurance?

The 3 most common types of caravan insurance are the following:

  • Static caravan insurance: caravans in a fixed location, such as a holiday park
  • Touring caravan insurance: features often cover new-for-old and European cover
  • Trailer tent and folding camper insurance: cover is usual for new-for-old, European cover, cover for weather damage to awnings and year-round touring and storage.

Is there anything I should consider specifically for caravan insurance?

Factors such as who will be using your caravan, for what purpose and how often, may affect your policy. Think about cover for:

  • Storm damage
  • Family and friends
  • European
  • Accidental damage
  • Valuables and awning

Is there a test for caravan towing I need to pass?

If you passed your car driving test on or after 1 January, 1997, and you are planning to tow a caravan or trailer, you may be required to take a secondary driving test known as the B+E test. You can find out more here: guide to towing.

What exclusions apply on caravan insurance?

It is a good idea to check the Terms & Conditions of your policy; some useful items to consider are:

  • Mildew damage
  • If the van is used as a place of trade
  • Restrictions on the age of your van
  • Mechanical and electrical breakdown
  • Contents cover if there is no forced entry
  • Vermin damage
  • Wear and tear

Are there any ways I can make my caravan more secure?

There are some ways of improving your caravan security that are worth considering and could lower your premium:

  • Install a Thatcham-approved alarm
  • Clamping the wheels of your caravan when not in use
  • Use a hitch lock on your tow bar when it is not in use
  • Fit security tags and use corner steady locks to lock down the rear corner of touring caravans
  • Install a tag or tracker to your caravan

If I spend long periods of time in my caravan, how will this affect my home insurance?

If you spend more than three weeks away from your primary home in one period, it is best to check with your provider. You may be wise to consider specialist unoccupied property insurance.

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