We understand your needs of caravan insurance UK. Whatever type of caravan you need to insure, we will assist you in caravan insurance comparison from versatile insurance options and exceptional value for money.
We have a dedicated team of customer service professionals on hand to provide simple and courteous assistance to help you to compare caravan insurance and secure the best possible cover for your touring, static, or other business needs.
All types of static caravans, including holiday and park homes, lodges, chalets, and log cabins, are catered for. Our cover allows you to relax and enjoy your time, knowing that your unit, as well as the people and property inside, are protected from a range of hazards. See how much you may save by getting an online quote today.
Although you are not legally required to insure your caravan, it is wise to do so. Caravans are not covered by car insurance, therefore if you cause a traffic accident and damage your caravan, you will be responsible for replacing or repairing it.
If the accident was not your fault, the damage may be covered by the other driver's insurance due to third-party liability. However, each car insurance policy is unique, and cover cannot be guaranteed. Caravan insurance, on the other hand, protects you against these risks as well as theft and damage, regardless of whether your caravan is stationary or linked to a vehicle.
Fire, theft, unintentional damage, and weather damage should all be covered by caravan insurance. Aside from the basics, you may expand your policy by adding policy add-ons like personal goods cover and camping equipment cover.
Caravan insurance cover may include the following items:
Theft - If your caravan is stolen while parked outside of your home, campsite, or caravan site in the United Kingdom, you're covered.
Internal damage - If the inside of the caravan is damaged as a result of an accident, such as a leak, you're covered.
External damage - If your caravan is damaged while being towed or parked, you can make a claim.
Third-party liability - If a member of the public is harmed or the caravan damages property as a result of an accident, your insurance will cover you. Some of the belongings in your caravan may be covered by your main home contents insurance, depending on the amount of cover you have.
Insurance for touring caravans
This is for towing trailers with your car. If you are travelling with your caravan in tow and have an accident, your vehicle insurance may cover the damages to your car but not the caravan. You'll need a separate policy to safeguard your touring caravan against damage or theft. The policy may also contain public liability cover if your caravan causes damage to another vehicle or property while being towed. Finally, if you're taking your caravan on vacation abroad, it may include European cover.
Insurance for static caravans
These are treated more like a home and are insured similarly to a home insurance policy rather than a standard car insurance. You can get cover for frozen food, metered water/fuel, and lost keys in addition to damage and theft. Static caravans are normally housed on a specialised caravan holiday site. You may be needed to get insurance in order to keep your static in a certain location.
Touring caravans and motorhomes are not the same thing. Caravans and motorhomes both have living accommodations on board, however caravans are towed, and motorhomes are driven. Motorhomes are vehicles because they have a cab and an engine, hence they require specialised motor insurance.
New for old cover
If your caravan is a total loss, is damaged beyond repair, or is stolen, new for old cover will ensure that you obtain a replacement unit that is equivalent to the one you had before.
Your personal belongings and caravan equipment may also be covered under the new for old policy, in which case they would be replaced with brand new items.
Market value cover
Only the current worth of your caravan at the time of loss is covered by market value insurance. If it's over 20 years old, the insurance will pay the market rate for a caravan of that model, age, and condition.
That may make finding and affording a suitable replacement a little more difficult. However, it can be a considerably more cost-effective level of cover, especially for older caravans.
You may find that your caravan insurance does not protect you if:
You can save money on caravan insurance by doing the following things:
Increase security - Wheel clamps, window locks, and alarms are all useful items to have on hand.
Locate a safe storage facility - Increase your static's external security and discover a safe place to put a tourer.
Membership in a club - Members of the Caravan and Motorhome Club or the Camping and Caravanning Club may be eligible for savings from some insurers.
Excessive frills should be avoided - Don't skimp on cover, but don't overspend on extras you do not need.
Shop around - To locate the best caravan insurance policy for you, compare policies with other caravan insurance comparison sites.
You may also be asked the following questions if you have a static caravan: