INSURANCE GUIDE Caravan Insurance UK - cover for touring and static caravans in 2026 |
TL;DR
- Touring caravan insurance covers the caravan while being towed, on a campsite, and in winter storage - accidental damage, theft, and third-party liability.
- Static caravan insurance covers a fixed pitch caravan (holiday home) at a holiday park against storm, fire, flood, theft, and liability.
- Motor insurance covers the towing vehicle but does not extend to the caravan being towed - the caravan needs its own cover for accident damage.
- New-for-old cover pays to replace the caravan with a new model in the event of a total loss, rather than paying the depreciated market value.
- The Caravan and Motorhome Club and Camping and Caravanning Club both offer member insurance schemes at competitive rates.
Last reviewed: June 2026
KEY FACTS | |
| Touring caravan cover | Accidental damage while towing and on site, theft, storm and flood, third-party liability, and emergency accommodation |
| Static caravan cover | Accidental damage, storm, flood, fire, theft, malicious damage, and third-party liability at a fixed holiday park pitch |
| New-for-old cover | Pays replacement cost for a new equivalent caravan - usually available for caravans up to a certain age (typically 10-15 years) |
| Towing vehicle insurance | Motor insurance on the towing vehicle does not cover the caravan - separate caravan insurance required |
| Club schemes | Caravan and Motorhome Club and Camping and Caravanning Club offer member schemes often cheaper than open market |
| Annual premium range | GBP 100 to GBP 350 for a touring caravan; GBP 150 to GBP 500 for a static caravan |
What Is Caravan Insurance?
Caravan insurance is a specialist type of property insurance covering touring caravans and static caravans (holiday homes at fixed pitches on holiday parks). It is a distinct product from motor insurance (which covers the towing vehicle) and from home insurance (which may provide very limited cover for a caravan stored at home but does not extend to use at campsites or holiday parks).
The two main categories are touring caravan insurance and static caravan insurance, which have different risk profiles and policy structures reflecting the different ways the two types of caravan are used and stored.
KEY FACTS
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Touring Caravan Insurance
Touring caravan insurance covers the caravan through its various phases of use: being towed on public roads (accident damage to the caravan itself - not covered by the towing vehicle motor policy); while pitched on a campsite or holiday park; and during off-season storage (whether at home, at a storage facility, or at a club site). Standard touring caravan cover includes:
- Accidental damage including collision damage while being towed
- Theft of the caravan and its contents
- Storm and flood damage
- Fire and explosion
- Third-party liability (injury or damage to others caused by the caravan)
- Emergency accommodation costs if the caravan is uninhabitable following an insured event
Static Caravan Insurance
Static caravans (holiday homes) are permanently sited at a fixed pitch on a holiday park and are not moved. The risks differ from touring caravans: the primary risks are storm damage (static caravans are more exposed to severe weather than brick-built structures), flood, fire, theft, and malicious damage. Static caravan insurance provides:
- Accidental damage, storm, flood, and fire cover for the caravan structure
- Contents cover for furnishings and personal belongings
- Third-party liability to other pitch holders and park visitors
- Loss of pitch rental if the caravan is uninhabitable
New-for-Old Cover
New-for-old (NfO) caravan insurance pays to replace a written-off or stolen caravan with a new equivalent model rather than paying the depreciated market value. This is a significantly better settlement basis for owners of relatively new caravans where market value falls rapidly from the date of purchase. NfO is typically available for caravans up to 10 or 15 years old; older caravans revert to market value cover. When buying caravan insurance, confirm whether the settlement basis is NfO or market value, and for what age of caravan NfO applies.
Related Guides |
Disclaimer: This guide is for general information only. Kael Tripton Ltd is not authorised or regulated by the FCA. Always verify details with an FCA-authorised insurer or broker before purchasing. |
Frequently Asked Questions
Does my car insurance cover my caravan while I am towing it?
Your motor insurance covers the towing vehicle and provides third-party liability for the caravan (injury or damage to others caused by the caravan while being towed). It does not cover damage to the caravan itself in an accident. You need a separate caravan insurance policy for accidental damage to the caravan while towing.
Do I need insurance for a static caravan?
Third-party liability insurance is typically required by holiday park operators as a condition of the pitch licence. Without it, most parks will not allow you to site your caravan. Contents and accidental damage cover are optional but strongly advisable given the cost of replacing a static caravan and the exposure to storm and flood damage at many holiday park locations.
Does caravan insurance cover contents?
Most caravan insurance policies include a limited contents section covering personal belongings and furnishings inside the caravan. The contents limit varies by policy (typically GBP 1,000 to GBP 5,000). For static caravans with significant furnishings, check that the contents limit is adequate. High-value items (cameras, laptops, jewellery) typically have per-item sublimits.
Is there a cheaper way to insure my caravan?
Membership of the Caravan and Motorhome Club or the Camping and Caravanning Club includes access to competitive group insurance schemes that are often priced more favourably than open market policies. Registering with CRiS can also help secure better terms. Agreeing to a voluntary excess above the standard level reduces premiums.
Does caravan insurance cover me for touring in Europe?
Most UK caravan insurance policies include a European touring extension or include European use as standard for a limited period (typically 60 to 180 days per policy year). Confirm the geographic limits and the territorial extent before touring abroad. Some policies require the insurer to be notified before taking the caravan overseas.
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