Touring Caravan Insurance
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Why Compare Touring Caravan Insurance at SimplyQuote.co.uk
Touring caravans offer the freedom to explore new destinations, from coastal retreats to countryside escapes. But with that freedom comes unique risks—road accidents, theft while parked, or unexpected weather damage can disrupt your travels. That’s where touring caravan insurance steps in, providing financial protection and peace of mind, whether you’re on the move or pitched for the night.
Unlike static caravans, touring caravans face the hazards of the open road, making comprehensive insurance even more important. From minor bumps to major mishaps, the right policy ensures you’re covered for life’s unpredictable moments.
At SimplyQuote.co.uk, we take the hassle out of finding the perfect cover. Through our partnership with Quotezone, you can access a comparison tool that lets you view quotes from trusted UK insurers side by side, so you can choose the policy that fits your needs and budget—without the stress. No repetitive forms, no endless searches—just straightforward comparisons, tailored to you.
What Do You Need To Get A Quote?
Getting a touring caravan insurance quote is quick and straightforward when you have the right information at hand. To receive accurate quotes, you’ll typically need to provide the following details:
- Caravan Details: Make, model, year of manufacture, and value of your touring caravan.
- Security Features: Information about alarms, wheel locks, trackers, and other security devices fitted.
- Storage Information: Where the caravan is kept when not in use—at home, in a storage facility, or on a site.
- Usage Details: How often you use the caravan, whether for holidays, extended trips, or full-time touring.
- Towing Vehicle Information: Make, model, and insurance details of the towing vehicle, if applicable.
- Driver Details: Information about the main driver, including age, driving experience, and claims history.
Having this information ready helps speed up the process and ensures you receive quotes that accurately reflect your needs. This way, you can compare options confidently and find the right cover for your touring adventures.
Why Do I Need Touring Caravan Insurance?
While touring caravan insurance isn’t a legal requirement in the UK, it’s highly recommended to protect your investment. Caravans are vulnerable to risks both on and off the road, including accidents, theft, fire, and weather-related damage. Without insurance, you could face significant out-of-pocket expenses if something goes wrong.
While your car insurance might cover third-party liability when towing, it won’t cover damage to your caravan itself. Touring caravan insurance fills this gap, covering repairs or replacements in case of unexpected events. It also provides liability cover if your caravan causes damage to someone else’s property or injuries to others.
Considering the average cost of a touring caravan can range from £5,000 to over £30,000, having insurance in place offers peace of mind. With approximately 555,000 touring caravans in the UK, the risk landscape is significant.
Additionally, accidental damage accounts for nearly 46% of all settled caravan insurance claims, with the average cost of such claims reaching £2,541. Whether you’re on a weekend getaway or an extended tour, knowing your caravan is protected allows you to focus on enjoying the journey, not worrying about potential risks.
What Does Touring Caravan Insurance Cover?
Touring caravan insurance typically covers a range of risks to protect both your caravan and your financial well-being.
Here are the key areas usually included:
- Accidental Damage: Covers repairs if your caravan is damaged due to accidents on the road, during towing, or while parked. This accounts for 46% of settled claims in the UK.
- Theft and Vandalism: Protection against the theft of your caravan or its contents, as well as damage caused by attempted theft or vandalism. Caravan thefts increased by 7% in 2022.
- Fire and Storm Damage: Covers damage from fires, floods, storms, or extreme weather conditions, with fire claims averaging payouts of nearly £10,000.
- Malicious Damage: Protection against intentional damage caused by third parties.
- Personal Belongings: Coverage for items inside your caravan, such as electronics, kitchenware, and camping gear, up to a certain value.
- Liability Cover: Provides protection if you cause damage to someone else’s property or if someone is injured due to your caravan.
- European Cover: Some policies extend coverage if you plan to tour outside the UK.
Having comprehensive cover ensures peace of mind, knowing that you’re protected from the most common risks faced by touring caravan owners.
What’s Not Covered By Touring Caravan Insurance Policies?
While touring caravan insurance offers broad protection, there are certain exclusions to be aware of. These can vary between providers, but common exclusions include:
- Wear and Tear: General deterioration over time, including rust, corrosion, and fading, isn’t covered.
- Mechanical or Electrical Breakdown: Insurance won’t typically cover breakdowns of appliances or the caravan’s mechanical components.
- Unattended Caravan: Theft claims may be denied if the caravan wasn’t secured properly or left unattended without adequate security measures in place.
- Illegal Activities: Damage or loss incurred while using the caravan for illegal purposes is excluded.
- Incorrect Use: If the caravan is used in a way not covered by the policy, such as for business purposes without proper cover, claims may be rejected.
- Negligence: Failing to maintain the caravan or ignoring manufacturer guidelines can void coverage in certain situations.
It’s essential to read the policy documents carefully to understand what is and isn’t covered, helping you avoid surprises if you ever need to make a claim.
What Touring Caravan Insurance Do I Need?
The type of touring caravan insurance you need depends on how you use your caravan, its value, and the level of protection you require. Most caravan owners opt for comprehensive insurance to cover a wide range of risks, but there are other options to consider:
- Comprehensive Cover: This offers the most extensive protection, covering accidental damage, theft, fire, vandalism, and third-party liability.
- Third-Party, Fire and Theft: Provides cover if your caravan causes damage to other people’s property, along with protection against fire and theft. However, it won’t cover accidental damage to your own caravan.
- Third-Party Only: The most basic level, covering damage or injury caused to others but not your own caravan.
When choosing insurance, consider factors such as:
- The age and value of your caravan
- Whether you tour domestically or internationally
- Storage arrangements when not in use
- The frequency of use throughout the year
For high-value caravans or frequent travellers, comprehensive cover is often the best choice, offering complete peace of mind both on the road and at your destination.
What Are The Different Types of Touring Caravan Insurance Policies?
There are several types of touring caravan insurance policies designed to meet different needs. Understanding these options will help you select the best cover for your caravan:
New for Old Cover
If your caravan is written off or stolen, this policy replaces it with a new model of the same make and specification, provided it’s within a certain age limit.
Market Value Cover
This covers the current market value of your caravan at the time of a claim, considering depreciation.
Agreed Value Cover
You and your insurer agree on the caravan’s value at the start of the policy. In the event of a total loss, you’ll receive this agreed amount.
European Cover
Essential if you plan to travel outside the UK, covering risks while touring in Europe.
Storage-Only Cover
Designed for caravans kept in storage for extended periods, covering risks like theft, fire, and damage while not in use.
Seasonal Cover
Suitable for caravans used only during specific times of the year, providing flexibility and potentially lower premiums.
Choosing the right policy depends on how you use your caravan, its value, and where you plan to travel. Assess your needs carefully to ensure you have the right level of protection.
What Are Some Touring Caravan Insurance Add-Ons?
In addition to standard coverage, many insurers offer optional add-ons to enhance your touring caravan insurance policy. These add-ons provide extra protection tailored to specific needs:
Legal Expenses Cover
Helps cover legal costs if you need to pursue or defend a claim following an accident.
Key Cover
Protects against the cost of replacing lost or stolen caravan keys.
Emergency Accommodation Cover
Covers the cost of temporary accommodation if your caravan becomes uninhabitable while you’re away.
Awning Cover
Provides additional protection for damage to your caravan’s awning, which may not be fully covered under a standard policy.
Breakdown Cover
Offers roadside assistance and recovery services if your towing vehicle or caravan breaks down.
Personal Accident Cover
Provides compensation in case of serious injury or death resulting from an accident involving your caravan.
Contents Cover
Increases the level of protection for personal belongings stored in your caravan beyond the standard limit.
Adding these extras to your policy can offer greater peace of mind, especially if you frequently tour or rely heavily on specific caravan equipment and accessories.
How Much Does Touring Caravan Insurance Cost?
The cost of touring caravan insurance in the UK can vary depending on several factors.
On average, you can expect to pay around £150 per year, with premiums typically ranging from £80 to £500.
The exact amount will depend on the specifics of your caravan and how you use it.
What factors influence the cost?
- Caravan Value: Higher-value caravans usually cost more to insure.
- Age and Condition: Newer caravans may attract lower premiums if they’re fitted with modern safety features.
- Security Measures: Caravans with additional security devices like wheel locks, alarms, or trackers can benefit from discounted premiums.
- Storage Location: Secure storage facilities can reduce costs compared to parking on a driveway.
- Usage Frequency: The more you use your caravan, the higher the premium may be due to increased exposure to risks.
- Claims History: A history of claims may lead to higher premiums, while a no-claims discount can help reduce costs.
Quick Stats:
- Average Premium: £150 per year
- Range: £80 – £500
- Average Accidental Damage Claim: £2,541
- High-Value Theft Claim: Over £45,000 paid out in some cases
By comparing quotes through SimplyQuote.co.uk, you can find the most competitive rates tailored to your specific needs.
How Can I Reduce the Cost of My Touring Caravan Insurance?
Reducing the cost of your touring caravan insurance is possible by taking proactive steps to minimise risk and demonstrate responsible ownership.
Here are some effective ways to lower your premiums:
- Improve Security: Installing wheel clamps, hitch locks, alarms, and GPS trackers can deter theft and qualify you for discounts.
- Store Securely: Keeping your caravan in a secure storage facility, especially one with CCTV and gated access, can reduce premiums.
- Limit Mileage: If you use your caravan less frequently, you may be eligible for lower rates.
- Increase Voluntary Excess: Opting for a higher excess can lower your premium, but be sure it’s an amount you can afford in case of a claim.
- Maintain a Clean Claims Record: Avoiding small claims when possible can help you build a no-claims discount over time.
- Bundle Policies: If you have multiple insurance policies (like car or home insurance), bundling them with the same provider might offer cost savings.
- Review Annually: Regularly comparing quotes ensures you’re getting the best deal, as insurers often offer better rates to new customers.
By implementing these strategies, you can make your caravan more secure and reduce the financial risk for insurers, leading to more affordable premiums.
How to Compare Touring Caravan Insurance at SimplyQuote.co.uk
Comparing touring caravan insurance quotes through SimplyQuote.co.uk is quick, simple, and hassle-free.
Here’s how you can find the best cover for your needs:
- Provide Your Details: Fill in a quick form with basic information about your caravan, its storage, security features, and how you use it.
- Access Multiple Quotes: Through our partnership with Quotezone, you’ll receive quotes from a range of trusted UK insurers, allowing you to compare prices and policy features side by side.
- Review Your Options: Look beyond just the price—consider what each policy covers, the excess amounts, and any optional add-ons you might need.
- Select the Best Policy: Choose the policy that offers the right balance of coverage and cost. You can purchase your cover online with ease.
With SimplyQuote.co.uk, you can save time and effort by comparing multiple caravan insurance quotes in one place, helping you secure the best possible deal without the stress of shopping around.
Frequently Asked Questions
No, it’s not legally required, but it’s highly recommended to protect your investment against theft, damage, and liability risks.
Car insurance typically covers third-party liability when towing but won’t cover damage to your caravan itself. Separate caravan insurance is needed for full protection.
On average, it costs around £150 per year, with premiums ranging from £80 to £500 depending on factors like caravan value, security, and usage.
Yes, many insurers offer European cover as an add-on, providing protection while touring abroad.
Report the theft to the police immediately and contact your insurer with your policy details and crime reference number to start the claims process.
Most policies cover personal belongings up to a certain value. Consider additional contents cover if you carry high-value items.
Yes, comprehensive policies typically cover accidental damage, which accounts for 46% of settled caravan insurance claims in the UK.
Improve security, store your caravan securely, increase your voluntary excess, and maintain a no-claims record to lower your premium.
Written by Chris Richards
Page last reviewed on 10th February 2025 by Chris Richards