Caravan Insurance [2022]

Caravan insurance is an excellent way to protect your Caravan from damage or theft. Unlike regular car insurance, it is not mandated by the law, but it will cover you in the worst-case scenario. 

There are different policies available that provide varying amounts of protection, thus it is crucial to choose the correct policy. All the basics you need to know about caravan insurance are right in this article.

What is Caravan Insurance?

Caravan insurance is a sort of policy that cover the expenses if your Caravan is stolen or damaged in an accident. It also covers the maintenance expenses if your Caravan causes injury or property damage to a third party. 

The majority of insurance have a one-year duration, and you can opt to pay annually or monthly. Typically, paying annually is less expensive, so if you can afford it, you should do so.

What is Cover for Caravans and How Does it Work?

Cover for your Caravan is different from RV and Motor home insurance. Instead, it is a specific type of insurance for your Caravan if it is destroyed or stolen. Here are a few instances where caravan insurance may provide coverage:

  • If someone broke into your Caravan and made away with your valuables.
  • If the Caravan is stolen when it is kept at your residence or detached at a campground.
  • If your Caravan’s exterior has been wrecked by an accident or harsh weather.
  • If the interior of your Caravan has been affected by a plumbing or electrical issue.
  • If your Caravan caused some damage to a person or a property.

The two different types of caravans are static and touring. 

A static caravan is a standalone home as compared to a touring caravan, which is typically towed by your motor. Static caravans are usually more sturdy and heavy because they are built like homes.

The insurance prices for a static caravan, according to, are more comparable to a homeowner’s insurance policy than an auto insurance policy.

Getting a cover for your Caravan may or may not be necessary depending on where you live and the type of Caravan you have but it is always recommended to get one. Knowing that your Caravan is covered if stolen or damaged puts your mind at ease.

Who needs Caravan Insurance?

Unlike car insurance, which is mandated by the law, most caravan insurance policies are optional. However, getting caravan insurance gives you some sort of financial security. 

In addition, if you plan to take your Caravan abroad, you may just find out that caravan insurance is a legal requirement at your intended destination.

Many car insurance policies provide only third-party coverage for caravans, and only when being towed. This implies that if you damage or harm someone while towing a caravan, your car insurance will cover the expenses. However, any damage to your Caravan would not be covered and you would be responsible for the cost of repairs.

The same holds true if your Caravan becomes detached and is destroyed or stolen; your regular car insurance would not provide coverage.

You also risk the possibility of being held responsible if something goes wrong while your Caravan is unattached from your vehicle. If your Caravan rolled away into something or was improperly placed on its stand, causing property damage or personal injury, it would not be covered by your car insurance. 

Similarly, if something dislodged from your Caravan and destroyed surrounding property or hurt someone, or if your Caravan had a sharp protrusion that injured a passerby, this is also not covered by your car insurance. You could be held responsible for the damages.

Caravan insurance can provide coverage against each of these occurrences.

It is also vital to understand that motorhome drivers are required by law to carry insurance.

Caravan Insurance Types

There are three primary types of caravan insurance, each of which is designed specifically for a particular type of Caravan:

  • Touring Caravan Insurance: This type of insurance covers caravans that are towed behind a vehicle. As stated previously, some car insurance policies provide third-party coverage if you are towing a caravan, but if you wish to safeguard your Caravan against damage or theft, it is advisable to purchase a separate policy. 
  • Static caravan insurance: this covers caravans permanently positioned in the same area, including park homes. Most campgrounds require caravan owners to obtain insurance coverage.
  • Trailer Tent or Folder Camper Insurance: This policy provides total coverage for when a trailer tent or folding camper is being towed behind your vehicle.

Motorhomes are not categorized as caravans because they can be driven and used for accommodation. If you own a motorhome, you are required by law to obtain specialized motorhome insurance, as your regular car insurance would not cover it.

What Does Your Caravan Insurance Cover?

Most caravan insurance policies generally cover:

  • Accidental damage: when your Caravan is broken or damaged due to an accident, regardless of whether it was being towed or detached, you’re covered.
  • Malicious damage: when your Caravan is destroyed as a result of criminal acts.
  • Third-party liability: when a member of the public is hurt or your Caravan serious destruction to someone else’s property.
  • Theft: If your Caravan is stolen from outside your home or at a campground.
  • Extreme weather: when your Caravan is destroyed by a thunderstorm or other types of extreme weather.

The extent of coverage for each of these instances varies with the policy. Overall compensation will also vary, so check with each insurance to ensure that their limits are sufficient to cover the expenses of your Caravan.

What Are the Extra Options That Could be Included in Your Caravan Insurance? 

Apparently, you can add extra options to your policy with additional payment if you desire a more expansive level of coverage. These consist of:

  • Coverage for use by family and friends: this lets your family and friends use your Caravan without the need to get separate insurance.
  • European coverage: this covers your touring Caravan abroad. This of course incurs an additional expense. Verify that your destination is covered and the laws you need to abide by. 
  • Contents cover: Most policies will need you to pay extra if you want your things locked inside the Caravan to be safeguarded against loss or damage, but you should check if your insurance policy includes it first.
  • Excess coverage: this pays for your excess in the case of a claim. While this increases the initial cost of your insurance, it may save you money in the long run.
  • Breakdown cover: when you have breakdown cover for your car, not all insurance policies cover towing a caravan, so you may need to get additional coverage. Just be sure to check for restrictions such as the length, width, and weight of your Caravan.

What Are the Factors That Affect Your Caravan Insurance Rates?

It can be beneficial to understand the following caravan insurance premium factors:

The type of your Caravan: touring insurance will cover caravans that are towed behind a vehicle. The car insurance for your towing vehicle does not always cover the items you tow. Permanent trailers that can serve as a residence are covered by static insurance. This policy is similar to homeowner’s insurance.,or%20injury%20to%20third%20parties.

The cost of your Caravan: the replacement or repair expense of your Caravan will affect your insurance rates. A caravan with a greater market value will incur higher insurance costs.

The location: where you travel to and park your caravan impacts pricing. Densely populated areas with high levels of traffic and crime will result in higher insurance premiums.

The value of your possession: the cost of your personal belongings will also influence your insurance rates. You should expect greater fees if you have expensive stuff.

History of insurance claims: Typically, drivers with several insurance claims should expect higher bills. 

Installation of some security features on your Caravan: Certain security systems can reduce your insurance costs since they lessen the likelihood that your Caravan will be stolen.

User’s factors: Age, gender, location, and driving record of the user will also be considered when determining the insurance cost.

You should note that some caravans may not be eligible for insurance. If your Caravan is already damaged, it may be challenging to be able to obtain insurance coverage.

Tips to Get the Cheapest Caravan Insurance

There are several options for reducing your caravan insurance policy. Let’s find out how:

There are several ways to minimize your caravan insurance premiums:

Keep your Caravan secured: when your Caravan is secured, the less likely it is that it will be stolen. Installing security equipment, such as window locks or an alarm system, might lower your insurance cost.

Park your Caravan in a secured location: The location you keep or permanently park your Caravan affects your insurance costs as well. Choose a secured place such as your personal property or a gated community.

Join a membership organization: Participating in a camper or caravan organization program might also reduce your insurance cost.

Evaluate what you need to cover with your insurance: there is no doubt that it is important to have insurance for your Caravan but having extensive coverage might lead you to overpay for coverage you might not need or use. 

Looking around and comparing prices is another effective method for obtaining the most affordable insurance rates. 

The age and gender of the driver are considered differently by various insurance firms. Your name, address, Caravan’s make and model, security information, and any past insurance policies you may have had are the information you need to compare prices from other insurance suppliers. 

In addition, it can be useful to include any documentation relating to alarm systems or unique security improvements.

When comparing insurance rates from several companies, be careful to inquire about discounts. There may be multi-policy or multi-vehicle discounts available.

Comparing the prices can help you get the lowest caravan insurance. Whether you have a static or touring caravan, you should evaluate your coverage requirements and select a policy that provides adequate coverage.


Is water damage covered by caravan insurance?

A lot of caravan users are surprised to hear that insurance does not cover damage caused by water leaks in a caravan. Water leaks in a caravan will cause the timber frame to deteriorate and the interior to develop black mould.

What is new for old caravan insurance?

“New for old” caravan insurance simply means your insured Caravan will be replaced with the most recent model (or of the same value) when it is stolen and could not be recovered or if damaged beyond repair.

What does water damage look like in a caravan?

Caravan water damage may be indicated by musty odors, stains on the roof and walls, or squishy walls or flooring. Use a simple torch test to identify the source of probable water damage. With someone already inside, another person can check under the Caravan with the torch pointing to the floor. 

Do caravans need road tax?

No, a road tax is not necessary for caravans. There are many costs associated with having a vehicle, but fortunately, if it’s a caravan, there are no road tax obligations, unlike there would be for a car or truck.

Does a caravan need an MOT?

Caravans do need to get MOT, the only requirement is that they be considered road-safe. It is important to service your Caravan on a regular basis. A more thorough mechanical evaluation of the vehicle is performed during servicing.

How much do you pay for caravan insurance?

The typical annual cost of caravan insurance for GIO, a division of Suncorp, is $560. The highest premium was $80,750 for the sum insured, while the lowest was only $7,000. The sum insured is the most amount you should expect from an insurance provider. GIO offers a wide range of prices.


If you have a caravan, or you’re thinking of buying one, it’s important to get caravan insurance.

Caravan insurance is important to ensure that your Caravan is covered in case of any potential damage caused by unforeseen circumstances. Even if the chances are slim and unlikely, you still want to make sure that you are prepared for the unexpected in order to avoid any inconvenience or stress.

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