If you have a caravan or trailer, you’ll want to make sure you have the right cover in place so you can drive safely.
Different types of caravan insurance
It’s important you have the right insurance to protect your caravan or motorhome.
It's not just road accidents you need to think about – there's also theft, vandalism and damage from incidents such as cooking fires.
Touring caravan insurance
If you own a touring caravan and are always on the road, then you need insurance that covers you for accidents that could happen while your caravan is in transit.
Static caravan insurance
In some ways static caravans come with less risk as they are never taken onto the road, but they also need the right insurance to cover any belongings that you leave in them.
Trailer insurance
Camper trailer tents and folding campers can be an easier alternative to caravans; they’re lighter and lower, so don’t reduce visibility as much as a caravan. But they also need their own insurance.
Do I need insurance to tow a caravan or trailer?
Before you set off with your towing caravan, make sure you have the right insurance to protect both your car and your caravan.
While many insurance policies include third-party cover for trailers, some don’t offer cover for caravans.
You may be able to buy additional cover as an add-on, or you might have to take out specialist cover.
If you have car insurance with us, the trailer/caravan is insured as standard with third party only cover while attached to the car.
Read our guide to towing a caravan in the UK or abroad to find out more.
Protecting your possessions in your caravan
Make sure you have cover for all the expensive equipment and gadgets that you may take on holiday in your caravan.
Your home insurance may cover your possessions away from home, but it’s essential to check.
If you’re taking bicycles along for the ride, make sure they’re covered too – our home insurance will cover bicycles up to £350 away from home.
Tips for caravan security
You may think that security isn’t a concern if you’re on an enclosed caravan site, but many sites with public walking paths could mean members of the public have easy access to your caravan.
Make sure it’s locked when you’re not inside, and that you don’t store any valuables in an awning during the day or overnight.
Consider installing security devices like an alarm or wheel clamp.
Taking your caravan to Europe
If you want to take your caravan further than the coast and are considering travelling to the continent, make sure your insurance includes European cover.
This cover may be limited to a certain number of days, so make sure you’re protected for the full duration of your trip if you’re considering travelling for a longer period of time.
Don’t forget to get travel insurance for your jaunt too, and make sure that your personal possessions are covered while you’re travelling.
