Compare caravan insurance quotes, save money.

The cost of caravan insurance varies depending on whether you want insurance cover for a touring caravan or static caravan. The level of cover you choose and the policy excess (the amount you will pay upfront to make a claim).

Other factors influencing caravan insurance cost include: age, size, make, model, & market value of a caravan.

Larger, higher value caravans will generally have more expensive caravan insurance premiums. Some makes and models of touring caravan are more desirable to thieves, and considered to have a greater risk of being stolen. It’s worth researching caravan insurance costs before committing to buy a specific caravan. Caravan insurance premiums vary from one insurer to another so shopping around will provide you with a number of quotes and policies to compare and choose from.

Many caravan insurance policies allow you to choose either ‘new for old’ cover, or ‘market value’ cover.

Market Value – Only covers up to the current market value of a caravan. If your caravan needs replacing, the policy will only pay out an amount equal to cost of replacing the caravan with a caravan of similar age and condition. Market value could be less than what you consider your caravan is worth as it generally takes the lowest average market value.

New for Old – If your caravan is stolen or damaged beyond repair, new for old cover will replace your caravan ‘like for like’ with a new caravan (the same make and model, or another caravan with similar specification).

New for old cover is often only available when insuring newer caravans. Many caravan insurance providers will not offer new for old cover on caravans when they are over 10-15 years old.

There are a number of things you can do to reduce the cost of a caravan insurance premium, these include:

Building up a no claims bonus just like any insurance cover, you can build up a no claims discount for caravan insurance. When renewing caravan insurance, providers will consider your claims history. If you have a good no claims record this will usually be reflected in lower insurance offers.

Taking added security measures many caravan insurance providers offer discounts if owners agree to install and use added security measures. You can improve caravan security by:

• – Fitting an alarm to your static caravan, or an alarm & tracker to your touring caravan.
• – Fitting security devices to your touring caravan e.g. wheel clamps, hitch locks.
• – Storing your touring caravan at a secure storage facility e.g. Caravan Club Storage or on a CaSSOA registered secure storage site.
• – Ensuring your caravan water system has been drained down and winterised over the cold winter months.
  
  

Joining a caravan club many caravan insurance providers offer discounts to members of UK caravan owner clubs including: NACCO, The Caravan Club, Camping & Caravanning Club. Members benefit from caravan insurance discounts and lower premiums. If you are a caravan club member inform the insurance provider when you get quotes to apply any qualifying discount.

Many caravan insurance policies include 3rd party liability cover, so theoretically this provides cover for use by family and friends. However for peace of mind it is wise to check with your insurance provider before lending your caravan, to make sure you are adequately covered.

Although most caravan insurance policies include 3rd party liability cover, this often won’t cover you to rent your caravan on a commercial basis (to paying guests).

Some providers offer the option to take additional cover for renting a caravan to guests e.g. Ripe caravan rental insurance cover in addition to public liability, offers extra cover for damage or loss attributed to paying guests. It also covers loss of rentals should you have to cancel bookings if your caravan is damaged & is unable to be used.