Compare Caravan Insurance Quotes
- Compare caravan insurance cover from the UK's most popular caravan insurance providers.
- Find cheaper touring caravan insurance.
- Find cheaper static caravan insurance.
- Switch caravan insurance provider and save £s.
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Compare caravan insurance quotes - Affordable touring caravan insurance & static caravan insurance
WOWCOMPARE helps you scan the market for competitive quotes for caravan insurance. Whether you need insurance for touring caravans or insurance for static caravans, simply choose your type of caravan, the make, model and age to compare a selection of caravan insurance quotes.
<< Compare caravan insurance quotes at Quote Zone >>
Compare quotes from a panel of specialist caravan insurance providers including: Cover4Caravans, Coast, Coversure, My Holiday Home Insurance, NACO, Ripe Caravan Insurance & others.
Provide details of your caravan once and include your email address to receive a selection of personalised caravan insurance quotes sent directly to your inbox, it’s that easy and there’s no obligation to buy!
IMPORTANT NOTE: Some caravan insurance providers will call you directly to check specific details of your caravan in order to refine your quote. Not all caravan insurance cover is equal and sometimes paying a little extra may get you better cover.
Caravan insurance comparison provided by QuoteZone a trading style of SEOPA LTD authorised and regulated by the Financial Conduct Authority (FCA) registration number 313860. All quotes provided are from FCA authorised and regulated caravan insurance providers.
Do I need caravan insurance?
Taking out insurance for your static caravan or touring caravan is not a legal requirement in the UK, however it is sensible to get your caravan insured for a number of reasons. Caravan insurance provides peace of mind that you will be financially covered for events or accidents that could damage your caravan and your ability to use and enjoy your caravan. Caravan insurance will cover the cost of replacing your entire caravan if it has to be written off.
What information do I need to compare caravan insurance quotes?
You will need to provide a few specific details to get accurate quotes, plus details of any club memberships, towing or driver training (tow training) to qualify for caravan insurance discounts.
Home Address
The caravan owner or keepers name and address.
Caravan Details
Make, model, age, reg number, number of berths/bedrooms and main usage.
Security & Storage
– Caravan site or park where your static caravan is located.
– Where you will store your touring caravan.
Cover Details
Cover level required, info on previous policies, previous claims
Static Caravan Insurance or Touring Caravan Insurance
There are two types of caravan for insurance purposes, static caravans and touring caravans. Each have their own individual insurance policies, responsible caravan owners will arrange caravan insurance to protect caravan and contents for peace of mind.
How do static caravan and touring caravan insurance policies differ?
Static Insurance Cover
Static caravans are generally permanently sited on a holiday park or caravan park so they are unlikely to be moved or stolen.
Your caravans ‘location’, where your static caravan is sited, will often influence insurance availability and cost e.g. a caravan located in a coastal location is more likely to be exposed to harsh weather conditions and increased risk of storm damage or flooding.
For static caravans sited on holiday parks / caravan parks, providing proof of insurance cover is often a requirement of the park rules.
Touring Caravan Insurance Cover
Touring caravans are designed to be towed by a vehicle so they are subject to road risks, other traffic and potential accidents.
Due to their tow-ability touring caravans are easier to steal, so adequate cover for caravan theft is important. Touring caravan policies often require touring caravans to be securely stored when they are not being used.
Many touring caravan insurance policies also require security devices to be fitted: hitchlocks, wheel clamps, alarms or GPS trackers.
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What should my caravan insurance policy cover?
A standard caravan insurance policy (for static caravans or touring caravans) should provide cover for fire, theft, accidental damage and weather/storm damage. A standard caravan insurance policy should provide the following:
- Theft of your caravan: Cover if your caravan is stolen whilst parked outside your home, at a caravan storage facility, on a campsite or caravan park in the UK.
- Internal caravan damage: Cover for any internal damage due to an accident or incident e.g. burst pipes, water leaks, fire & smoke damage.
- External caravan damage: Cover for damage to the external body/frame, windows, while your caravan is towed or sited.
- Third party liability: Cover if a third party gets injured by your caravan, or for damage caused by your caravan to nearby property. 3rd party liability cover insures you against claims made by others.
FAQs - Caravan Insurance
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.
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