Whether you own a touring caravan, static caravan, or motorhome, specialist insurance is essential. Standard car or home insurance won’t cover them.
Types of Cover
| Type | What It Covers | Typical Cost |
|---|
| Touring caravan | Caravan when towed and on site | £150-£400 |
| Static caravan | Fixed holiday home | £200-£500 |
| Motorhome/campervan | Vehicle and living area | £300-£800 |
What Affects Your Premium
| Factor | Cheaper | More Expensive |
|---|
| Value of caravan | Under £10K | Over £30K |
| Where stored | Secure storage site | On driveway |
| Security measures | Wheel clamp, hitch lock | None |
| Usage | Occasional holidays | Full-time living |
| Experience | 5+ years towing | First-time owner |
| Location | Low-risk area | High-theft area |
Touring Caravan Insurance
| Cover Type | What It Includes |
|---|
| Accidental damage | Damage while towing or on site |
| Fire, theft, storm | Standard perils |
| Awning and equipment | Usually included up to a limit |
| European travel | Often included for 30-90 days |
| Breakdown cover | Roadside assistance for caravan |
| Public liability | If someone is injured by your caravan |
Static Caravan Insurance
| Cover Type | What It Includes |
|---|
| Buildings | Structure, veranda, steps |
| Contents | Furniture, appliances, personal items |
| Storm damage | Important for coastal locations |
| Theft and vandalism | While site occupied or unoccupied |
| Loss of rent | If you rent it out and it’s damaged |
| Public liability | If guests are injured |
Motorhome Insurance
| Cover Type | What It Includes |
|---|
| Vehicle cover | Accident, fire, theft |
| Living area cover | Fixtures, fittings, personal items |
| Windscreen cover | Repair or replacement |
| Breakdown cover | Recovery including motorhome |
| Continental cover | European driving |
| Habitation cover | Gas, electrical, water systems |
Security Discounts
| Security | Typical Discount |
|---|
| Wheel clamp | 5-10% |
| Hitch lock | 5-10% |
| Tracker (tracker device) | 10-20% |
| Approved storage site (CASSOA) | 10-20% |
| Alarm system | 5-10% |
Common Mistakes
| Mistake | Fix |
|---|
| Insuring for purchase price, not replacement value | Insure for new-for-old replacement cost |
| Not declaring modifications | Solar panels, awnings, bike racks |
| Assuming car breakdown cover includes caravan | It usually doesn’t |
| Not measuring correctly | Static caravans need accurate dimensions |
| Forgetting contents | Personal belongings in the caravan aren’t covered by home insurance |
Bottom Line
Caravan and motorhome insurance is specialist cover that protects your holiday investment. Security measures significantly reduce premiums. Insure for replacement value, declare all modifications, and don’t assume your car or home insurance covers your caravan. Secure storage is the single biggest factor in reducing your premium.
This content is for educational purposes only. Not financial advice. Do your own research before investing.