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Caravan Insurance

Affordable and Comprehensive Caravan Insurance UK

Our caravan insurance policy offers you an affordable way to protect the investment you have made in your caravan. Our caravan policy protects you from loss or damage by accident, fire, theft or storm and floods. It also covers you for third party liability when it is not hitched to your car. It makes sense to not take to the roads until you have set up your insurance policy and there we can help.

Get a Caravan Insurance Quote

Our online caravan insurance quote system for touring caravans will give you a free instant quotation and if you want to take up the policy we can then set it up over the phone in a few minutes. If you don't want the hassle of completing a quote form yourself just phone us, during office hours, on 0800 328 2084 for instant quote and buy. One of our friendly staff will be happy to help.

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Caravan Insurance

Take Caravanwise with you wherever you travel on holiday.

10 years New for Old Caravan Insurance

You may select caravan insurance on a new for old basis for your touring caravan until it is 10 years old provided you cover your caravan for the full cost of an identical new replacement. If you have bought your 'van on finance it is important that you carefully consider new for old cover.

Sensible Caravan Security Requirements

For single axle touring caravans we require that you use a hitch lock and a wheel clamp when the caravans is detached from the towing vehicle and is left unattended for more than two hours. We do recommend more security, and many people use both a hitch lock and wheel clamp together with an alarm. In fact for high value caravans and twin axle caravans we require hitch lock, wheel clamp and an alarm or additional wheel clamp. The alarm must, of course, be active.

There is an insurance discount available if you use an alarm and/or tracking device.

Seven Reasons to choose Caravanwise Caravan Insurance

  • Caravanwise are experts in the field. We have been specialists in caravan, campervan insurance and static caravan insurance since 1998.
  • Protection wherever you travel, for a caravan holiday, from home to anywhere in the EU Including get your caravan home in the event of an accident
  • Comprehensive cover including accidental damage from a major UK insurer
  • Fixed Site, seasonal pitch caravan insurance, insurance option to remove towing cover for a big discount, if you keep your caravan permanently sited
  • Alternative Accommodation insurance - so your holiday won't be completely spoilt
  • Choice of New for Old or Market Value Insurance - you set the value
  • Want cheaper? Reduce the cost of your insurance with a voluntary excess discount

Northern Ireland Caravan Insurance

We are now able to arrange insurance for Northern Ireland for campervans, motorhomes, static caravans and touring caravans both used as tourers or permanently site. Just use our standard insurance quote system. If you are a Northern Ireland resident we would be delighted to give you a quotation for your caravan insurance. Call us on 0800 3282084 to discuss your requirements and get a free and no obligation quote.

Cheaper Caravan Insurance Deals

We often see the question asked, "what is the average cost of caravan insurance in the UK?". This question is often asked by people thinking of buying a caravan in order to know what the running costs will be. To be honest there isn't really a single answer to that question, but you don't want to hear that, you want an answer to the question. So here is how to get an answer to a better question quickly and easily with no obligation. We want to tell you what the cost of insurance will be for you.

If you are thinking of buying a caravan you might not know exactly which caravan you are going to buy but I bet you know what your budget is, let’s start there.

You are going to have to get a tailored cost-effective insurance quote but don't worry it is free, easy and no one is going to hold you to it. If you already have a caravan and insurance you'll already know the ropes and we would be delighted to give you a quote so you can see how much you can save.

Uncover the Best Caravan Insurance Deals and Quotes with Caravanwise.

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Insurance for Caravans Savings Tips
1. Get your value right Ensure you have an accurate valuation of your caravan for insurance purposes.
2. Don't double insure your contents Check if your home insurance covers your caravan contents to avoid unnecessary duplicate coverage and cost.
3. Join a club Membership in a caravan club can provide access to insurance discounts or exclusive deals.
4. Store on a high security storage site Using a secure storage site for your caravan may lower your insurance premiums due to reduced risk.
5. Add some voluntary excess Increasing your voluntary excess can lower your insurance premium, but consider the potential out-of-pocket costs in the event of a claim.
6. Buy the coverage you need Choose an insurance policy that meets your specific needs without unnecessary add-ons, which can increase the cost.

What do you need to know to get a low cost caravan insurance quote?

Here is a list of the things that will effect the premium. The way our insurance quotes work is first of all on the basis of a rate per £1,000 covered. To get to that starting point you need to tell us, either on the phone or on our online quote the following values. If you are not sure make some assumptions for now.

We will ask you for the make, model and age of your caravan. If you have not bought it yet don't worry just find one in a listing that is the sort of thing you are thinking about and tell us that. When you do come to buying a caravan you can just phone and amend you quote to fit what you ended up with.

1. Caravan and Equipment Value. This is basically everything you get from the dealer or previous owner when you buy the caravan. It is all of the things that are on or in the caravan that you keep with it. Including things like your gas bottles, cooking utensils, steps, water containers, security devices etc. The awning and mover are valued separately.

There is one decision you'll need to make that will affect the value you tell us. That is whether you want new for old or market value cover. If you insure your caravan new for old and the caravan is a total loss, for example it is stolen, your Insurer will buy you a new caravan, however your sums insured need to be enough to buy a brand caravan. We can offer new for old insurance for touring caravans until they are 10 years old. As explained if you want new for old cover you need to insure your caravan for the replacement cost of a new one including delivery.

Market value insurance cover is what it would cost to replace it with the same make and model, condition and age from a dealer, in other word putting you back to the position you were in prior to the claim. But because the insurance premium you pay is based on the value your tell us, the amount you will be covered for in the event of a claim is limited to the amount you value it at and this will be shown on your schedule of insurance when you buy cover.

Getting the value right is important but only you can decide what that is we are not allowed to influence or give advice on your decision. We are happy to enter different values and tell you the premium for that value and this might help you to decide whether to go for new for old or market value insurance.

2. Your caravan awning. The value here needs to be the replacement cost of a brand new awning. If it is damaged beyond repair what would it cost to replace it? Awnings are insured up to 15 years of age.

3. Your caravan motor mover, if you have one will also be insured on a new for old basis. Not sure if you'll get one then leave it out for now.

4. Your contents and personal effects. This is one section where you could just waste money or make a saving. What you need to do is check to see if your personal possessions are already covered on your home insurance policy as "personal possessions away from the home". Now is a good opportunity for you to check this and find out exactly what that means. If it means, as is usually the case, that the things that you wear or carry when you leave the home are covered then that means most of the things you'll take with you to the caravan are already insured. Avoiding doubling up on insurance makes sense. If things are already covered then the Insurance Companies will get together and sort out what percentage they will pay, which of course takes time. Check to see if your camera and devices are covered on your home policy as we won't be able to.

When you think about if personal possessions away from the home cover on your home insurance policy is a really good safeguard for someone with a caravan as it covers those things wherever they are, in the caravan, on the beach in a restaurant etc. You need to check you home policy on geographical limits, if it covers anywhere in the world then that will match your use of the caravan in Europe as well as in the UK. Read your insurance policy and if you are in any doubt ask your home insurance company.

Enjoy your caravan holidays

Get the right insurance and forget about it - just enjoy your caravan holidays

Get a caravan insurance quote and compare with what you have.

If you already have a caravan insured and you are just interested in finding out what we have to offer then the process is exactly the same and the information on setting values above applies to you as well.

Get a cheaper caravan insurance price

Once we have established how much you want to insure the caravan for we can move on to applying insurance discounts. Again if you don't have a caravan yet but just want to get an idea of the cost of insurance we can still help. You can make assumptions about the following things that will provide a discount.

Store in a secure site

If you store your caravan on a Cassoa "Gold" or "Platinum" storage site we can apply a discount. This is because there is a reduced risk of theft from a well run highly secure storage location.

Fit enhanced security to your caravan

There is a minimum security requirement with all our touring caravan insurance policies. A hitch lock and wheel clamp are required for single axle caravans and twin axles must either have an additional wheel clamp or an active theft alarm or tracker. If the caravan is valued at more than £20,000 we will require it to have either an alarm or a tracker. We can apply an extra discount if the additional security you choose is one of the following.

  • A professionally fitted and 24/365 monitored tracker.
  • A professionally fitted anti theft Alarm that is kept active whenever you are not in the caravan.
  • An Axle Lock that locks the wheel to the chassis using a proprietary lock. Like in the picture below.
Caravan Axle Chassis Lock

Join a Club

If you are a member of a caravan club, an owners club or an online caravan forum we can give you a generous discount.

No claims

We don't have a formal no claims discount scheme but we do have an insurance discount built in for experienced owners with a good claims history and the good news is that we can give new caravanners an introductory rate that will be repeated at renewal provided you have not made a claim.

Voluntary Caravan Insurance Excess

Our standard excess, the amount that will be deducted in the event of a claim, for touring caravans, is just £50. If you are happy to add a voluntary excess we can discount your premium. Just ask and we will tell you how much that is.

Pay for your insurance by Direct Debit - payment options and pricing

If you want our cheapest price you should pay annually but if you would rather spread the cost we can set up a consumer credit account with CCF (BNP Paribas) so that you can pay by monthly Direct Debit. The interest rate is 12.5%. We will ask you to pay a 20% deposit so for example if your premium is £160 you will pay a £32 deposit. 12.5% is then added to the remaining premium. This £144 is collected over a ten month period at £14.40 per month. You will end up having paid £176 for your insurance. In the table is an example based on our minimum premium for touring caravans of £90.

Insurance Premium Example - Paid By Direct Debit
Example premium £90
Deposit percentage 20%
Deposit amount £18
Remaining premium £72
Interest rate 12.5%
Interest added £9
Total payable £99
Monthly payment over 10 months £8.10

The APR is 29.85% which sounds like a lot but what it means in the example above is that you have paid £9 for the credit. Caravanwise Limited is Authorised by the FCA as a credit broker and we will be paid a small commission for setting up your agreement. As you can imagine this is such that it doesn't cover our costs but we offer it as a service to customers to allow you to split the cost of your insurance into smaller chunks.

Choosing the caravan policy and cover that is best for you

Along with confirmation of you quote we will send you full details of the insurance cover and any exclusions. The IPID is an easy to understand summary of the policy and you should, at the very least, have a look through that and compare it with other policies you are considering. Your confirmation email will also have a link for you to download the full policy wording. We are here to explain anything that you are unsure of so please do ask before your decide.

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seasonal pitch caravan insurance

Touring caravan - kept on a fixed site or seasonal pitch. If you keep your tourer on a permanent site or seasonal pitch and do not tow the caravan you may be able to get a very low premium, because the risk of a claim is reduced. The touring caravan must have the security set out above and the site must be locked and secure, designed for storing caravans, have a secure perimeter and locked gate or barrier, there must be at least 10 caravans on the site and to the best of your knowledge the site must be free of any history of damage by storm, flood, theft or vandals, and be supervised.

If you choose fixed site use, the policy will exclude cover while being towed by any motor vehicle driven by you, your family, relative or friend that you have loaned it to including any accidental damage to the caravan resulting from such towing.The caravan will still be covered for the site to tow it out to your pitch or to move it on the site, also it is covered for any caravan manufacturer, supplier, repairer, engineer, site owner, or any road vehicle recovery service to tow or transport it in connection with their business.

Other Insurance We Offer

Static Caravan Insurance

Static Caravan Insurance

We offer comprehensive insurance coverage for your static caravan, including protection against storm, flood, accidental damage, and more.

Static Caravan Insurance
Trailer Tent Insurance

Trailer Tent Insurance

Protect your trailer tent with our caravan policy, covering everything from loss or theft to accidental damage.

Trailer Tent Insurance
Campervan Insurance

Campervan Insurance

Our campervan insurance policy provides comprehensive protection for your home on wheels, including damage, theft, and liability coverage.

Campervan Insurance

Caravan Insurance Frequently Asked Questions

No, there is no legal requirement to have separate insurance for your caravan but there are a few reasons that make it essential in many cases. For touring caravans, if you have bought it using a loan or consumer credit, you need to ask yourself what you would do if it was stolen or badly damaged. For static caravans very often the park owner will insist that you have your caravan insured and that it has £2 million or £5 million liability insurance cover. If you buy your caravan using a loan secured against the caravan then very often the finance provider will insist that you have new for old cover with them named as having an interest in the caravan.

Your Car Insurance Certificate will confirm if you are covered to tow a caravan, if you are not sure ring your Insurers to check. However the insurance in place whilst you are towing only covers your liability not damage to the caravan itself. The law of the land compels you to insure your car but you choose to insure your caravan, so if you cause an accident whilst towing, your car insurer will pay for the damage you have caused to the third party’s property, your caravan cover will repair the damage to your caravan.

Caravan insurance premiums start from the basis of £s per £1,000 of value. So the more valuable your caravan the more expensive your insurance premium will be. Touring caravans are more expensive, in terms of insurance, than static caravans per £1,000 in value this is because they are immune to two of the biggest cause of insurance claims for caravans. Static holiday caravans are not stolen and do not suffer damage as the result of accidents on the road or while manoeuvring. They are more prone to flooding and storm damage but the underwriter will have taken that into consideration when setting their insurance rates. If you increase your excess to £250 we can give you a discount.

New for Old Insurance is no more expensive per £1,000 of value but the fact is you will have to insure more £1,000s to comply with the requirement that you insure it for the full replacement value of your caravan new from the showroom.

Market Value Insurance is generally at the same rate pre £1,000 as new for old but you won't have to cover it for as much. It is important that you don't under insure it as the insurance company will only pay out up to the maximum you tell them its value is. If you insure it for less than it is worth that is called under insurance and it may well cause you problems if you ever have to make a claim.

Yes, there are a number of ways that you can improve things for yourself. We offer discounts for club members, so if you are not a member it might pay to join one. We offer discounts if your caravan is stored on a higher security CASSOA storage site. If you fit an alarm or an active tracking device that can result in an insurance discount.

Insured Values - You should also always review your sums insured each year. If your caravan has reduced in value tell your insurer. If it has increased, which has been the case for some recently due to shortages, then you must tell them.

Add a voluntary excess for a discount on touring caravan insurance.

Don't insure things that are already on another insurance policy. Many home buildings and contents policies have "Personal Possessions away from the home cover included. You need to check the wording on what that covers but it might include all of the things, clothes, camera, phone etc that you take from home in your caravan when you travel.

There are easy ways to find out. You could phone us on 0800 3282084 during office hours. of for touring caravans you can get an easy online quote here:

Tourer Insurance Quote »

Or for static caravans go here:

Static Caravan Insurance Quote »

Yes, we are delighted to offer the same cover in Northern Ireland as we do the rest of the UK.

Touring Caravan brief list of insurance cover.

A caravan, folding camper or trailer tent, designed to be towed on the road, and its attached fixtures, fittings andequipment, bedding, furniture, furnishings, household linen,steps and utensils. Equipment includes gas bottles,batteries, generators, stabilisers and wheel clamps.
The caravan, folding camper or trailer tent as stated in the schedule of insurance up to the Sum Insured shown in that schedule of insurance.
Cover is provided for touring and storage, all year round.
New for old on caravans up to 10 years old is available at standard premium rates. You must cover it for the current list price of the new replacement. If you select new for oldit will be shown on your schedule of insurance. Otherwise market value will apply.
180 days European cover is included as standard.
Further Benefits of Cover - included as standard

  • £2,000,000 public liability insurance.
  • £20,000 personal accident benefit.
  • Cover for alternative accommodation or the hire of a similar caravan if the caravan becomes uninhabitable as a result of loss or damage. Up to £50 per day, £1500 in total.
  • Cost of recovering your caravan to the nearest competent repairer and delivery back to your storage place, including the cost of repatriation from abroad.
  • The cost of getting your caravan home if driver unable to tow due to illness or injury, up to £1,000.
  • Cover for use by family and friends with your permission is included.
  • Outside furniture in the awning, while caravan is in use, up to £500.

Optional Cover: If selected this will be shown on your schedule of insurance.

  • Full awning cover including weather damage is available as an option at the same rate as your caravan.
  • Motor mover

Optional Cover - not available for Folding Campers and Trailer Tents: If selected this will be shown on your schedule of insurance.

  • Audio and visual equipment and personal effects, clothing and luggage, if cover is shown in your schedule of insurance.

You can download the Caravan IPID here which gives more details and any exclusions or limitations to the cover that might apply. Insurance IPID document for touring caravans and folding campers.

Insurance Articles

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We are here to help.

help assistant

Call our Dorset office on:
0800 328 2084
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Sat   10am - 12noon


Download Insurance IPID for touring caravans, an easy to understand brief summary of cover. 118K.

Touring Caravan Insurance IPID

Relax and let us take care of your insurance.

Caravanwise Limited

Insurance Intermediary and Credit Broker
100 Ringwood Road, Walkford, Christchurch, Dorset BH23 5RF
Registered in England No.3560388
Authorised and regulated
by the Financial Conduct Authority.
Our FCA Register number is 304081.


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