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Touring and static caravan cover
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?We are partnered with Quotezone.co.uk. As an Introducer Appointed Representative of Seopa Ltd (FCA FRN: 313860), we receive a commission if you purchase a policy. We do not provide advice or make recommendations.Different caravans have different risks and require different policies. Find the right cover for your type of caravan.
Covers your caravan while towing, in storage, and on site. Protects against theft, accidental damage, storm damage, and third-party liability. Your car insurance typically only covers third-party damage to other vehicles while towing, not damage to the caravan itself.
Covers your holiday home on its site. Protects against fire, flooding, storm, theft, vandalism, accidental damage, and contents. Many site owners require you to have insurance as a condition of your pitch agreement.
Trailer tent insurance and folding camper insurance provides specialist cover for these lightweight units. Standard caravan policies may not address the unique risks of canvas construction and folding mechanisms.
Touring and static caravans need different types of insurance because they face different risks. A touring caravan is towed between locations and stored at home or on a dedicated storage site, while a static caravan stays permanently on a holiday park. Here is what each type of policy typically covers.
| Feature | Touring | Static |
|---|---|---|
| Typically kept at home or in storage | ||
| Permanently sited on a holiday park | ||
| Cover while being towed | ||
| Cover for storm and flood damage | ||
| Contents cover available | ||
| European travel cover available | ||
| New for old replacement available | Sometimes | |
| Site owner requirements may apply | ||
| CaSSOA storage discount available | ||
| Accidental damage while in transit |
Touring caravan
Static caravan
Typical cover features by caravan type. Specific inclusions vary by insurer and policy.
UK caravanning is a substantial leisure market with hundreds of thousands of touring and static caravans on the road and on holiday parks. Here are the headline figures shaping the industry.
550,000
Estimated touring caravans in the UK
Industry estimate
500+
CaSSOA approved secure storage sites
CaSSOA
£1.8bn
Annual contribution to the UK economy from caravan and motorhome manufacturing
NCC / PKF Smith Cooper
2,000+
Caravan parks across the UK
NCC / PKF Smith Cooper
Sources: Industry estimates. CaSSOA. NCC / PKF Smith Cooper, 2025.
Cover for a caravan typically includes protection against accidental damage, theft, fire, and third-party liability. A comprehensive caravan insurance policy will protect you against these standard risks.
Cover for damage to your caravan and its contents.
Protection if your caravan or contents are stolen.
Cover for damage from natural events and fire.
Protection if your caravan causes injury or property damage to others.
Protection for personal belongings inside your caravan.
Cover for taking your caravan abroad (check policy terms).
Common exclusions you should be aware of when buying a caravan insurance policy.
Age-related deterioration of your caravan and its components is not covered.
Theft claims may be rejected if basic security devices were not used as required by your policy.
Using your caravan as a permanent residence without declaring it to your insurer.
Pest infestations and damage caused by rodents or insects are typically excluded.
Engine and mechanical failures on motorised caravans are not covered by standard caravan policies.
How touring caravan insurance works, what it protects, and how it compares to your car insurance.
Touring caravan insurance covers your caravan in three main scenarios: while being towed on the road, while in storage between trips, and while pitched on a site. A standalone policy is the only way to be sure your caravan, its contents, and your third-party liability are fully protected.
Your car insurance may only provide third-party cover for the caravan while towing, which means it would pay out if you damage someone else property but will not cover damage to your own caravan. That is why dedicated touring caravan insurance is important. If you are comparing car insurance, it is worth checking what level of caravan cover your policy includes. Read more on our car insurance comparison page.
New for old caravan insurance pays out for a brand new like-for-like replacement if your caravan is written off or stolen. Market value cover pays out what your caravan was worth at the time of the claim. New for old typically costs more but offers peace of mind for newer caravans, while market value can be more cost-effective for older models.
Most touring caravan policies cover the caravan year-round, including while it is in storage. Storing your caravan at a CaSSOA registered site, sites accredited by the Caravan Storage Site Owners Association for meeting specific security standards, can significantly reduce your premium and is often required by insurers.
Static caravans face different risks from touring caravans. Here is how dedicated static caravan insurance protects your holiday home.
Static caravan insurance, sometimes called static home insurance or static mobile home insurance, protects your holiday home permanently sited on a caravan park. Static caravan insurance UK policies typically include building and contents cover, accidental damage, and public liability as a site occupier. Because statics stay in one place, the risks are different from touring caravans. Cover focuses on the building, contents, and your liability.
Standard static caravan policies cover fire, flooding, storm damage, subsidence, accidental damage, contents, and public liability. Many policies also include alternative accommodation if your caravan becomes uninhabitable after an insured event, a useful benefit if your stay is interrupted by storm damage or a fire.
Caravan park insurance is often required by site operators as a condition of your pitch agreement. Check the park rules before buying a policy. Some parks have specific cover requirements, including minimum levels of public liability cover.
Personal belongings inside the static caravan can be covered as part of a contents policy. Your home contents insurance may not automatically extend to a static caravan, so it is worth checking your policy or arranging a dedicated contents add-on to make sure you are protected.
Towing a caravan has its own rules covering weight, speed, licences, and insurance. Here are the essentials before you set off.
Your car must have a sufficient towing capacity for your caravan. As a general guideline, the caravan Maximum Technically Permissible Laden Mass (MTPLM) should not exceed 85 per cent of your car kerb weight for safe and stable towing. Check your car handbook or V5C document for its maximum towing weight.
When towing a caravan, the speed limit is 50 mph on single carriageways, 60 mph on dual carriageways, and 60 mph on motorways. These are lower than the standard limits for cars driving without a trailer.
If you passed your driving test after 1 January 1997, you can tow a caravan as long as the combined weight of your car and caravan does not exceed 3,500 kg. If you passed before that date, you can tow heavier combinations. If your combination exceeds 3,500 kg and you passed after 1997, you will need a B+E licence or to pass an additional towing test.
Your car insurance may include cover for towing a caravan, but check your policy carefully. Dedicated caravan insurance provides cover for the caravan itself, including damage while in transit, which your car insurance will not cover. The two policies work alongside each other. Fully comprehensive cover typically offers stronger towing protection than third party only. For short-term needs, see our temporary car insurance page.
Source: Speed limits and licence requirements from the Highway Code and GOV.UK.
Make sure your tow vehicle is in good shape with our free MOT History Checker and Tax and ULEZ Checker.
The cost of caravan insurance depends on several factors including the type, value, and location of your caravan. Based on industry quote data from InsureMy, the average cost of touring caravan insurance is around £172 per year, with prices typically ranging from £80 to over £410. Static caravan insurance averages around £157 per year, with prices ranging from £90 to over £510, depending largely on the caravan value.
£172
Touring caravan insurance
Average annual premium
£157
Static caravan insurance
Average annual premium
Source: InsureMy quote data, 2022 to 2024. Costs are indicative and individual quotes may vary.
Higher value caravans mean higher premiums.
CaSSOA registered sites may reduce costs significantly.
Alarms, tracking devices, and wheel locks can lower premiums.
New for old costs more than market value cover.
Adding overseas cover increases the premium.
A no-claims record helps reduce premiums.
Higher contents cover means higher premiums.
Older caravans may be harder or more expensive to insure.
Looking for cheap caravan insurance? These tips can help reduce your premium and most also apply if you are hunting for cheap static caravan insurance, without compromising on cover.
Join a caravan club. Membership of the Caravan and Motorhome Club or the Camping and Caravanning Club can unlock discounts with certain insurers.
Store securely. Keeping your touring caravan at a CaSSOA registered storage site can reduce premiums.
Improve security. Fit an approved alarm, an insurance approved caravan tracker, and a wheel lock. Some insurers require specific security devices.
Increase your voluntary excess. Opting for a higher excess can lower your annual premium.
Pay annually. Paying upfront rather than monthly avoids interest charges.
Compare quotes. Different insurers weigh factors differently, so comparing multiple quotes is one of the easiest ways to find a better deal.
Caravan theft is a growing concern in the UK. Taking the right security precautions not only protects your caravan but can also significantly reduce your insurance premium.
23%
Of stolen caravans are recovered by police
West Yorkshire Police data, AX Track 2023
500+
CaSSOA approved storage sites across the UK
CaSSOA
Storing your caravan at a CaSSOA accredited site (Bronze, Silver, Gold, or Platinum rated) is one of the most effective ways to reduce your premium. Insurers recognise CaSSOA sites as meeting independently assessed security standards.
Physical deterrents like an AL-KO hitch lock and wheel clamp are visible signals to thieves that your caravan is protected. Many insurers require at least one physical security device.
A Thatcham-approved tracking device enables police to locate a stolen caravan quickly. Insurers often offer significant premium reductions for caravans fitted with an approved tracker.
Registering your caravan with the Central Registration and Identification Scheme (CRiS) creates a permanent record of ownership. Most insurers require CRiS registration as a condition of cover.
Sources: CaSSOA. West Yorkshire Police caravan recovery data via AX Track, 2023. CRiS.
Get your caravan insurance quote from specialist UK insurers, free and with no obligation, in minutes.
Compare Quotes NowCaravan insurance is not legally required, but the right cover protects your investment in ways your car insurance cannot.
Caravan insurance is not a legal requirement in the UK, unlike car insurance. However, your car insurance will typically only provide limited third-party cover while towing. It will not cover damage to the caravan itself, its contents, or any belongings inside.
Many caravan parks and storage sites require proof of insurance as a condition of your pitch agreement. Without insurance, you would need to cover repair or replacement costs yourself, which can run into thousands of pounds for accidental damage, theft, or storm damage.
Does car insurance cover towing a caravan? It is a common question. While your car policy may include basic third-party liability, it typically will not cover damage to the caravan itself, its contents, or provide the same level of protection as a dedicated caravan insurance policy. So do you need insurance to tow a caravan? You are not legally required to hold one, but it is the only way to fully protect your investment.
Comparing quotes is one of the best ways to find the best caravan insurance for your needs. Prices, cover levels, and excesses vary widely between specialist insurers.
If you own a motorhome rather than a towed caravan, you will need a different type of policy. Compare motorhome insurance quotes to find the right cover.
Content produced by
Ryan is the founder of Brumble and has over a decade of experience in the UK motor finance and insurance industry. He created Brumble to make it easier for UK drivers to understand the insurance and finance world by cutting through the jargon.
Originally published: 19 May 2026 · Last updated: 9 June 2026
Everything you need to know about insuring your touring or static caravan.
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