What Caravan Insurance Covers and Doesn’t Cover

Caravanning can be a great way to see the country and spend time with family and friends. But before you hit the open road, it’s important to know what caravan insurance covers and doesn’t cover.

For more details about caravan policies, beyond the scope of this article and in terms of a quotation, you might like to take a look at companies like https://www.onesureinsurance.co.uk/ to learn more. Here, you can understand further about the right cover for your purposes.

What Does Caravan Insurance Cover?

Insuring your caravan is about protecting you financially in the case of an accident or other incident while you are caravanning. It can cover the cost of repairs to your caravan, as well as any damage you cause to other people’s property.

Caravan insurance typically covers:

  • Accidental damage to your caravan
  • Theft of your caravan or contents
  • Fire damage to your caravan
  • Malicious damage
  • Storm or hurricane


Should you be involved in an accident on the road with your caravan, you will want to know that it is insured just like your car or four-wheel drive. Many caravans can be worth more than the vehicle that is towing them.


Sometimes, holidaymakers are targeted in terms of theft because when people are enjoying themselves, it is so often the case that they do not take so much care. They do not perhaps take the adequate steps to protect themselves because of being more carefree and trying to relax. Many insurance companies will offer cover for those looking to take their belongings on holiday and house them in their caravan. It can make for a more pleasurable caravan holiday to have familiar or useful possessions with you.

What is Not Always Covered?

It is not always the case that caravan insurance will cover you for your contents as well as the caravan. This might leave you without coverage for your camping gear. In these instances, you may also need to purchase contents insurance or have all risks covered on your household insurance for those items you take away with you.

Caravan insurance also does not typically cover:

  • Breakdowns or mechanical problems
  • Wear and tear

Obtaining Quotations

Before you buy a caravan insurance policy, be sure to shop around and compare different policies to find one that meets your needs. It’s also important to read the fine print so you know exactly what is and isn’t covered. You cannot assume that what is typically covered by a household policy will also be covered by a caravan policy. Yes, it is a type of home, but also a different kind of insurance policy.

Having caravan insurance is peace of mind when you set off from home in your caravan and want your precious asset in tow financially protected. With the right policy in place, you can relax and enjoy your caravanning holiday knowing you will not be worse off should you end up in an accident while towing your caravan to or from a holiday destination. Your caravan will also have insurance protection while at its holiday location and when stored in or out of season. This is whether that be at your home or not. You will need to let the insurance company know of its regular location.

You can, of course, also obtain insurance for static caravans as well as touring ones. They stay in a fixed location come summer or winter and are exposed to all the elements. If the insurance is not already taken care of by your site fee, then you will need to purchase it separately to be covered.

You might say that it is an enjoyable experience to purchase caravan insurance because while we are doing it, we are thinking about all the holidays that we will have and enjoy inside that caravan. We can enjoy them more when we are protected by insurance and have that kind of financial security should an unpredictable event happen that could otherwise ruin our holiday.

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