Touring Caravan Insurance

Q: How can I cut the cost of my caravan insurance?

You can reduce your caravan insurance costs by: Using secure storage: Keeping your caravan at a recognised secure storage facility can lower premiums. Improving security: Installing alarms, wheel clamps, or tracking devices makes your caravan less risky to insure. Limiting your mileage: If you don't travel far, let your insurer know as it might reduce costs. Increasing your excess: Agreeing to pay a higher excess may lower your premium.

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Get a quote Call 01480 402 460 Call 01480 402 460

Caravan Insurance

Car insurance doesn’t usually cover caravans. That means if there’s damage, theft, or an accident, you could be left to cover costly fees. Thankfully, caravan insurance can help to provide protection when something like this happens.

At Lifesure, we work with a range of specialist insurers to help you find a policy that meets your needs. Keen to learn more? Contact our friendly, UK-based team. They’re on hand to provide you with information and a quote.

Do I need insurance for a caravan?

Although caravan insurance isn’t a legal must-have, it’s a good idea to consider it. After all, caravans usually aren’t covered by car insurance. That means if you’re involved in an unfortunate incident—like an accident, damage or theft —and you don’t have specialist insurance, you could be left to cover the costs. But with caravan insurance, you can be covered for a variety of scenarios, whether your caravan is static or attached to the car.

Key features of Lifesure’s caravan insurance policy

Caravan insurance can help to protect your caravan from accidents, and even extend to theft and storm damage.

Here are some of the main benefits included in a typical caravan insurance policy:

Emergency repairs following an accident

Theft or attempted theft covered

Loss or damage to furniture in the awning

Damage caused by storm and flood

New-for-old or market value replacement

Protection against fire, lightning and more

Click here to see all reviews.

Get your quote

What can be covered

New-for-old or market value cover: If your caravan is damaged or lost, you can either receive a brand-new replacement or its current market value, based on its age and value.
Caravan contents : Your belongings inside the caravan are protected, with cover up to £5,000 for theft, damage, or loss.
Theft and attempted theft: If your caravan is stolen or someone tries to steal it, you’re covered for the damage or loss.
Cover for furniture in the awning while the caravan is in use: Your furniture, even if kept in the awning while you're using the caravan, is protected.
Storm and flood cover: If a storm or flood damages your caravan, this policy covers the costs.
Protection against fire, explosion, lightning, or earthquake: You’re covered if your caravan is damaged by fire, explosions, lightning, or earthquakes.
Accident cover: If you have an accident, the policy helps with removing and safeguarding the caravan afterward.
Up to 180 days of cover for European travel: You can travel across Europe with your caravan, and this policy covers it for up to 180 days.

What’s not covered

Theft, loss, or damage to valuables or money: Items like cash or high-value personal belongings aren't covered by this insurance.
Damage from wear and tear or gradual deterioration: Natural aging or regular wear and tear to your caravan isn’t covered.
Mechanical or electrical breakdown: Problems like engine or electrical failures aren’t included in this cover.

Optional extras

Key cover provides cover for the cost to repair or replace keys if they’re damaged, stolen, or lost
Substitute vehicle and legal expenses provide cover for uninsured loss recovery, legal defense, and a replacement vehicle if yours is undrivable or written off
Caravan breakdown cover (UK) offers roadside recovery and at-home assistance provided by the RAC in the UK

Terms and conditions, limitations, exclusions and acceptance criteria applies. Policy enhancements are subject to an additional premium.

Our panel of products provides different levels of cover depending on the value of the caravan and towing experience. When you receive your quote, the most suitable product will be offered to you, depending on the information you provide.

Why choose Lifesure for caravan insurance?

We've been helping people with caravan insurance for over 20 years, so we know how to find a suitable policy for you and your caravan. You'll also get superb customer service at Lifesure. It's why we've earned the Feefo Platinum Trusted Service Award for five consecutive years.

Our award-winning team is always on hand to help. Whether you need a new quote or want to change your existing policy, call us at 01480 402 460. You can manage your policy and access documents through our MyLifesure online customer portal. Plus, you can securely message us and update your information.

Lifesure touring caravan insurance (Stubben Edge)

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Exceed touring caravan insurance

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Vehicle excess reimbursement insurance (renewal on/after 01.01.24)

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Key cover insurance (renewal on/after 01.01.24)

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Substitute vehicle and motor legal policy insurance (renewal on/after 01.01.24)

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Lifesure RAC caravan breakdown policy

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We partner with established insurers, like AXA, Ageas, Allianz, Aviva, and LV so you should receive outstanding service and will be supported when making a claim.

Explore our insurance policies:

•    Motorhome insurance
•    Campervan insurance
•    Car insurance
•    Park home insurance
•    Van insurance
•    Home insurance
•    Imported car insurance
•    Convicted driver insurance
•    Leisure home insurance
•    Static caravan insurance
•    Travel insurance

Find your insurance

Caravan insurance is simple with Lifesure. It helps that we have multiple payment options, such as instalments by financed direct debit, debit card, credit card, BACS, or bank transfer. You can spread the cost to make payment more manageable. We work with Close Brothers Premium Finance to enable you to pay in regular instalments*.

Flexible payment dates, online account management, and credit agreement renewal can make it easier to purchase appropriate protection.

*We work with a third party company called Close Brothers Premium Finance Limited (‘CBL’), which manages instalment payments. We act as a credit broker and we are not a lender. If you have opted to pay by monthly direct debit, we will pass your details to CBL and they will make a credit decision about you, which may include a credit check being carried out. Please let us know immediately if you do not consent to us sharing your details with CBL. If CBL agrees to provide you with credit you will receive a welcome pack including a credit agreement from CBL, which you will need to sign and return to CBL. Please note that CBL has its own set of terms, conditions and charges and you should familiarise yourself with these carefully. We may receive a commission for introducing you to CBL. Paying by monthly direct debit via CBL will cost more than paying by one off payment. As part of your premium finance journey, Close Brothers will provide you with a commission disclosure detailing the commission we earn. You will have 12 days to review this information and provide your consent. If you decide not to consent to the commission amount, Close Brothers will be unable to process your loan, and you will need to arrange to pay the balance in full.

Ways to pay

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Frequently Asked Questions:

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Do I have to insure a caravan?

protect you from costs associated with theft, damage, or accidents. Without insurance, you would have to cover these expenses yourself, which can be costly.

What is the difference between a touring caravan and a static caravan?

A touring caravan is designed to be towed by a vehicle, allowing you to travel and stay at different locations. A static caravan stays in one place, often on a holiday park or private land, and isn't meant to be moved regularly. mium.

How can I cut the cost of my caravan insurance?

You can reduce your caravan insurance costs by:

Using secure storage: Keeping your caravan at a recognised secure storage facility can lower premiums.
Improving security: Installing alarms, wheel clamps, or tracking devices makes your caravan less risky to insure.
Limiting your mileage: If you don't travel far, let your insurer know as it might reduce costs.
Increasing your excess: Agreeing to pay a higher excess may lower your premium.

Do you need specialist insurance to tow a caravan?

Standard car insurance usually provides third-party cover when towing a caravan, but it depends on your specific policy and insurer. This type of cover typically extends to any damage or injury you cause to other people or their property while towing. However, it generally does not cover damage to the caravan itself or its contents. For that, you would need separate caravan insurance or an additional add-on to your existing car policy.

Do I need contents insurance for my caravan?

Contents insurance for your caravan isn't mandatory, but it protects your personal belongings inside the caravan. Lifesure includes contents cover up to £5,000 as part of our caravan insurance policy, so you don't need to purchase it separately.

Can you insure my caravan if it's permanently sited or on a seasonal pitch?

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What is new for old caravan insurance?

New for old caravan insurance means if your caravan is stolen or damaged beyond repair, it will be replaced with a brand-new model of the same make and specification. This provides greater value than market-value replacement which means a replacement would be based on the market value of your caravan at the time of the total loss event. Get in touch for more information.

Motorhome insurance

Caravan insurance

Park home insurance

Motor insurance

Home insurance

Static caravan insurance

Travel insurance

Touring Caravan Insurance

Caravan Insurance

Get your quote online

Call us for your quote.

Read our reviews

Do I need insurance for a caravan?

Key features of Lifesure’s caravan insurance policy

Emergency repairs following an accident

Theft or attempted theft covered

Loss or damage to furniture in the awning

Damage caused by storm and flood

New-for-old or market value replacement

Protection against fire, lightning and more

What does Lifesure’s caravan insurance cover?

What can be covered

What’s not covered

Optional extras

Why choose Lifesure for caravan insurance?

Full caravan insurance policy information

Insurance partners

Our caravan insurance reviews

Flexible payment options

Useful articles about caravan insurance

New for Old Caravan Insurance Explained

The EU Entry and Exit System Explained

The True Cost of Owning a Touring Caravan

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Understand your caravan’s electrics to keep it running efficiently

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We ask Bailey: What is a caravan berth and which one do I need?

A guide to towing your caravan

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How To Load A Caravan Correctly

A Guide To Caravan Breakaway Cables

Adapting Your Caravan Or Motorhome To Cater For Disabilities

Everything you need to know about caravan & motorhome leisure batteries

What You Need To Know About Tyre Pressure Monitoring Systems

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How To Avoid Common Caravan Scams When Buying Second-Hand

A Guide To Solar Panels For Caravans and Motorhomes

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Smartphone Apps For Caravan And Motorhome Owners