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

Touring 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 guidance and a quote.

Do I need insurance for a touring 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 touring caravan insurance, you can be covered for a variety of scenarios, whether your caravan is stationary or attached to the car.

Key features of Lifesure’s touring 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, depending on the age and value of your caravan
Caravan contents cover up to £5,000 for theft, damage or loss
Theft and attempted theft so if your caravan is stolen or someone tries to steal it, you're covered for the damage or loss
Cover for furniture kept in the awning while the caravan is in use
Storm and flood cover
Cover against risk of fire, explosion, lightning or earthquake
Accident cover which offers cover to protect the caravan and remove it to the nearest repairers
Up to 180 days cover for European travel

What’s not covered

Theft, loss or damage to valuables or money
Loss or damage from wear and tear or anything that happens gradually over time
Mechanical or electrical breakdown or failure

Optional extras

Key cover provides cover for the costs to repair or replace keys in the event of damage, theft or loss
Substitute vehicle and legal expenses provides cover for the recovery of uninsured losses and motoring prosecution defence. If your insured vehicle is undriveable or has been written off as a result of an incident which is insured by your motor insurance policy, we will arrange to supply you a substitute vehicle
Caravan breakdown cover (UK) offers roadside recovery and at home assistance in the UK provided by the RAC.

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 a 4.8 out of 5 Feefo rating* and the Feefo Platinum Trusted Service Award for four consecutive years.

*Correct as at September 2024

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 should be simple. That’s why we make payments easy with multiple payment options, such as instalments by direct debit, debit card, credit card, BACS, or bank transfer. You can also 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 also make it easier to establish 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.

Ways to pay

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Do I have to insure a caravan?

While it's not a legal requirement to insure your caravan, having caravan insurance can protect you from costs associated with theft, damage, or accidents. Without insurance, you would have to cover these expenses yourself, which can be costly.

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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Do I need contents insurance for my caravan?

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Motorhome insurance

Caravan insurance

Park home insurance

Motor insurance

Home insurance

Static caravan insurance

Travel insurance

Touring Caravan Insurance

Touring Caravan Insurance

Get your quote online

Call us for your quote.

Read our reviews

Do I need insurance for a touring caravan?

Key features of Lifesure’s touring 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 touring caravan insurance cover?

What can be covered

What’s not covered

Optional extras

Why choose Lifesure for caravan insurance?

Touring caravan policy information

Insurance partners

Our caravan insurance reviews

Flexible payment options

Useful articles about caravan insurance

Feefo Platinum Trusted for Five Consecutive Years

10 UK Campervan Events to Attend in 2025

Buying a Touring Caravan

Minimum Tread Depth for Caravan Tyres: Caravan Tyre Safety Advice

LPG for Motorhomes, Caravans and Campervans: What You Need to Know

Celebrating 10 Years of Trusted Service

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Lifesure partners with Premier Parks

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Campsite Review -Town Farm Campsite

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We are celebrating 50 years of trading in 2022!

Customer Care Champion

Leisure battery performance

Your #Staycation news digest

Coronavirus (Covid-19), Our Customers Frequently Asked Questions.

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

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What Does A B&E Driving Licence Involve?

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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

How To Avoid Damp In Caravans And Getting Rid Of It

How To Avoid Common Caravan Scams When Buying Second-Hand

A Guide To Solar Panels For Caravans and Motorhomes

Caravan VINs – Cracking The Code

Smartphone Apps For Caravan And Motorhome Owners

Caravan Registration Scheme – Why You Need To Register

Winter Caravanning Tips

Using Your Motorhome In Cold Weather

Caravan Towing Mirrors – Make Sure You Know The Law

Towing With Your Motorhome - What You Need To Know

Decorating Your Caravan On A Budget