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.

Get your cover today

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)

Download

PDF 603.71 KB

Exceed touring caravan insurance

Download

PDF 764.63 KB

Vehicle excess reimbursement insurance (renewal on/after 01.01.24)

Download

PDF 379.68 KB

Key cover insurance (renewal on/after 01.01.24)

Download

PDF 263.31 KB

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

Download

PDF 240.49 KB

Lifesure RAC caravan breakdown policy

Download

PDF 8.28 MB

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

10 UK Campervan Events to Attend in 2025

Discover 10 campervan events to attend in 2025 across the UK. Don’t miss out on exciting shows, music, and vanlife celebrations!

Buying a Touring Caravan

Discover what you need to know about buying a touring caravan, from new and used models to weight requirements, towing tips, and maintenance information.

Minimum Tread Depth for Caravan Tyres: Caravan Tyre Safety Advice

Read our guide to caravan tyre safety, from legal tread depth to maintenance tips, for safety, compliance, and peace of mind on the road.

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

LPG is an essential fuel source for motorhome, caravan and campervan off-grid adventures. Learn more about what it is, why owners use it, available options, and tips on finding LPG.

Celebrating 10 Years of Trusted Service

We’re proud recipients of the Feefo Platinum Trusted Service Award for a fourth consecutive year! Read more about it here.

Caravan Safety Tips: Towing in Windy Conditions

Tow with confidence – read our tips for caravan safety and towing in windy conditions.

Navigating the Road Safely - Avoiding Common Towing Mistakes

Discover the secret to caravan safety and learn about common towing mistakes to avoid on the road.

Campsite Review – The Hidden Hideaway

Looking for your next campervan adventure? Read our review of The Hidden Hideaway campsite; a rural gem in the stunning Leicestershire countryside.

Lifesure partners with Premier Parks

Lifesure is thrilled to be partnering with Premier Parks, supporting motorhome, campervan and caravan owners with feature packed insurance.

Winter Campervanning Essentials

Winter campervanning essentials - Discover what you need for great winter vanlife adventures.

Campsite Review -Town Farm Campsite

Campsite review. Read more about our experience at Town Farm Campsite, situated in the Chilterns.

15 Useful Apps for Motorhome and Caravanning

15 Useful Apps for Motorhome and Caravanning – Campsite finders, navigation apps and more!

Tips For Keeping Cool in a Motorhome, Campervan or Touring Caravan

Tips for keeping cool in a motorhome, campervan or touring caravan. Discover more in our easy-to-read guide.

Driving a Right-Hand Drive Abroad

Driving a right-hand drive abroad for the first time? Read our guide to staying safe on the road.

Taking Your Motorhome to Europe – What you need to know

Taking your motorhome to Europe? Read our guide to make ensure you’re well prepared for your trip across the water.

Pitchup Reveal the Most Dog-Friendly Campsites for 2023!

Looking for dog-friendly campsites? Market leading online accommodation booking platform, Pitchup have shared with us reasons why camping is good for your dog and the best dog friendly campsites for 2023!

Tips for Winter Caravanning

Want to know what makes a great winter caravanning holiday? Preparation! Read our article to discover how you can make yours a pleasant and more cosy experience.

The New Rules of the Road 2022 – What’s Changed?

Road safety will be high on your list of priorities, particularly if you drive a Campervan, Motorhome or tow a caravan. You may have missed the updates to the Highway Code earlier this year, so we’ve highlighted what we think you should know to ensure your safety, and the safety of other vulnerable road users, when you’re on the road.

Summer Travel Advice – How to avoid passport pitfalls and tips for driving in Europe

Travelling abroad this summer? We’ve taken a look at the changes in passport requirements that we think you should know about before you book a trip to Europe. Plus top tips on driving in the EU from The RAC.

We are celebrating 50 years of trading in 2022!

We are delighted to announce that this year marks an important milestone in our company's history, as we enter our 51st year of business. Lifesure was established by Colin Barnes in 1972 and remains a family-owned business based in St Neots, to this day!

Customer Care Champion

Providing exceptional service is our priority at Lifesure, which is why we offer additional support to our customers through our Customer Care Champion!

Leisure battery performance

If you own a caravan or motorhome, its important to be aware of the number of factors that could affect your leisure battery performance.

Your #Staycation news digest

Keep ahead of the curve with our regular updates on just what's happening with caravan and holiday home sites across the UK.

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

We’ve put together some FAQ’s as to why it’s still important to protect your pride and joy with essential insurance in place.

Advice for travelling abroad during the Brexit transition period

In short, you don't need to do anything differently when planning a trip to the EU.

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

Choosing a caravan can be a bit overwhelming, especially when you hear terms such as berths, axles, layouts, MTPLM, and total user payload.

A guide to towing your caravan

You’ve bought a caravan and you’re excited to get out and explore. What do you need to know about towing before you set off?

Top Tips to Consider Before Buying a Static Caravan Holiday Home – Part 1

Essential Caravan Accessories

These are some of those essential caravanning items that you may well miss off your list when stocking up, especially if this is your first caravan.

What Does A B&E Driving Licence Involve?

If you want to tow a trailer or caravan, then you'll need to make sure that you have the B&E part added to your driving licence, which may mean another test

How To Avoid Caravan Snaking

Your caravan snaking can be a heart stopping moment, but there are some things that you can do to minimise the risk. Read our guide to what you need to know

5 Of The Best Dog Friendly UK Caravan Sites

Finding a great caravan site that is also dog friendly is a priority for a lot of people. We have found 5 fantastic sites that are definitely worth a try.

Cleaning The Exterior Of Your Caravan

Cleaning your caravan is not only essential to keep it looking in tip top condition, but also a great way to spot any potential issues. Read our guide.

How To Load A Caravan Correctly

Regardless of how experienced you are, a reminder on how to load your caravan safely can only be a good thing. Read our guide to what you need to know.

A Guide To Caravan Breakaway Cables

The breakaway cable on your caravan is not only a safety feature, but also a legal requirement for vans over 750kg. Read our guide on what you need to know.

Adapting Your Caravan Or Motorhome To Cater For Disabilities

Getting older or having a disability does not mean that you have to miss out on the fun of caravan holidays. There are plenty of adaptions that can be made.

Everything you need to know about caravan & motorhome leisure batteries

Every caravan and motorhome has a leisure battery, but what is the difference between these and a car battery, and how do you look after one? Read our guide.

What You Need To Know About Tyre Pressure Monitoring Systems

Tyre Pressure Monitoring Systems are now being fitted to all new vehicles by law. But do you know what the benefits are and how they can help you?

How-to-avoid-damp-in-caravans-and-what-to-do-if-it-strikes.jpg

How To Avoid Damp In Caravans And Getting Rid Of It

Water ingress, damp and mold can be a nightmare for a caravan owner. But what should you do? Read our guide to avoiding damp and getting rid of it.

How To Avoid Common Caravan Scams When Buying Second-Hand

There are many bargains to be found when buying a second-hand caravan, but there are also some pitfalls. Read our guide to making sure you get a good deal.

A Guide To Solar Panels For Caravans and Motorhomes

Solar panels for caravans & motorhomes are becoming more popular. But with so many on the market what do you choose? Read our guide to what's available

Caravan VINs – Cracking The Code

The number etched on your caravan window isn't a random series of numbers and letters, it actually means something. We show you how to decode yours.

Smartphone Apps For Caravan And Motorhome Owners

With a wide range of apps to help you on your caravan holidays, from site finders to ideas for days out to caravan levellers - start planning your trip here

Caravan Registration Scheme – Why You Need To Register

CRiS is the national register for touring caravan owners in the UK and there are numerous advantages to signing up including help if it gets stolen.

Winter Caravanning Tips

Modern caravans with their new construction and heating systems mean that caravanning all year round is now feasible. Read our guide to staying comfortable.

Using Your Motorhome In Cold Weather

If you plan to use your motorhome during the autumn or winter, bear in mind that you will need to do things slightly differently than during the summer.

Caravan Towing Mirrors – Make Sure You Know The Law

Towing mirrors are a legal requirement for the majority of cars including 4x4’s that are towing a caravan or trailer. Read our free guide to staying legal.

Towing With Your Motorhome - What You Need To Know

If you are considering towing with your motorhome but are not sure what you are looking for, our guide looks at the different types available and the law.

Decorating Your Caravan On A Budget

Jazzing up your caravan can be extremely rewarding, with the right mindset and a bit of time to do it all in you can achieve beautiful and dazzling results!

Winterising Your Static Caravan

Before winter arrives there are things you need to do to ensure your static caravan is prepared for the elements. This guide gives some helpful hints & tips

Unfair Terms In Static Caravan Agreements

When coming to an agreement with the site owner keep an eye on the terms and conditions for anything which may prove to be unfair. Read our guide for advice

Raining Again? What To Do With Children In A Caravan Or Motorhome

Even in a confined space there are still plenty of games and things to do if it is raining and most don't cost a lot of money. Read on for lots of ideas.

Carbon Monoxide Poisoning in Your Caravan or Motorhome - The Risks

Carbon monoxide is a silent killer. Read our guide on how to avoid poisoning in your caravan or motorhome and recognising the potentially deadly symptoms.

How To Watch Television In Your Caravan Or Motorhome

The use of televisions in caravans and motorhomes is becoming more popular, but how do you get a signal? Read our guide to the options available to you.

Using The Internet In Your Caravan Or Motorhome

Read our guide on how to stay connected to the Internet whilst traveling in your caravan or motorhome. There's no need to pay expensive site connection fees

Towing Capacity For A Caravan Or Trailer

Before you decide which caravan or trailer to purchase, you must first work out what the towing vehicle can safely and legally manage. Read our free guide.

Keeping Unwanted Visitors Out Of Your Caravan

Caravanning can have some drawbacks; mainly the various creepy-crawlies! To avoid sharing your accommodation with tiny visitors, follow these handy hints.

Travelling With Your Dog In A Caravan Or Motorhome

If you have a puppy or have never taken your dog out in your motorhome or caravan, here are some tips and hints to help you and them have a happy trip.

New Guide For Caravan Tyre Pressures

Before a trip it is essential to check the tyres and tyre pressures on your caravan. This guide helps you to check that your tyres are correctly inflated.

Interior Design Your Caravan

Caravans are more than just a vehicle, more than just accommodation, or a place to kip for the night. Read on for ideas to improve and update your caravan.

Probably The Best Caravans In The World

With so many caravans to choose from this list contains quite a few expensive vans. However, not all of them are out of the price range of us mere mortals.

Frequently Asked Questions:

Here are some answers to common queries about caravan insurance:

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.

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.

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

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

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

Caravan Safety Tips: Towing in Windy Conditions

Navigating the Road Safely - Avoiding Common Towing Mistakes

Campsite Review – The Hidden Hideaway

Lifesure partners with Premier Parks

Winter Campervanning Essentials

Campsite Review -Town Farm Campsite

15 Useful Apps for Motorhome and Caravanning

Tips For Keeping Cool in a Motorhome, Campervan or Touring Caravan

Driving a Right-Hand Drive Abroad

Taking Your Motorhome to Europe – What you need to know

Pitchup Reveal the Most Dog-Friendly Campsites for 2023!

Tips for Winter Caravanning

The New Rules of the Road 2022 – What’s Changed?

Summer Travel Advice – How to avoid passport pitfalls and tips for driving in Europe

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.

Advice for travelling abroad during the Brexit transition period

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

A guide to towing your caravan

Top Tips to Consider Before Buying a Static Caravan Holiday Home – Part 1

Essential Caravan Accessories

What Does A B&E Driving Licence Involve?

How To Avoid Caravan Snaking

5 Of The Best Dog Friendly UK Caravan Sites

Cleaning The Exterior Of Your Caravan

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

Winterising Your Static Caravan