Caravan insurance

Caravan Insurance

Your caravan is one of the biggest purchases you’ll make outside your home — and standard home insurance does not cover it sitting on a park. Separate caravan insurance matters, whether your caravan is static or touring.

Here’s what the policies actually do, where the gaps hide, and how to compare quotes without paying for cover you don’t need.

By the team at Best Caravan Parks · Updated August 2026

Guide

Best Caravan Insurance UK

What to look for in a policy, what the jargon means, and how to compare properly.

The two types of caravan cover

Static caravan insurance covers your holiday home on its park: the structure, contents, and liability for the pitch. It is usually purchased annually and is often a requirement of the park, in which case the site will specify a minimum level of cover.

Touring caravan insurance follows the caravan: damage in transit, on site, and in storage, plus theft and contents. You typically need it from the moment you tow away from the dealership.

What trips owners up

Underinsuring the new-for-old value of a static caravan
Not declaring that the caravan is let or sublet — many policies exclude letting income
Ignoring storm and flood cover, which matters on exposed coastal parks
Missing contents cover for the caravan’s furnishings
Assuming “laid-up” periods are covered if you leave the van unoccupied in winter
For touring: not carrying the right cover for awnings, cycles and accessories

How to compare quotes the right way

Compare like for like on the cover you need, not just the premium. Check the sum insured, excess levels, storm/flood limits and whether letting cover is included. The cheapest annual premium can be the most expensive the moment you claim.

As with all our recommendations, quotes and terms change constantly — get a current written quote before you decide.

Frequently asked questions

Do I need separate insurance for my static caravan?+

In most cases yes. Parks usually require static caravan insurance, and your home policy will not cover a caravan kept on a holiday site. Check the park’s minimum requirements before buying a policy.

How much does caravan insurance cost?+

Premiums vary with the value of the caravan, the location of the park, the level of cover and how the caravan is used (including letting). Get several current quotes and compare cover, not just price.

Can I rent out my caravan if I have insurance?+

Only if your policy includes letting cover. Many policies exclude income-producing use, so if you sublet, declare it and buy the right cover.

Get a quote comparison for your caravan

Tell us about your caravan and how you use it, and we’ll point you to suitable insurance options and quotes.

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Tell us where you would like to be and roughly what you want to spend, and we will point you to parks and ownership options that fit.