Best Caravan Insurance 2023

Ripe insurance, which has been around since 1998, is an excellent choice for tourers who like to customize their insurance policy. 

The company offers several insurance products, including for static and touring caravans, as well as cabins, chalets, and lodges. It provides covers loss, damage, and theft and public liability cover as standard in all of its insurance policies. 

If you opt for a touring caravan insurance policy, you’ll also get free accidental death cover and ‘new for old’ cover for up to 15 years. This option is only available for up to 10 years in the static insurance policy, which also includes fire, storm, and flood cover.

Finally, buyers can also choose from a variety of add-ons to tailor their policy to their specific needs and can get discounts of up to 50%.

Towergate Insurance is a UK-based insurer that provides a wide range of insurance products for both individuals and businesses, including cover for caravans (static and touring), holiday lodges, mobile homes, motorhomes, park homes, and trailer tents.

The touring caravan policy includes accidental damage cover while towing (including cover for family members that tow the caravan), flood and storm cover, and theft or attempted theft and fire.

The static caravan includes the same elements, but it doesn’t have a towing cover. 

What’s more, there’s an option to add extras, such as European, legal expenses, key protection, and extended accidental cover, to tailor your policy to your needs. You can also add drivers to the policy for an extra fee. 

With more than 30 years on the market and a variety of insurance products, Caravan Guard is easily one of the best insurance companies for caravans.

It offers insurance for a wide range of caravans –including touring and static (the latter is provided by its sister company Leisuredays)– as well as  motorhomes, holiday lodges, and RV insurance.

Caravan Guard policy covers accidental damage, theft, storm, fire, and flood and offers customers ‘new for old’ cover of up to 15 years. 

The policies also include a £500 key and lock cover, up to £25,000 in fatal accident benefits, and legal expenses cover for up to £100,000.

SAGA offers insurance for touring caravan to individuals aged 50 and over.

The policy includes vandalism cover, up to £1,500 cover for contents and personal belongings, cover for family and friends, and in case of loss of use cover, you can claim up to £2,625 for emergency accomodation, caravan hire, and travel expenses. 

There’s also an option for a cover in the European Union for an unlimited period and breakdown assistance.

Like most caravan insurance companies, SAGA has the ‘new for old’ option for caravans that are no more than 15 years old, boasts a range of discounts, and allows customers to increase their excess.

Leisuredays is an award-winning, specialist insurance provider that offers static caravan insurance, as well as lodge, chalet, park home and holiday home policies.

The company’s static insurance policy, which is backed by a leading UK insurer-RSA, covers incidents like fire, theft, storm, and flood and emergency repair for any accidental damage, fixtures, and fittings. 

It also includes extra protection of up to £2,500 ground rent cover, public liability cover of up to £5 million, and legal expenses cover up to £100,000. 

You can also buy touring insurance from Leisuredays, which is provided by its parent company Caravan Guard.

SafeGuard is a specialist insurer and a great choice for anyone that rents out their caravan.

The company’s static caravan insurance is underwritten by KGM Underwriting Services Limited and includes weather damage cover, damage caused by paying guests, public liability cover, and contents insurance. 

SafeGuard also has one of the best touring caravan insurance in the UK that features a ‘new for old option’, EU cover, up to £2 million public liability, legal protection cover, and caravan breakdown cover as an optional extra.

Need help? The company employs experts that can help you find the right type of insurance for your needs.

Lifesure is a specialist insurance broker that offers both static and touring insurance. 

The company has three main static caravan insurance policies, including for UK-based caravans valued up to £150,000, fleet insurance for two or more caravans, and residential caravan insurance. 

All static insurance policies with Lifesure offer ‘new for old’ cover for vehicles up to 20 years old.

The touring insurance, on the other hand, covers emergency repairs following an accident, theft and attempted theft, loss or damage to furniture kept in the awning, damage caused by natural disasters such as floods and storms. They also provide new-for-old or market value replacement as well as protection against lightning, fire and more.

The Insurance Emporium offers three levels of static and touring caravan insurance and great discounts, making it one of the best off and on-road caravan insurance options for families.

Its entry-level touring caravan policy (Trip) covers European use, family use, loss and/or damage, and a ‘new for old’ option. The Voyage and Guest policies provide a higher level of cover and feature extra benefits, such as recovery and delivery, alternative accommodation, and driver cover.

The static caravan insurance (Classic, Prime, and Elite) covers everything included in the touring insurance policy, plus personal accident, accidental loss of keys, accidental damage, and freezer food cover.