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Best Caravan Insurance 2022

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Whether you’re touring the UK or Europe, a caravan can be a great alternative to expensive hotel rooms.

In this article, we’ll look at the best caravan insurance companies in 2022 and help you figure out the right one for you.

Written by, Marija Petkova

Updated July, 20, 2022

1. Caravan Guard

  • Key and lock cover
  • Awning storm damage cover
  • 24/7 emergency assistance and recovery (including abroad)

2. Ripe Caravan

  • Option to customise your policy
  • Storm and flood cover
  • Free accidental death cover

3. Saga Caravan Insurance

  • EU cover for unlimited time
  • £1,500 cover for contents and personal belongings
  • Choose between ‘new for old’ or ‘market value

4. Leisuredays Caravan Insurance

  • Up to £2,500 protection for special occasion contents
  • £75 excess
  • Emergency accommodation

5. SafeGuard UK

  • Covers damaged caused by paying guests
  • Weather damage cover
  • Contents cover

6. Towergate Caravan Insurance

  • Dedicated advisors
  • Frost damage to plumbing cover
  • £100 excess

7. Lifesure Caravan Insurance

  • Loss of hiring charges cover
  • General house items cover
  • Accidental damage

8. The Insurance Emporium

  • 6 cover levels
  • Free family member/ friends cover
  • Personal accident cover

Detailed Reviews

1 . Caravan Guard

Best Overall
  • Rating: 4.8
  • Type of caravan insurance: Touring and static
  • Public liability cover: £5 million
  • ‘New for old’ cover: Up to 15 years
  • 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.

    Pros
    • Up to 240 days European cover 
    • 24h emergency assistant and accident recovery hotline
    • 5th wheel insurance
    Cons
    • No cover for high-risk items

    2 . Ripe Caravan Insurance

    Best for Tailored Insurance
  • Rating: 4.8
  • Type of caravan insurance: Touring and static
  • Public liability cover: Included
  • ‘New for old’ cover: 10-15 years
  • 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%.

    Pros
    • Touring caravan club member discounts
    • Only pay for what you cover
    • Damages covered as standard
    Cons
    • Claim lines are open on workdays only

    3 . SAGA Caravan Insurance

    Best for Over 50s
  • Rating: 4.8
  • Type of caravan insurance: Touring
  • Public liability cover: /
  • ‘New for old’ cover: Up to 15 years
  • 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.

    Pros
    • Discounts and excesses
    • European cover
    • 24/7 breakdown assistance service
    Cons
    • Only touring caravan insurance available

    4 . Leisuredays Caravan Insurance

    Best Static Caravan Insurance
  • Rating: 4.8
  • Type of caravan insurance: Static and touring
  • Public liability cover: £5 million
  • ‘New for old’ cover: Up to 15 years
  • 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.

    Pros
    • Adjustable excess
    • Special occasions content cover
    • Emergency accommodation costs cover
    Cons
    • Touring caravan insurance is only available via third party

    5 . SafeGuard

    Best for Caravan Breakdown Cover
  • Rating: 4.8
  • Type of caravan insurance: Static and touring
  • Public liability cover: Up to £2 million
  • ‘New for old’ cover: Up to 10 years
  • 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.

    Pros
    • Caravan breakdown cover
    • Cover for vacant static caravan
    • Provides Green Card for EU travels
    Cons
    • Electronic devices and awnings are not covered

    6 . Towergate Insurance

    Best for Add-Ons
  • Rating: 4.7
  • Type of caravan insurance: Touring and static
  • Public liability insurance: £2 -£5 million
  • ‘New for old’ cover: Op to 20 years
  • 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

    Pros
    • Key protection
    • Option to add driver to the policy
    • A long list of extras
    Cons
    • £30 cancellation fee    

    7 . Lifesure Caravan Insurance

    Best Value For Money Caravan Insurance
  • Rating: 4.7
  • Type of caravan insurance: Static and touring
  • Public liability cover: £2 million (touring caravans)
  • ‘New for old’ cover: 20 years
  • Discounts: /
  • 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, caravan contents up to £2,500, theft and attempted theft, up to £200 for loss or damage to furniture kept in the awning, and up to 180 days of cover when traveling in Europe.

    Pros
    • Emergency repairs cover
    • Insurance for multiple caravans
    • Furniture insurance
    Cons
    • Higher minimum excess compared to other companies

    8 . The Insurance Emporium

    Best For Families
  • Rating: 4.2
  • Type of caravan insurance: Touring and static
  • Public liability cover: £1 million
  • ‘New for old’ cover: Up to 10 years
  • 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. 

    Pros
    • Different cover levels
    • Cover for inexperienced drivers
    • Unlimited European use
    Cons
    • Not all types of caravans are covered

    What Should I Look For In a Caravan Insurance?: Buyer’s Guide

    If you’re not sure what to look for when shopping for good caravan insurance, here’s what you should consider:

    What it covers

    Every insurer offers different benefits in their policies, which can vary depending on the type of caravan you own, the purpose, and what’s kept inside.

    While some policies may include certain features as standard, it’s best to double-check whether the insurance policy covers the elements that you need.

    Price

    The cost of your premiums reflects the type of covered and the covered amount – if you opt for add-ons, then you’ll probably pay more for premiums. On the other hand, if you have additional security features, like an alarm, or you agree to a ‘no claims’ policy or excess, then you could reduce your premiums

    Still, factors like your experience, driving history, and the caravan’s worth can also play a role in the price of your insurance. 

    To find the cheapest caravan insurance in the UK, you’ll need to compare quotes from different insurance providers. 

    Application process

    The application process for caravan insurance usually involves 4 steps. If you’ve found the right policy for you, you can apply for insurance on the company’s website (or over the phone with some insurers).

    The company will ask you to provide certain information, including personal details, claims details, and details about your caravan, based on which you’ll be offered a quote. 

    If the quote works for you, you’ll need to make a payment. 

    Customer support

    Most insurers offer customer support via phone and email that’s available 24/7.

    If you often travel in Europe, you’ll also need to make sure that the customer support team can be reached from outside the UK.

    Payment

    As with most insurance policies, you can pay for your caravan insurance annually in one lump sum or in monthly installments. 

    Paying for your insurance in one lump sum is usually the cheaper option since insurers charge interest for monthly installments. 

    Bottom Line

    With so many caravan insurance companies out there, it can be difficult to know which one is the right for you. 

    If you happen to look for a good caravan insurance cover, you can consider some of the best caravan insurance providers, like Caravan Guard, Towergate Insurance, SafeGuard, and SAVA, among others.

    FAQ

    How much should I insure my caravan for?

    The cover amount (and the best price for caravan insurance) depends on the caravan’s value, the contents insured, and the purpose of the caravan, among other things.

    Can I pay for my caravan insurance in monthly installments?

    You can pay for insurance in monthly installments or in a lump sum.

    Who is the best caravan insurance UK?

    The best caravan insurance for you depends on the type of caravan you have and what you want the insurance to cover. If you prefer a tailored insurance policy, you might consider Towergate Insurance. Caravan Guard might be a better option if you’re looking for standard insurance.