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Caravan Insurance

Caravan Insurance

Tailor your caravan insurance cover to suit your lifestyle
Offers peace of mind to enjoy the leisure time you have earned
24/7 caravan insurance emergency claims service

Cover in more than 20 countries
Over 20 years of holiday home expertise
24hr emergency claims helpline
Cover for unoccupied properties included

Protect Your Caravan In The UK And Abroad With Caravan Insurance

Intasure are caravan insurance specialists. We can provide cover to help protect against risks such as damage, theft, and natural disasters. Whether your caravan is occupied or not, we’ll work with you to help you find a suitable level of protection.

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Caravan Insurance Cover Available

Static Caravan Insurance

Protection and cover for static caravans.

Static Caravan Insurance
Touring Caravan Insurance

Tailorable insurance for touring caravans.

Touring Caravan Insurance

Our Services

Intasure works with an established partner to provide flexible insurance options.

What Are The Different Types Of Caravan Cover?

New for old: If your caravan is damaged beyond repair or stolen, we can replace it with a brand-new, like-for-like model.
Market value: This type of insurance can pay out the current worth of your caravan at the time of a claim. It’s often cheaper than new for old cover.

What Can Caravan Insurance Cover?

Intasure’s caravan insurance policy can offer cover if your caravan or its contents are damaged in an accident or stolen. It can also cover you if your caravan causes any damage or injury to property or third parties. For example, if your caravan is involved in a collision.

Generally, cover for caravans includes the following:

New for old or market value:

Can replace old caravans with a new model or pays you the market value of your caravan if it’s lost, damaged, or stolen.
Contents:

Can cover the cost to repair or replace caravan contents, including personal belongings.
Public liability:

Can pay for fees associated with public liability claims, such as accidents and injuries.
Accidental damage:

Can insure you against accidental damage to your caravan and its contents — this is especially important if you let it out.
Natural disasters:

Can cover the cost of damage to your caravan due to fires, floods, and storms.
Alternative accommodation and pitch fees:

Can cover the cost of alternative accommodation and pitch fees if your caravan or mobile home is unliveable.

Every caravan has different risks, so speak to our dedicated team to compare caravan insurance cover. We’re here to help you find suitable protection.

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What Countries Can Be Covered By Caravan Insurance?

Intasure provides caravan insurance across the UK and select countries within Europe. As specialists, we can arrange policies suited to your circumstances and travel locations.

Our static caravan cover is available for the following countries:

View a list of countries we cover

France Greece Italy Portugal Spain UK (England, Scotland, Wales, and the Isle of Man)

Remember that restrictions and exemptions in each location may affect your insurance. That’s why it’s a good idea to speak to our team to help find cover against possible risks.

Tips To Reduce The Cost Of Caravan Insurance

Here are some practical ways to help lower your caravan insurance costs

Choose a higher excess: Paying a higher excess in the event of a claim can lower your premium.
Improve security: Adding security features like wheel clamps, hitch locks, alarm systems or tracking devices can signal to insurers that your caravan is at lower risk, helping to reduce your premium.
Choose a secure site: Keeping your caravan at a secure storage site can lead to cheaper premiums.
No claims history: Having a clean claim record can show insurers that you’re lower risk, which can lower your premium
Only get the cover you need: Avoid over-insuring by reviewing what’s included in your policy. For example, if you don’t take your caravan abroad, you might not need European cover.

What Our Customers Say About Us

Excellent

Based on 148 reviews

Why Choose Caravan Insurance From Intasure?

At Intasure, we offer policies tailored to your requirements. Our UK-based customer service team work with you one-on-one to help you find suitable cover for your caravan.

With over 20 years of experience, you can rely on us for specialist help finding a suitable policy. This level of care has led us to be rated Excellent on TrustPilot.

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Here’s what to expect when you take out a policy with us:

Specialist caravan and holiday home insurer
Tailored policy to your needs
Public liability insurance is included in all policies as standard
New for old or market value cover available
Protection whether your caravan is occupied or unoccupied

Get A Caravan Insurance Quote

Getting a quote is simple with Intasure. We’ll just need a few details about yourself, your caravan, and the level of cover you require.

The information we’ll ask for will likely include:

Personal details, such as your name and date of birth
Your caravan make and model
Your caravan’s year of manufacture
How you intend to use it
The value of your caravan and whether you require new for old cover or market value cover
Its security details
Whether your caravan has decking or resisting fees

Call or get a quote and purchase your policy online

What Our Specialists Say

“Whether you own a tourer or static they both come with their own set of risks, that’s why it is important that you have suitable cover that gives you peace of mind. Caravans are valuable assets, and repairing or replacing one after an insured incident or theft can be costly.

At Intasure our team of specialists can help arrange caravan insurance cover for a variety risks, including theft, accidental damage, fire, and even liability claims in the event your caravan causes damage to someone else’s property or injures another person.

When choosing a policy, consider the value of your caravan, how often you use it, and where it’s stored. These factors can influence the type and level of coverage you need”

Rob Grant
Sales and Service Manager

View Rob Grant's profile

Caravan Insurance FAQ

Please note that these frequently asked questions are not a substitute for the policy wording. For full terms and conditions please see the policy documentation.

What is caravan insurance?

Caravan insurance helps protect you and your caravan if something goes wrong. For instance, if your caravan and its contents are stolen or damaged, or if there’s an accident. Caravan insurance can offer financial protection to help replace stolen items and repair damage. It can also help to cover compensation fees following an insured claim.
Do I Need Caravan Insurance?

Perhaps you’re assessing your budget and asking whether it’s really worth having caravan insurance. While it’s not a legal requirement, it can offer useful protection, particularly in situations where other types of cover fall short.

For example, if your caravan is damaged while being towed, your car insurance generally only provides third-party cover. That means any damage to your caravan wouldn’t be covered if you’re at fault in an accident. The same applies if it’s stolen or damage when it’s detached from your car. In both cases, you could be left to foot the bill without suitable caravan insurance.
How Much Cover Do I Need For My Caravan?

How much cover you require depends on many things. For example, the value of your caravan will need to be considered, as well as its location and whether you rent it out. You’ll also need to choose whether you want new for old or market value cover.
How Much Does Caravan Insurance Cost?
The cost of caravan insurance varies depending on several factors, including:
- Where your caravan is parked and stored: The locations you visit can impact your premium and how many security features are present, such as cameras.
- The age and upkeep of your caravan: You’d typically expect to pay a lower premium for a newer caravan with fewer miles on the clock.
- The size of your caravan: Caravans and static homes with large floor plans are likely to attract higher premiums.
- The value of your contents: Static caravans and tourers with high-value contents may have higher premiums, so avoid storing valuables on board if possible.
- The value of your caravan and type of cover: Be aware that choosing new for old cover will require a valuation based on the cost of a brand-new model, while market value cover will need a valuation of the same make and model in its current condition. As such, the market value cover can lead to cheaper premiums.Note for Intasure: Information on average policy amounts would be very useful.
Can The Site My Caravan Is On Make A Difference?
Yes, the location of your caravan can affect the cost of your insurance. Insurers take several factors into account, including:
- Security: A well-secured site with controlled access, CCTV, or a CaSSOA accreditation can reduce your premium.
- Flood risk: If the site is in a flood-prone area, insurance is likely to cost more.
- Exposure to harsh weather: Locations exposed to strong winds, storms, or heavy snowfall may also increase the risk of damage and, in turn, your premium.
Is Caravan Insurance A Legal Requirement?

Insurance cover for caravans isn’t a legal requirement in the UK, but that doesn’t mean you shouldn’t consider it. Owning a caravan comes with risks, including accidental damage, theft of belongings, and public liability claims, especially if you rent it out to holidaymakers.

Without insurance, you may be personally liable to cover fees. These costs can be expensive, particularly if they involve replacing your entire caravan and its contents.
Does Caravan Insurance Cover Contents?

Yes, most caravan insurance policies include contents cover, helping to protect the personal belongings you keep inside your caravan. You can usually choose new for old cover if your contents are stolen or damaged beyond repair, they can be replaced with brand-new items of the same kind (or closest equivalent).
Does Caravan Insurance Cover Weather Damage?

Yes, caravan insurance can provide cover for weather-related damage, which can be a common risk, especially when your caravan is stored outdoors. This can include storm damage, flood damage and snow damage.
What’s Not Covered By Caravan Insurance?
The following things are not covered by our caravan insurance:
- Any loss, damage, liability, cost or expense of any kind caused by or resulting from poor or faulty design, workmanship or use of faulty materials
- Loss or damage caused by insects, birds, vermin or domestic pets
- Any loss, damage, liability, cost or expense of any kind directly or indirectly caused by, resulting from or in connection with any act of Terrorism
- Loss or damage by storm, flood or weight of snow unless your leisure home is securely anchored at all four corners of the chassis
Will My Caravan Still Be Insured If I Leave It Unoccupied?

Our static home and mobile home insurance policies can cover periods of unoccupancy, but whether you’re covered can depend on your policy.

Homeowners must tell us if their caravan has been unoccupied for 180 consecutive days or more. Unfortunately, if you have a park home policy, accidental damages and losses aren’t covered while your property is unoccupied.
Can I Let My Caravan Out With Caravan Insurance?

Our policies include public liability cover up to £2.5 million as standard. It means if an insured claim arises from a guest who experiences injury, illness, or death while staying at your caravan, it can help cover the costs.

If you’re residing or staying at a holiday park, you may wish to consider whether the park allows rentals. Some park homes restrict or don’t allow any form of letting, so you may want to check beforehand.

If you let your caravan, you might also benefit from our unoccupancy cover. This can help provide protection for your caravan whether you’re present or not, but exemptions apply. You can read the policy wording for full conditions and exclusions.
Is It Illegal To Tow A Caravan Without Insurance?
Is It Illegal To Tow A Caravan Without Insurance?

In many jurisdictions, it is not illegal to tow a caravan without specific caravan insurance, but there are important considerations to keep in mind:
- Vehicle Insurance: The vehicle doing the towing must be insured. Most standard car insurance policies cover towing a caravan, but it’s essential to check with your insurer to ensure that your policy includes this coverage.
- Liability coverage: While towing a caravan, you should have liability coverage in case of accidents or damage caused to third parties. This is typically covered under your vehicle insurance, but again, verification with your insurer is necessary.
- Caravan insurance: While not legally required, having separate caravan insurance is advisable. This type of insurance can cover damages to the caravan itself, theft, and other risks that may not be covered under your vehicle insurance.
- Roadworthiness and safety: Legal requirements often focus on the roadworthiness and safety of the caravan, such as ensuring it is properly hitched, has functioning lights, and adheres to weight limits.
- Local laws: Laws and regulations can vary significantly by country or region, so it’s important to check local laws regarding towing and insurance requirements.
While it may not be illegal to tow a caravan without specific caravan insurance, having adequate coverage is a sensible consideration to protect yourself financially in case of accidents or damage. It’s advised to consult with your insurance provider to understand your cover options and obligations.
How Do I Make A Claim?
To make a claim, first read the policy and schedule to check that you’re covered. To register a claim, please download a claim form, complete it and return it to Intasure.
- Claims office hours: Monday – Friday: 8:30 am – 5:00 pm
- 24hr emergency claims phone number: +44 (0)345 111 0680
- Personal claims email: claims@intasure.com