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Caravan and Motorhome Insurance UK — What You Need and How to Save

A complete guide to caravan and motorhome insurance in the UK — what's covered, types of policy, costs, and how to reduce your premium.

By PocketWise · · 4 min read

Insurance information is general guidance only. Insurance products are regulated by the FCA. Policy terms vary between providers — always read the policy document before purchasing.

Whether you have a touring caravan, static caravan, or motorhome, the right insurance protects a significant investment. This guide covers the different policy types, what’s included, and how to keep costs down.

Types of Caravan and Motorhome Insurance

Vehicle type Insurance required by law? Insurance recommended?
Touring caravan No (not a motor vehicle) Yes — strongly
Static caravan No Yes — strongly
Motorhome / campervan Yes (road-legal vehicle) Yes — legally required
Trailer tent / folding camper No Yes

Touring Caravan Insurance

What It Covers

Cover type What’s included
Accidental damage Collision, overturning, jack-knifing
Storm, flood, fire Weather damage and fire
Theft Of the caravan itself
Malicious damage Vandalism
Contents Personal belongings inside (often up to £3,000–£5,000)
Awning and equipment Awnings, satellite dishes, solar panels
Public liability Injury or damage at a campsite
Emergency accommodation If your caravan is uninhabitable
European cover Typically included for holidays abroad

Typical Costs

Caravan value Annual premium
Under £10,000 £100 – £200
£10,000 – £20,000 £150 – £300
£20,000 – £40,000 £200 – £400
Over £40,000 £300 – £500+

Static Caravan Insurance

What It Covers

Cover type What’s included
Structure The caravan itself — damage, fire, storm
Contents Personal possessions inside
Public liability If someone is injured on or around your static
Site fees Some policies cover lost site fees if you can’t use the caravan
Alternative accommodation If the caravan is uninhabitable
Decking, veranda, shed External structures and additions
Theft and vandalism Including attempted break-in damage

Typical Costs

Caravan value Annual premium
Under £20,000 £150 – £250
£20,000 – £40,000 £200 – £350
£40,000 – £60,000 £300 – £450
Over £60,000 £400 – £600+

Static-Specific Considerations

Factor Detail
Flood risk Coastal and riverside sites may have higher premiums or exclusions
Unoccupied periods Must tell insurer if empty for extended periods
Letting / subletting Need to declare if you rent it out
Site requirements Some holiday parks require specific insurance
Age limits Some insurers won’t cover statics over 15–20 years old

Motorhome Insurance

Cover level What’s covered Legal?
Third party only Damage to others, their vehicles and property Minimum legal requirement
Third party, fire and theft Above + fire and theft of your motorhome Above minimum
Comprehensive All of the above + accidental damage to your motorhome Recommended

What Motorhome Insurance Covers

Cover type What’s included
Road risks As per car insurance — accident, third party, fire, theft
Living area Fixtures, fittings, appliances
Contents Personal possessions (up to policy limit)
Awnings and equipment External accessories
European travel Typically 90–180 days per year
Breakdown recovery Often included or available as add-on
Windscreen Often included
Public liability While pitched/camped

Typical Costs

Motorhome value Annual premium
Under £20,000 (older campervan) £200 – £400
£20,000 – £40,000 £300 – £500
£40,000 – £60,000 £400 – £650
£60,000 – £100,000 £500 – £800
Over £100,000 £700 – £1,200+

Motorhome-Specific Considerations

Factor Detail
Weight / driving licence Vehicles over 3,500kg may need C1 licence (pre-1997 licence holders are fine)
Modifications Must declare all modifications — conversions, solar panels, bike racks
Limited mileage Declare estimated annual mileage — lower = cheaper
Named drivers only Most policies are named driver only
Road tax Motorhomes need vehicle tax (different rate from cars)

How to Reduce Your Premium

Tip Saving potential
CaSSOA-approved storage (touring caravans) 10%–25% premium reduction
Security devices (hitch lock, wheel clamp, tracker) 5%–15% discount
Alarm system (statics and motorhomes) 5%–10% discount
No-claims bonus Up to 30% after several years
Increase excess £250–£500 excess reduces premium
Pay annually Save 10%–15% vs monthly payments
Multi-policy discount Some insurers offer if you insure car + caravan
Caravan Club / Camping and Caravanning Club Member discounts on insurance
Limit European cover If you don’t go abroad, remove it
Agreed value Agree the caravan’s value upfront to avoid disputes

Security That Saves Money

Device Cost Insurer impact
Hitch lock £30 – £80 May be required; reduces premium
Wheel clamp £40 – £100 Reduces premium
GPS tracker £100 – £300 + subscription Significant reduction
Alarm £50 – £200 Reduces premium (especially statics)
CaSSOA storage Variable (site fees) Major reduction for touring
Window locks and deadbolts £20 – £50 May reduce premium

Specialist Caravan Insurance Providers

Provider Covers Notable features
Caravan Guard Touring, static, motorhome Specialist, competitive
Comfort Insurance All types Good for older caravans
Adrian Flux Motorhomes, campervans Good for conversions
NFU Mutual All types Strong rural/countryside cover
Saga Over 50s Age-specific deals
Caravan Club / C&CC Member schemes Club discounts

Summary

Type Legally required? Typical cost Key cover
Touring caravan No £150 – £400/year Damage, theft, contents, liability
Static caravan No £150 – £500/year Structure, contents, liability
Motorhome Yes £300 – £800+/year Road risks + living area + contents
Best way to save — — Security devices, CaSSOA storage, annual payment

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Sources

  1. ABI — Home insurance