Overview
There’s nothing like a classic caravan holiday, whether you’re exploring at home or away. However, if you don’t want anything unexpected to ruin your caravanning experience, you need the right insurance.
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Caravan Insurance
Caravan Insurance
Find the right cover to suit you.
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Insurance For Both Static And Touring Caravans.
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Full Comprehensive Cover Available.
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UK-Based Insurance Experts.
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What does caravan insurance cover?
While specific coverage can vary between insurance providers, here are some common elements typically included in caravan insurance policies:
- Accidental damage cover for repairs or replacements for accidental damage to your caravan, such as collisions, fire, theft, vandalism, or severe weather damage.
- Contents cover for personal belongings and contents inside your caravan, such as furniture, appliances, electronics, clothing, and other valuable items. It protects against theft, damage, or loss.
- New-for-old cover for the replacement of damaged or stolen items with new equivalents, as long as they are still available on the market.
- Legal expenses for costs related to disputes arising from your caravan, such as contractual disputes, recovery of uninsured losses, or pursuing compensation for injuries sustained in accidents caused by others.
- Emergency accommodation if your caravan becomes uninhabitable due to an insured event, this coverage will help cover the cost of alternative accommodation, such as hotel stays or temporary rentals.
- European cover for when you tow your caravan in the EU, EEA, and Schengen areas – please note that this is to cover your caravan only and is not a form of travel insurance.
What is the difference between a static and touring caravan?
A static caravan is permanently stationed in one location, such as a holiday park or campsite. These caravans are designed for longer stays and are often larger and more spacious.
However, touring caravans are different as they are designed to be towed behind a vehicle and for travelling to different locations. Since they’re made to be on the move, touring varieties are generally smaller and more compact.
When it comes to insurance, there are different policies available for each type of caravan, so it’s important to choose the right one based on your needs.
For static caravans, you may need to consider an additional policy to cover fixtures and fittings, while for touring caravans, you will need insurance for accidents and damage in transit.
Please be aware that motorhomes cannot be covered by caravan policies, so you will need specialist motorhome insurance.
Do I need to register my caravan with CRiS?
While it is not a legal requirement to register your caravan or motorhome with CRiS (Caravan Registration and Identification Scheme), it is highly recommended.
By registering your caravan with CRiS, you will receive a unique identification number that is linked to the caravan’s details and your ownership.
Registering your caravan allows it to easily be identified if stolen and will ensure that there is a documented history of a previous owner if you decide to sell it.
How do I prove ownership of a caravan?
To prove ownership of a caravan, you will need to provide:
- A purchase receipt or invoice to show that you have bought the caravan.
- Any registration documents with information including the make, model, and year of manufacture.
- Your CRiS (Caravan Registration and Identification Scheme) documents and identification number.
It’s important to keep these documents safe and secure, as you will need them to make an insurance claim or if you decide to sell your caravan.
If you have any questions about proving ownership of your caravan and your insurance, don’t hesitate to call us on 0800 107 1565.
Cover Options
Our insurers can cover:
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Coverage for loss or damage to personal belongings in your caravan due to fire, lightning, explosion, theft, or attempted theft.
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Comprehensive coverage for your caravan when used by you or your family for social, domestic, and pleasure purposes.
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Coverage can extend to periods when the caravan is not in use, including your home address and the designated storage location mentioned in your schedule.
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Depending on your policy, varying levels of expenses are offered to cover alternative accommodation needs.
What's not included:
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Coverage does not extend to damages caused by wear and tear resulting from the ageing or use of your caravan.
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Individuals driving your car to tow your caravan without a valid driving licence or those disqualified from driving are not covered.
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Damages caused by water escaping from freezing water/heating systems are excluded.
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Events such as earthquakes, riots or civil unrest, radioactive contamination, war risks, terrorism, pollution, and contamination are not covered.
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Damages caused by your pets may not be covered.
The above is not a comprehensive list of all the coverage available on the same policy. It is a guide to what may be covered, depending on your policy, insurer, and circumstances.
Our team is trained and authorised to provide advisory services to help ensure a policy meets your requirements. We will take the time to understand your specific needs and thoroughly explain the coverage available via your policy and insurer – including any applicable limits and exclusions.
Why Choose Us?
Here are just some of the reasons why you should get a quote with us.
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Changes to Your Policy
If you need to change your caravan insurance policy, our friendly team is only a phone call away and happy to help.
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Policies at Affordable Prices
Our insurance experts will always find you the lowest price possible on the correct cover. However, if you send proof you’ve found a cheaper like-for-like quote in 48 hours? It’s money-back guaranteed.*
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Hassle-Free Renewals
Renewals are always simple with us. We’ll compare the policies you need and find the most up-to-date offers to get you the best quote on the market.
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Trusted Panel of Underwriters
As one of the UK's leading insurance brokers, we will find you the coverage you need at the best price.
*Take out an insurance policy with One-Sure Insurance, and if you find a cheaper Insurance quotation within 48 hours, subject to written proof being received that the Insurance quotation is on a like-for-like basis, we will cancel the Insurance policy and issue you with a full refund.
Frequently Asked Questions
Is caravan insurance a legal requirement?
It isn’t a legal requirement to have caravan insurance, but it is worth protecting your investment with a specialist caravan policy.
Having the correct insurance means your pride and joy will be insured whether you keep your caravan at home, on-site or you’re in transit between locations.
Will my home or car insurance cover my caravan?
Sadly, many people believe that their caravan will be covered by their home insurance if it is kept on the driveway or even their car insurance on the road. Unfortunately, this misinformation is often spread via word of mouth, which often leads to caravan owners being out of pocket when the unexpected occurs.
Your house insurance cannot cover your caravan. While it might cover some of the contents of your caravan depending on your policy, it won’t cover your caravan itself on the driveway – even if it is damaged in the event of a fire or flood, or if someone attempts to steal it.
Additionally, a car insurance policy will be unable to offer the level of specialist cover tailored for caravans. Some car insurance policies will provide third-party coverage for the other person involved if there is an accident while you are towing your caravan. However, this means that it would be your responsibility to pay for your caravan’s repair costs – which can be extremely expensive.
Do you have to register a caravan with DVLA?
A touring caravan won’t be classed as a vehicle as it has no engine and will be towed by your car, so it’s not a legal requirement to register it with the DVLA.
Do all caravans have a CRiS number?
Some caravans manufactured before 1992 or imported models, may not have a number.
Most modern caravans that are manufactured after 1992 are likely to have a CRiS number.
Many caravanners have opted to register their older models for extra peace of mind and proof of ownership.
Where do I find the CRiS number on a caravan?
Many caravans have a small CRiS sticker, showing the ID number on one of the windows or it is etched discretely on the caravan’s body.
You can also find the CRiS number in your registration documents, which you should have received straight after purchasing your caravan.
How much is touring and static caravan insurance?
The cost of caravan insurance will change depending on many factors. When calculating your premium, we consider where your caravan is stored, the level of cover you need, and your own driving history, along with many other elements.
With our expertise and experience, we can find the right caravan insurance to suit you and answer any of your questions. Call us now on 0800 107 1565 for a free quote and discover how much you can save on your premium today.
