Best caravan insurance

Static caravan insurance is specialist cover for caravans that remain in one place - usually at a holiday park or on private land. Unlike touring caravan insurance, it doesn’t cover the caravan while it’s being towed. Static caravan insurance typically covers the structure of the caravan against damage from fire, storms, flooding and vandalism, as well as the contents inside and public liability. Many holiday parks require site owners to have a minimum level of cover.

Depending on your policy, car insurance will usually cover third-party liability when you're towing a caravan. This means you'd be covered if you caused damage or injury to someone else. But it won't cover damages, theft or the contents of the caravan itself. Dedicated caravan insurance provides the extra cover to make sure you're fully protected.

Caravan insurance isn't legally required, but it's highly recommended. Caravan insurance can cover damages, theft and other costs you might otherwise have to pay yourself if anything happens.

Yes, caravan insurance is worthwhile. The cost of a policy is usually a lot lower than the price of repairs or replacement if something unexpected happens. Some caravan parks might also require liability insurance cover. Even if you keep your caravan parked at home, insurance can give you peace of mind that you're protected from theft.

Yes, static and touring caravan insurance are different products. Touring caravan insurance covers your caravan while it’s being towed on the road and while it’s parked at a site. Static caravan insurance covers a caravan that stays in one location and isn’t road-towed. The risks are different - static caravans face greater weather and flood risks; touring caravans face road accident and theft risks while travelling.

Most caravan insurance policies do cover your caravan while it’s in storage, including cover for theft and weather damage. However, some policies require you to declare the storage location and may have conditions around security, such as being stored at an approved site or with a specific type of lock. It’s worth checking whether your policy covers the caravan year-round or only during the touring season.