Do You Have To Insure A Caravan?

If you’ve just bought a caravan, insurance is probably one of the first things on your mind. So let’s answer the big question straight away.

Is caravan insurance a legal requirement?

No — it’s not a legal requirement. There’s no law that says you must insure your caravan. But that doesn’t mean you should skip it.

Already decided you want cover? Get a quote here — it only takes a few minutes.

So why bother? Because caravans are expensive, and a lot can go wrong. Here are the main reasons people take out cover:

Financial protection

Whether you’re on the road or parked up, accidents happen. A collision, a break-in, or storm damage could leave you facing a hefty bill. Insurance means you’re not covering that cost out of your own pocket.

Your car insurance probably won’t cover it

If you’re towing, your car insurance may include some third-party cover — but it almost certainly won’t cover damage to the caravan itself. You need a separate policy for that.

Theft and vandalism

Caravans are a target. Without cover, if yours is stolen or damaged, you’re on your own.

Liability cover

If someone is injured or their property is damaged in an incident involving your caravan, you could be held responsible. Caravan insurance typically includes liability cover to protect you in that situation.

Is it worth it?

For most caravan owners, yes. The cost of a policy is small compared to the potential cost of replacing or repairing a caravan without one. It also just takes the worry out of your trips, which is the whole point of going away in the first place.

If you want to get an idea of what it might cost you, take a look at our guide to how much touring caravan insurance costs.