Caravan Insurance

Caravan insurance offers you financial protection against loss or damage to your caravan. Whether you’ve got a touring caravan, or own a static caravan or park home, we can protect your investment from a wide range of eventualities.

Please log in or register to our portal for caravan insurance brokers.

Whilst caravan insurance is not a legal requirement it is important to note that your car insurance may only offer a basic level of third-party liability for your trailer tent or touring caravan. If you own a static caravan many holiday parks will ask that you have at least a basic level of caravan liability insurance if you want to keep your caravan there.

It is important to protect yourself from the risks that can come with owning a caravan, such as theft, accidental damage, storm damage, and fire. Having this cover will give you peace of mind and could save you a great deal of stress and money should anything happen.

Caravan insurance can cover against accidental damage to your caravan, whether you have a static caravan, touring caravan or trailer tent, and can even protect you against damage when towing your touring caravan or trailer tent.

You can also extend your accidental damage cover for touring caravans to cover you for mishaps while you’re on site, such as damaged awnings.

Your caravan insurance policy will also protect you from theft, fire damage and third-party liability so you can relax and enjoy your holiday.

Absolutely, you just need select the correct site description when completing your quotation. If you rarely tow your caravan or it is permanently sited then you have the option to select limited cover under ‘How often do you use your caravan?’ when you complete your quotation.

I want to make changes to my renewal, do I need to call you or am I able to make the changes online?

If you purchased your policy after June 2017, you can view, amend and purchase your renewal in your online portal under the ‘My Account’ section.

We’ve seen all sorts of makes, models, designs and modifications over the years. In most cases, you’ll find your caravan make within the drop down menu when you get a touring caravan quote, but if isn’t there then give us a quick call on 01242 538 431 and we can confirm whether we can provide cover.

Our caravan insurance policies cover a variety of different risks. Therefore, it's difficult to give an average cost. One way which can help to reduce your caravan's premium however is to ensure that it has adequate security measures in place.

This is dependent on a number of factors related to the type of caravan you own, where you store and take your caravan, and what you want to be covered by your policy. If you are unsure what type of cover you need for either your touring caravan, static caravan or trailer tent, call our team of expert advisers and we can talk you through the details so you can make an informed decision.

If you passed your driving test after 1st January 1997 on a standard driving license, if your trailer is less than 750kg you can tow with a vehicle that is within the maximum authorized mass (MAM) of 3,500kg, if your trailer is over 750kg the combined trailer and vehicle MAM must be no more than 3,500kg. If in doubt, visit this helpful government site on towing.

The full list of exclusions will be laid out in your policy documents. Two examples of common exclusions are:

• Touring caravan - electronic equipment is generally not covered in our touring caravan and trailer tent policies; however, these devices are often covered under your home insurance so it's worth checking with your provider.
• Static caravan - loss or damage while the structure is unoccupied, unless there is forcible and violent entry into or exit from the structure

Please see the page for your specific vehicle above to find more details:

• Touring caravan
• Static caravan
• Trailer tent
• Motorhome
• Park home
• Mobile home
• Holiday lodge

It is crucial to look after your caravan’s gas fittings to ensure they run smoothly and safely. Watch our video.

Worn, cracked or balding tyres can lead to increased fuel consumption, poor handling and braking, and even a highly dangerous blow-out when towing.

There are several things you can do to check your tyres to make sure they are in a fit condition for the holidays ahead.

Checking the pressure is an essential step before any long trip, and this should be done when the tyres are cold. Furthermore, you should ensure that the valves are not leaking and the valve cap is properly fitted before setting off.

If you are about to set off on your first trip of the year, then it is crucial to check for any winter damage, especially if you have not used winter wheels to relieve the pressure on the tyres. Check for any bald patches, and make sure the tread depth is at least 1.6mm across the full tread width - this is the minimum Summer legal requirement throughout Europe. You should ensure that the valves are not leaking and the valve cap is properly fitted before setting off.

On the other hand, if you have taken your tourer out for a winter trip, then it's important to check for any salt damage to the tyres that may have been caused by towing when the roads were gritted.

Towergate caravan insurance expert Oliver Babbage has the following advice: "We get a small number of blow-out claims every year and those claims can only be the result of tyre defects of some shape or form. This could be due to the wrong pressure, worn tyres, excessive load or speeding, and they could potentially be quite nasty."

"In the main we get claims relating to damage to caravans, when bits of flailing tyre can put a hole in the caravan just above the wheel arch. Although, sometimes the owner cannot keep the vehicle under control and there are inevitable consequences."

"The owners just need to maintain the tyres on the caravan in the same way that they do for their car. Some people do allow their caravan tyres to endure a longer life than perhaps they should. With caravan tyres, it's important to make sure that they're in good condition, not perished and at the right pressure."

If you would prefer to spread the cost of your policy you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments through our preferred provider, Premium Credit Limited (PCL).

To find out more about PCL and direct debit payments, select Direct Debit.

To understand more about how PCL work together with Towergate, please read our Regulatory Information.