Best Touring Caravan Insurance Policies in the UK

Nov 14, 2025

Planning a great UK road trip? Don’t let mishaps ruin your adventure (or your caravan awnings!). The short answer: Shearings and Trident top the best touring caravan insurance UK reviews.

Curious about how much is touring caravan insurance or do you need insurance for a touring caravan? Keep reading!

Defining "Best": Essential Coverage for Touring Caravan Insurance

If you love touring the UK in your caravan, getting insurance is crucial. It protects you financially against the many risks that come with ownership and travel. From accidental scrapes to major damage, good cover means you can tour with confidence.

Grey and black inflatable caravan awning with open door attached to a caravan on a grassy field with trees in the background

Non-Negotiable Core Coverages

Public Liability Insurance (£5M minimum – often mandatory by sites)

Public liability insurance protects you if your caravan causes injury or damage to others or their property. It’s an essential part of any policy and is often required by caravan sites across the UK.

Cover for Theft, Fire, Storm, and Flood Damage (While touring or in storage)

Touring caravan insurance usually covers theft, fire, storm, and flood damage. Comprehensive policies extend this to when your caravan is in storage, pitched, or travelling between sites.

Accidental Damage Cover (While stationary, pitched, or being towed)

Accidental damage protection helps when your caravan suffers bumps, scrapes, or mishaps. It applies whether you’re towing on the motorway or parked for the weekend.

Settlement Options: New-for-Old vs. Market Value

New-for-Old Cover (Eligibility, Age Limits, and its Value Proposition)

A new-for-old policy replaces your caravan with a brand-new equivalent if it’s stolen or written off. This type of cover usually applies to newer caravans that meet the insurer’s age and ownership rules.

Market Value Settlement (When it's the more cost-effective option for older vans)

Market value settlement pays what your caravan is worth at the time of loss. It’s often the most practical choice for older or well-used models, helping keep premiums affordable.

Grey and black full caravan awning with arched windows on a white background.

The Comparison Checklist: Policy Features That Deliver Value

Specialised Touring and Contents Cover

Contents and Equipment Limits (Insuring TVs, Camping Gear, and Personal Possessions)

Touring caravan insurance may include cover for your belongings such as TVs, camping gear, and portable equipment. It’s worth checking the limits on personal possessions, especially for high-value items.

Awning Cover (Crucial: Checking for storm/wind damage exclusions when left unattended)

Policies can also protect caravan awnings. Always check the small print for storm or wind damage exclusions if left unattended — these are common clauses.

European Travel Duration (Maximum days covered when touring abroad)

Some insurers extend cover for European travel. This is ideal if you enjoy longer holidays across the continent — check how many days are included per trip.

Essential Policy Add-ons and Support

Emergency Breakdown and Recovery Assistance (Towing both car and caravan)

Comprehensive caravan insurance can include breakdown and recovery services.
If your car or caravan becomes immobile, these services ensure help is only a call away.

Alternative Accommodation/Loss of Use Cover (Paying for a hotel if the van is uninhabitable)

If your caravan is damaged and cannot be lived in, this cover pays for hotel accommodation. It means your trip can continue even after an unexpected setback.

Family and Friends Cover (Ensuring the policy is valid when loaned out)

If you lend your caravan to friends or relatives, make sure your insurance allows it. Some policies restrict use strictly to the main policyholder.

How to Get the Best Price: Maximising Discounts and Lowering Premiums

Security and Storage Discounts

Mandatory Security Devices (Hitch Locks, Wheel Clamps, and Alarm Requirements)

Security devices such as hitch locks, wheel clamps, and alarms are more than just deterrents. They also help reduce insurance premiums by lowering theft risk.

CaSSOA-Approved Storage Discounts (Gold/Platinum levels offer highest savings)

Storing your caravan at a CaSSOA-approved facility can result in significant savings.
Gold or Platinum-rated sites usually offer the biggest discounts.

CRiS Registration and Tracking Device Discounts (VIN Chip, AL-KO ATC/Secure)

Being CRiS registered or fitting a tracking device, such as a VIN Chip or AL-KO Secure system, can also reduce costs.
It gives insurers extra confidence in recovering a stolen caravan.

General Money-Saving Tips

Increasing the Voluntary Excess

Raising your voluntary excess lowers your premium, though you’ll pay slightly more if you need to claim. It’s a simple way to manage annual costs.

Joining a Major Caravan Club (e.g., The Caravan and Motorhome Club)

Joining an organisation such as The Caravan and Motorhome Club can unlock exclusive insurance offers. Members often receive tailored rates or added benefits.

Paying Annually vs. Monthly (Avoiding interest charges)

Paying for your insurance annually rather than monthly avoids interest and admin fees. It’s a small saving that adds up over time.

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Phil McEleney

Get to know me

Started CamperNation to make buying caravan and glamping gear feel simple, honest, and stress-free. Now helps customers daily with awnings, power solutions and outdoor setups. Usually found talking canvas, campsites, and why the kettle is the most important piece of kit.

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