Insuring your caravan or trailer

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Find the right cover for your home-from-home with our guide

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Whether you own a static caravan on the coast or take your touring caravan across the country, visit Bessie in Skegness every few months or are constantly on the road towing Maude, there’s the right insurance for you. 

Read on to find out which insurance could be the right option for you.

Different types of caravan insurance 

It is vital that you have the right insurance for protecting your caravan or motorhome; it's not just road accidents you need to think about, there's also theft, vandalism and damage from incidents such as cooking fires.

Regardless of its shape and size, there’s the right insurance for your caravan. 

Touring caravan insurance 

If you own a touring caravan and are always on the road, then you need insurance that covers you for accidents that could happen while your caravan is in transit. 

Static caravan insurance 

In some ways static caravans come with less risk as they are never taken onto the road, but they also need the right insurance to cover any contents that you leave in them. 

Trailer insurance 

Camper trailer tents and folding campers can be an easier alternative to caravans; they’re lighter and lower, so don’t impair visibility as much as a caravan. They also need their own insurance. 

Compare caravan insurance 

Admiral doesn't provide specialist caravan or trailer insurance, but Confused.com can provide caravan insurance quotes for touring caravans, static caravans and motorhomes, and lets you compare features as well as prices.

Do I need insurance to tow a caravan or trailer? 

towing-a-caravan

Before you set off with your towing caravan, make sure you have the right insurance to protect both your car and your caravan. 

While many insurance policies include third-party cover for trailers, some do not offer cover for caravans. You may be able to buy additional cover as an add-on, or you might have to take out specialist cover. 

For Admiral Car Insurance policyholders, the trailer/caravan is insured as standard with third party only cover while attached to the car.

Read our guide to towing a caravan in the UK or abroad to find out more and read our guide to towing safely.

Protecting your possessions in your caravan

Make sure you have cover for all the expensive equipment and gadgets that you may take on holiday in your caravan.  Your home insurance may cover your possessions away from home, but it’s essential to check. If you’re taking bicycles along for the ride make sure they are covered too, either under your home insurance or with bike cover. 

Tips for caravan security 

You may think that security isn’t a concern if you’re on an enclosed caravan site, but many sites including public walking paths that could mean members of the public have easy access to your caravan. 

Make sure it’s locked when you’re not inside, and that you don’t store any valuables in an awning during the day or overnight. 

Consider installing security devices like an alarm or wheel clamp. 

Taking your caravan to Europe

a-car-driving-a-caravan-through-the-alps

If you want to take your caravan further than the coast and are considering travelling to the continent, make sure your insurance includes European cover. 

This cover may be limited to a certain number of days, so make sure you’re protected for the full duration of your trip if you’re considering travelling for a longer period of time. 

Don’t forget to get travel insurance for your jaunt too, and make sure that your personal possessions are covered while you’re travelling.

Do you need to join a caravan club?

Formed in 1907, The Caravan Club is probably the biggest dedicated club for caravan fans in the UK

Its membership currently stands at just over 375,000 families, representing around one million caravanners, motorhome owners and trailer tent owners. Their website is a one-stop shop for site recommendations, expert advice and training and events listings.

The Camping and Caravanning Club, the world's oldest and largest club for all forms of camping, has more than 500,000 members. This club's services are developed by people who share a love of camping and caravanning.Members can take advantage of one of the 3,000 member-only weekend meets as well as discounts at 110 UK club sites.

Before you make up your mind on which club to join, why not browse the many clubs on offer - just as there are clubs for specific car models, there are clubs for specific caravan models, motorhomes and trailer tents too. You can also choose your club by region if you wish, or by special interest. Clubs 4 Caravans has a comprehensive list of what's available in the UK.

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