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Average Cost of Caravan Insurance 2019

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While by law there is no legal requirement to buy caravan insurance, if you buy a policy you should pay around £150 to insure a caravan worth £9,000. Buying a policy can protect your touring or static caravan against damage or theft. While you may not be bothered about either if you own an older caravan, those with a younger or more valuable caravan may want to consider buying cover—especially since over 4,000 caravans were stolen last year, according to the AA.

Average Cost of Touring Caravan Insurance

According to our research, the average cost of touring caravan insurance is around £300 for a caravan valued at £20,000. Generally speaking, the more valuable the caravan, the more it costs to insure. Caravans worth more would be costlier to repair or replace in the event of accident or theft—hence higher insurance costs.

ValueAnnual PremiumExcess
£5,000£113£159
£9,000£150£162
£21,000£296£141
£30,000£392£136
Touring Caravan insurance costs
How much does it cost to insure a touring caravan?

Average Cost of Static Caravan Insurance

While static caravans can be more expensive to buy than touring caravans due to their size and amenities, they are usually cheaper to insure (per £ of value, that is). Static caravans are, generally speaking, less risky to insure as they won't be damaged in a car accident or easily stolen during the night (or day!) like a touring caravan might. According to our research, the average cost of static caravan insurance is just under £300 for a caravan valued at £45,000. These quotes do not include any contents cover. While contents cover can sometimes be purchased as an add-on feature to caravan cover, your home contents insurance might already cover your possessions away from home.

ValueAnnual PremiumExcess
£35,000£237£178
£45,000£284£167
£55,000£326£167
Static Caravan insurance costs
How much does it cost to insure a static caravan?

While it may not be required by law, buying caravan insurance can help you protect this valuable accident against theft or damage, and many caravan owners include this cost in their budget for annual caravan ownership costs.

Methodology

To arrive at our average cost analysis, we gathered dozens of online quotes for touring and static caravan insurance. For the touring caravan, we priced policies for a Coachman Vision with twin axles, a factory-fitted alarm and a tracking device. It is stored with a wheel clamp in a CaSSOA site with perimeter fencing, security gates and CCTV for protection against theft. The owner has 5 years of No Claims Discount. For the static caravan, we priced policies for a Regal Elegance with no contents cover that is used for personal family holidays only. Those considering a motorhome may want to read about the cost of motorhome insurance to see how it differs from caravan insurance.


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Protect your caravan today. Quick quotes from over 45 insurers.

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