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Caravan insurance can help you cover the cost of damage if you’re involved in an accident. But what should your policy include and how can you be confident about finding the best value for money? Here, we take a look at what features to consider and how to find great deals.
- Best caravan insurance companies
- Why do I need caravan insurance?
- How do I find the best caravan insurance?
- How do I get cheap caravan insurance?
Best, cheap caravan insurance companies
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To help you find the best caravan insurance, we’ve compared a handful of caravan insurers (Caravan Guard, Happy Place and The Insurance Emporium) that all have five-star Defaqto ratings (Defaqto is an independent organisation that monitors and compares financial products). Five stars are the maximum available and indicate policies cover important features and benefits for specific products (in this instance, for caravan insurance).
We’ve also narrowed our selection down to insurers and brokers rated at least four stars (out of five) on Trustpilot^. Choosing a policy from a specialist caravan insurer could also shave a little off your premium. Specialist insurers can also be more flexible when it comes to adding on extra features so that you can tailor a package and get the specific cover you need.
| Feature | Caravan Guard | Happy Place (RSA) | The Insurance Emporium |
|---|---|---|---|
| Recovery and Delivery | Included (UK Roadside Assistance standard) | Included (UK & Abroad recovery if damaged) | Included (Up to £1,350 on Quest / £1,150 on Voyage) |
| Emergency Accommodation | Optional (Up to £100/day for 30 days) | Included (Up to £100/day for 30 days) | Included (Up to £150/day for 21 days on Quest) |
| New for Old Cover | Optional (Up to 15 years old) | Optional (Up to 15 years old) | Included (Up to 10 years on Quest / 7 on Voyage) |
| Friends & Family Use | Included (Must be social use) | Included (Covers listed family/friends) | Included (Up to 3 family members & 2 friends) |
| No Claims Protection | Optional (Available for 4+ year NCD) | Optional (NCD Protection available) | n/a (NCD discount up to 10% applies) |
| European Cover | Optional (Standard or European extension) | Optional (Up to 240 days available) | Included (Up to 280 days per year on Quest) |
| Added Security Discounts | Included (Discounts for Alko, trackers, etc.) | Included (Discounts up to 18% for CaSSOA) | Included (Alarm and Caravan Club discounts) |
The table below summarises touring caravan insurance based on information we found in February 2026. Please confirm any coverage for yourself before buying a policy. Don’t forget that caravan policies can be tailored to suit you so it’s always worth carrying out your own research before making a decision.
‘Optional’ also includes features that are described in some policies as ‘endorsements’. These are usually specific to the schedule you agree with the insurer. ‘Limited’ applies if insurers have put in place certain conditions.
Caravan Guard
Caravan Guard is known for its "tailored" approach, allowing you to build a policy that fits your specific needs. For February 2026, the key features and benchmarks are as follows:
- Core Coverage: Comprehensive protection against fire, theft, storm, flood, and accidental damage is standard.
- Awnings: Cover for accidental damage and storm damage is available as an option, provided they are included in your equipment sums.
- New for Old: This remains a popular option for touring caravans and equipment up to 15 years old.
- Legal Expenses: An optional add-on that provides up to £100,000 to pursue consumer, injury, or employment claims.
- Public Liability: Standard protection for legal claims following accidents or injuries is included, typically with a £5,000,000 limit.
- Emergency Accommodation: You can choose options that provide up to £100 per day for 30 days (a total benefit of £3,000) so you can continue your holiday.
- Ill Driver Cover: This is a standard benefit. If the only driver becomes ill or injured in the UK, the policy covers rail fares for the driver and the cost of returning the caravan and tow car to your home.
- Replacement Locks and Keys: Provides up to £500 for replacement locks and keys for the caravan and its security devices.
You can choose to protect your no claims bonus and adjust your excess to help lower your premium.
Caravan Guard will also discount your premium if you use certain safety devices (for example, up to 15% off if you use an approved tracking system). If you don’t make a claim, you can also enjoy up to 25% no claims discount.
- Trustpilot score: 4.8 out of 5
Happy Place
Happy Place is a trading name of Caravan Guard, but reviewers suggest prices from this subsidiary are very competitive. While the core policy remains focused on simplicity and competitive pricing, a key administrative shift occurred in late 2025: the underwriter, RSA, officially rebranded as Intact Insurance in October 2025. This change does not affect existing policies or the highly-rated UK-based claims service.
- Comprehensive Protection: Covers damage to your caravan and equipment from fire, theft, storms, flooding, and accidental damage while touring or in storage.
- Emergency Accommodation: If your caravan becomes uninhabitable during a trip, Happy Place provides up to £100 per day for up to 30 days to cover hire or hotel costs.
- Awning Cover: Protection is included for storm damage to your awning as standard.
- Ill Driver Support: For UK holidays, they will arrange to tow your caravan home if the only qualified driver falls ill.
- European Extensions: Options are available to extend your cover for trips abroad for up to 240 days per year.
- Recovery and Redelivery: Included to ensure you and your outfit are not stranded after an incident.
Discounts on premiums are also available such as 15% off for approved trackers, 10% for axle wheel locks, and 18% for caravans stored at CaSSOA Gold or Platinum sites; plus, additional savings of 5% are available for anti-snaking devices, reversing aids, and specialized tyre safety systems.
- Trustpilot score: 4.8 out of 5
The Insurance Emporium
For 2026, The Insurance Emporium offer two distinct structures depending on the type of caravan:
- Touring Caravans: Three levels of cover called Trip, Voyage, and Quest.
- Static Caravans: Three levels of cover called Classic, Prime, and Elite.
Here are some of the standard and optional features:
- Lunar Monthly Premiums: A unique feature of this provider is the Lunar Monthly payment option. Premiums and cover renew every 28 days, and policies paid this way typically offer higher benefit limits than those paid annually.
- European Cover: Up to 280 days of free European cover is included in the top-tier "Quest" touring policy.
- New for Old: Standard limits vary by tier, covering caravans from 4 up to 15 years old depending on whether you choose a touring or static policy.
- Friends & Family: Policies include cover for up to three family members and two friends to use the caravan for free as standard.
- Emergency Accommodation: Benefit levels have increased for 2026; top-tier policies now offer up to £150 per day for emergency accommodation (limited to 21 days for touring and 15 days for static).
- Unique "Tweakable" Benefits: You can add specialized options like Dog Emergencies (covering vet fees if your pet is with you), Gadget Cover, and Extended New for Old.
- Trustpilot score: 4.3 out of 5
Saga
Note: Saga has discontinued new quotes for caravan insurance; existing customers can still access these benefits, but new seekers are now referred to the Caravan and Motorhome Club.
Why do I need caravan insurance?
Caravan insurance isn’t something you need by law. That said, if you don’t have cover, it’s your responsibility to pay for your own repairs if your caravan is damaged in an accident or stolen.
But that’s not all caravan insurance can help you with. Depending on the policy features you choose, you could be compensated if your belongings are stolen or damaged too. With this in mind, caravan cover can represent good value for money and reduce your financial losses should something go wrong.
Doesn’t my car insurance cover my caravan?
If you have comprehensive car insurance, your policy may provide some cover. If it does, then it will usually only compensate other people for injuries or damage to their property (third party liability). In other words, your car insurance is unlikely to cover the cost of repairing or replacing your caravan if you were involved in an accident.
How do I find the best caravan insurance?
According to NimbleFins 2026 market analysis, the average cost of caravan insurance is approximately £150 for a caravan worth £9,000. Premiums rise significantly with value, typically reaching £296 for a model worth £20,000, and £392 for a high-end caravan valued at £30,000.
The best cover for you will depend on what features are important to you; here’s what you might want to consider:
Policy features
Caravan insurance policies tend to be flexible and can be tailored to suit your needs. Generally speaking, insurance packages will cover:
- Accidental damage
- Fire, flood or storm damage
- Theft and vandalism (including your belongings)
- Third party damage
You’ll often be able to add extras to your policy for a small increase in your premium. Options typically include legal expenses which can cover costs if you want to take someone to court or need to defend yourself. European cover is often another popular add on, as well as emergency accommodation if your caravan is damaged and uninhabitable while you’re on holiday.
You should also be aware of what the policy excludes, for example, you won’t usually be covered for:
- Wear and tear – you’re unlikely to be compensated for items that stop working because of age or through use.
- Theft or damage caused by negligence – for instance, if you left a window open and your belongings were stolen.
- Permanent caravan living – you could struggle to find cover if you live in your touring caravan permanently.
New for old cover
Policies will usually give you the option of choosing ‘new for old’ or ‘market value’ cover. New for old simply means that if your caravan is written off, you’ll be compensated with a brand-new model of the same make and specification (or as close as possible). Market value policies means compensation will be limited according to the age, make and specification of your existing caravan.
As you’d expect, new for old policies typically cost more. Of course, if your caravan is stolen or damaged beyond repair, it does mean you shouldn’t lose out financially.
Budget
Caravan insurance doesn’t have to be expensive, but it is a good idea to make sure that your policy covers the features that are most important to you – even if that means paying a little more. For instance, if your caravan is relatively new and has lots of mod-cons, new for old cover could be a sensible investment to protect a vehicle that would be expensive to repair or replace.
In contrast, if your caravan is older with a lower value, a new for old policy might not represent such good value for money in the long-term.
Customer service
Customer service isn’t always top of the list when it comes to insurance but if you need to make a claim, it can be a vital element. To help you get the service you expect, it’s worth taking the time to read reviews to see what actual customers are saying.
If you can, try to read comments directly on review platforms. Reviews on insurer websites may be curated to only show the most positive feedback.
How do I get cheap caravan insurance?
Remember, cheap doesn’t always mean good value so try to work out what’s most important to you. That’s not to say you can’t find deals that offer both protection and value for money but it’s important to compare what’s out there to ensure you find a policy that fits your needs.
You can also help keep costs as low as possible by:
- Storing your caravan securely – keeping your caravan somewhere safe and secure can help cut insurance costs, for example if you can keep it in a locked garage. Alternatively, storing your caravan at a high-end CaSSOA site remains a highly effective way to lower your premium, often providing the best rates after a locked home garage. For those storing at home, 2026 data indicates that keeping a caravan on a driveway with a barrier is a key factor in achieving the lower premium benchmarks—ranging from £150 to £392—cited in our cost analysis.
- Taking precautions – keeping windows and doors locked is an obvious precaution, while keeping contents or camping equipment tucked away and out of sight can also help reduce opportunistic thieves.
- Joining a caravan club – some insurers will discount premiums if you’re part of a caravan club. Popular organisations include the Caravan Club (which has been around since 1907) and the Camping and Caravanning Club. There are also several groups which focus on specific brands, for instance the Bailey Owners Club, Elddis Owners Club, and the Swift Owners Club.
- Only buying features you need – adding extras might be tempting ‘just in case’ but they’ll also increase your premium.
- Increasing safety features – you can buy devices that help keep your caravan stable while it’s being towed (known as an ATC device). You can also buy bands that secure caravan tyres to their rims if they burst.
- Pay for your policy in full – paying for your policy in one lump sum means you avoid interest charges.
Compare Caravan Insurance
Protect your caravan today. Quick quotes just for you!