March 21, 2024

Is caravan insurance a legal requirement?

By Bethan Harper

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Caravanning is a popular pastime for many, offering freedom, adventure and a chance to explore the beauty of the countryside.  

Whether it’s a classic touring caravan or a static caravan, a lot of time and money goes into running and maintaining these mobile homes for the ultimate travel experience.  

However, with the joy of caravanning comes the responsibility of ensuring its protection and safety on the road and at rest stops. And, as with any valuable asset, understanding the legal obligations and protections surrounding caravan ownership is crucial. 

For caravan owners, the landscape of insurance and legal requirements can be complex and overwhelming, particularly questions about the necessity, implications and potential consequences of being insured or uninsured. 

So, beyond personal choice and financial prudence, are there any legal considerations to consider? 

This article delves into the nuances of caravan insurance in the UK, exploring the legal landscape and shedding light on why you might want to consider insuring your caravan.  

We’ll cover: 

is caravan insurance a legal requirement?
Caravan driving down a coastal road

What does caravan insurance cover? 

Caravan insurance is designed to safeguard caravan owners both on the move and during periods of storage. These policies commonly provide financial safeguarding against a variety of events, including:  

  • Theft 
  • Vandalism 
  • Fires 
  • Lightning 
  • Explosions 
  • Earthquakes 
  • Storms 
  • Water damage from floods 
  • Damage caused by malicious individuals. 

Furthermore, coverage often extends to personal belongings housed within the caravan, ranging from clothing to electronics.

In addition to these core protections, caravan insurance may include public liability coverage, offering a safety net in the event of injuries to others while utilising the caravan.  

Moreover, if circumstances prevent you from residing in the caravan due to loss or damage, certain policies can provide financial support for alternative accommodation to ensure your holiday continues uninterrupted, a feature known as ‘loss of use.’  

For added peace of mind (depending on the type of policy purchased), policyholders may have the option to include supplementary features like breakdown assistance, legal expenses coverage, and European travel coverage for those embarking on journeys abroad. Given the variability in insurance offerings between providers, it is imperative to meticulously scrutinise policies to ascertain the precise extent of coverage provided. 

Is caravan insurance a legal requirement? 

It might come as a surprise to discover that caravan insurance isn’t mandatory by law. However, it’s essential not to dismiss the advantages of purchasing a policy.  

Opting for insurance not only provides reassurance that you’re financially protected in case of unforeseen incidents affecting your caravan or disrupting your travel arrangements, but also some caravan parks stipulate insurance as a prerequisite for using their site;this is particularly common for static caravan parks (Park Dean Resorts, 2024). 

Consequently, lacking insurance coverage could potentially complicate your search for suitable sites, particularly at short notice.  

Also see: Static caravan insurance explained

Is caravan insurance worth it? 

Everyone’s situation is different and what makes caravan insurance worth it for one person might not convince another. So, whether you consider purchasing a policy worth it or not, it’s entirely up to you. 

However, if your caravan is damaged, you might find yourself in a tricky financial situation without it (providing the damage incurred is covered by your policy).  

According to Checkatrade (2023), without an insurance policy, water damage caused by a flood could cost you up to £225 to repair (and that’s not considering there’s no guarantee this type of damage won’t happen again.) 

And, if you find the damage to be extensive, you might decide the caravan is not habitable, leaving you potentially paying hundreds for alternative accommodation.   

At Save More Money, you can get touring caravan insurance from an annual cost of £75 (plus IPT) and static caravan insurance from £65 (plus IPT), which could save you money in the long run.  

is caravan insurance a legal requirement?
Touring caravan at a caravan site

Can I buy caravan insurance online? 

Yes! No matter whether you own a touring or static caravan, there are plenty of online insurance policy options.  

And, with so many providers to choose from, there’s bound to be something that suits your financial needs and covers your needs.  

If you’re looking to view and compare a range of options all in one place, you might want to consider using a third-party comparison tool, which will allow you to easily compare coverage levels, premiums and additional benefits offered by insurers. 

Also see: Do I need touring caravan insurance?

The bottom line 

The bottom line is that, while caravan insurance isn’t a legal requirement, it could really come in handy from both a financial and convenience standpoint.  

So, if you’re looking for a caravan insurance policy that will cover you for public liability, damage caused by water damage, floods, fires, malicious damage, and loss of use, Save More Money’s caravan insurance options could be the right choice for you. 

Check out our touring caravan insurance from £75 per year (plus insurance premium tax) and our static caravan insurance from £65 per year (plus insurance premium tax).


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