Touring Caravan Insurance

5 Star Specialist cover with discounts for careful owners

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Protect your touring caravan against accidental damage, theft, storm, fire and flood. Get reassurance with a policy backed by a leading UK insurer, RSA. All with up to 50% in discounts for careful owners.

If you're looking for static caravan insurance, please click here.

Fantastic value and great benefits

As a customer, we'll make sure you get the best value caravan insurance deal and discounts you deserve. Caravan Guard offer low prices to reward our careful owners.

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Our touring caravan insurance customers have left over 4500 reviews on Smartmoneypeople.com with an average review score of 4.96/5 (July 2025)

Up to 25% no claims discount
Up to 18% storage discount (home/CaSSOA)
15% approved tracking discount (e.g. Swift Command)
10% axle wheel lock device (e.g. AL-KO Secure)
Up to 10% for caravan owners over 30 years old
5% electronic anti-snaking device discount (e.g. AL-KO ATC)
5% tyre safety devices (Tyron bands, tyre pressure monitors and tyre sealant)
5% alarm discount
5% reversing aid (camera or sensor)
Up to 5% extra security marking (e.g. VIN Chip Plus 5%, Other 2.5%)

Award winning

Caravan Guard give you friendly expert advice from our Yorkshire based team. Our award winning training programme for advisers ensures you receive great customer service.

Recent awards achieved by Caravan Guard - including Customer service champion at the Insurance Choice Awards 2022

View all our awards and commendations here

9 /10

Our claimants rate our overall claims service 9/10 on average!

What customers think of our claims service

I can’t thank you enough for the excellent service we have received from Caravan Guard. Mr Murphy Caravan owner from the Cotswolds

Mr Murphy, Cotswolds
19/11/2025

5/5 stars

Extensive cover

Caravan Guard's 5 Star rated tourer policy comes with the reassurance of extensive cover backed by a leading UK insurance provider, (Royal & Sun Alliance Insurance Ltd).

You can tailor your levels of cover with options to suit your needs.

Extensive cover whilst touring or in storage
Reassurance of cover for fire, theft, storm, flood and accidental damage.
Awning storm damage
Cover for both your caravan and awning if damaged by bad weather.
New for old option up to 15 years old
Enjoy a new caravan and equipment if yours is damaged beyond economic repair or stolen
Highly rated claims service in the UK
Our experienced team of experts at RSA will settle your claim quickly and efficiently.
Protected no claim discount option
Help to keep your premiums low, even if you have to claim.
24 hour emergency assistance and recovery, even when abroad
When crisis strikes a specialist team will always be on hand to help.
Legal expenses cover option up to £100,000
To pursue injury, consumer and employment claims and recover uninsured losses.
£5,000,000 public liability cover
Protection for legal claims made against you following accidents, injuries or damage.
Emergency accommodation or caravan hire options
Benefit from up to £100 a day for 30 days so you can continue your holiday.
European cover options*
Enjoy the freedom to take trips abroad for up to 180 days, or pay to extend this up to 240 days.
Ill driver cover
Including getting your caravan home from anywhere in the UK if the only driver falls ill.
Flexible excess from £100
You can increase your excess to reduce your premium.
£25,000 fatal accident benefit
A little extra peace of mind provided by a lump sum payment.
£500 locks & keys cover for caravan & security devices
Stay secure with replacement locks and keys following loss or damage.
Family and friends
Feel free to loan your caravan knowing that the same extensive cover applies.
14 day money back guarantee (subject to no claims)
Our plain English policy comes with the reassurance of a satisfaction guarantee.

Heart Research UK logo

Plus, for every paperless caravan policy we provide, we will donate £1 to our chosen charity – Heart Research UK.

This website provides a brief summary of the policy cover and options that are available to you. Your schedule will confirm cover features and levels applying. Benefits and discounts are subject to change and are subject to terms and conditions, cover level and underwriting criteria. Minimum premiums apply. For more information you can download a specimen policy or policy summary from our touring caravan insurance documents section. New for old option available on fifth wheelers up to 5 years old only, and the alarm, axle wheel lock, anti-snaking device, security marking, tyre safety and reversing aid discounts do not apply to fifth wheelers.

I'm with Caravan Guard because...

"Platinum standard service"

We were unfortunate recently to have our porch damaged beyond economical repair. We decided to place a claim against our insurance to have it replaced. We contacted the claims dept on 19th May at about 09:30 am. We provided the information requested, and we were advised that we would be contacted within 24/48 hrs.

On the 20th at 10am or thereabouts we had the word that the claim was approved. By 3pm, we had our replacement ready for our next trip out. That can only be classed as PLATINUM standard service. The claims handler Cheryl was extremely professional when dealing with our claim, taking us through the process effortlessly.

We are now in our fourth year with CG it's our first claim but be sure we will always recommend them when ever we can.

Mr Carter, Flintshire

Don’t take our word for it

Our guide to insuring your touring caravan

What is caravan insurance? And why is having insurance for your caravan a good idea?

Specialist caravan insurance is a policy that protects your caravan from damage, theft, and other incidents. It ensures that in the event of the caravan being badly damaged or stolen you aren't left out of pocket.

What to look out for when buying insurance

What's covered? Our policy covers you for damage to the caravan itself, plus fixed kitchen equipment such as fridges, freezers and cookers, as well as 'caravan equipment' which includes things such as Aquarolls and security devices, and any items which are used solely in the caravan, such as televisions or radios.
Removable items such as clothes and toys are known as 'personal possessions' and are often covered by your household policy. These can be covered on our touring caravan policy but be sure to check with your home contents insurer first to avoid paying for the same cover twice.

High risk items such as laptops, tablets, e-readers, MP3 players, fishing equipment, and pedal or electric cycles cannot be covered on this policy.
'New for old' cover means that if your caravan is stolen or damaged beyond economic repair you will be provided a brand new caravan of the same or equivalent specification. Our policy offers replacement with new cover for caravans up to 15 years old.
We offer excellent security discounts for satellite tracking devices, alarms, axle wheel locks and secure storage sites.

Does my car insurance cover my caravan?

In the event of a road accident whilst towing your caravan which is your fault, your car insurance only covers you for damage sustained to a third party, it does not cover any damage sustained to your caravan. Also your caravan is just as likely to be damaged or stolen when detached from your towing vehicle - and in this instance there is absolutely no cover provided by a car insurance policy.

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Top ten FAQs

1. Where can I find my CRiS or VIN chassis number?

To make sure everything goes as smoothly as possible should you have to make a claim, it’s important you provide us with your caravan’s CRiS identification number, or if it doesn’t have one a chassis or VIN number.

From 2016, model ranges were security marked with VIN Chip stickers which contain the 17 digit VIN number. You’ll find a master window label in the nearside front window’s bottom left hand corner. There’s also a label in the gas locker and then most windows should be applied with a tamper proof window lozenge.

1992 to 2015 caravans carry a 17 digit CRiS number etched onto windows as well as a VIN or chassis number on the A frame or by the door. CRiS numbers begin with ‘SG’.

Folding campers and trailer tents should have a chassis number on the A frame also.

Still having trouble finding your VIN, CRiS number or chassis number? Call our friendly expert insurance advisers on 01422 396 769

2. How much does it cost to insurance a caravan?

The costs to insure a caravan will vary depending on individual circumstances and needs, for example the make and model of the caravan, the value of the caravan, where it’s stored and the amount of security and safety devices on the caravan. Therefore it is wise to contact a specialist caravan insurance company for a quote, which will be tailored to your individual circumstances and needs.

3. How do I make a caravan insurance claim?

Simply call our claims helpline number on 01422 501 083 and we will take care of the rest.

We understand the need to resolve an claim efficiently and effectively, to enable you to get back to enjoying your touring as soon as possible.

Or click here to visit our existing customer page where we outline our claims process.

4. Can you park a caravan on the road?

It is not illegal to park your caravan on the road, but some insurance companies will not be able to insure the caravan if it is stored on the road. If you are parking the caravan on the road it must be lit at night and comply with the other normal parking rules (the nearside must face the pavement so the rear lights are at the rear for approaching traffic). The caravan should not block anybody’s driveway or create a hazard to other road users, such as blocking visibility around a tight bend. Some local Councils also take a strong line on the nuisance value of caravans and do, in some cases, take legal action. It’s worth checking with your local authority before parking on the road. It’s also worth checking the deeds of your home, or any covenants or tenancy agreements to make sure you can store your caravan within your property, as sometimes restrictions can apply.

5. What tourer caravan tracking devices do you accept?

The full list of touring caravan tracking devices which we accept and give discounts for can be found via the link below. These include: Phantom Pro Active, Hal-Locate and Tracker Monitor etc.

Read our full FAQ here.

6. How do I value my caravan?

It remains important to set the correct value for your caravan when arranging or renewing caravan insurance. As of 1st January 2025 Glass’s guide stopped providing valuation guides for leisure vehicles such as caravans. So, we’re no longer able to able to offer a caravan valuation service over the phone. For new for old cover, we suggest checking caravan manufacturer websites for latest new prices of equivalent models, and for market value policies, our recommendation is to review caravans for sale listings on dealer websites or sources such as Autotrader.

7. What are your minimum security requirements for touring caravans?

Our minimum security requirements are that your caravan is fitted with a hitchlock, plus a wheel clamp (covering at least one wheel nut) or axle wheel lock (e.g. Al-Ko Secure) when left unattended and detached from your towing vehicle. These devices must be made by a reputable manufacturer.

Instead of the wheel clamp or axle wheel lock you can also meet our minimum security requirements by removing the caravan wheels and storing them away from the caravan. In certain circumstances we may agree in writing that you can secure your caravan using other security devices.

A trailer tent or folding camper can be secured by either a wheel clamp or hitchlock.

A fifth wheel caravan must be secured by a pin lock when detached from your tow vehicle.

Dependent on the value of your caravan, trailer tent, folding camper or fifth wheel caravan, and its storage location, you may also require additional security.

8. What is new for old and market value caravan cover?

‘New for old’ cover means that we will replace your insured caravan with the most recent model (or equivalent) if it is stolen and not recovered, or damaged beyond economic repair.

New for old cover requires you to insure your caravan at the value it would cost to replace with a new equivalent model, and not its current value (see ‘market value’)

New for old cover is available on touring caravans, folding campers and trailer tents up to 15 years old or for fifth wheel caravans up to five years from date of first registration.

Market value insurance covers you for all the same things as ‘new for old’, but in the event of your touring caravan being stolen or damaged beyond economic repair we replace your tourer with one of equivalent value, or pay out your caravan’s current market value, instead of replacing it with a brand new model.

Market value is nearly always cheaper than ‘new for old’, so is a good option for caravanners looking to save money on their insurance premium.

Market value cover is available to new customers on touring caravans up to 30 years old, but we may be able to renew insurance on caravans which have reached this limit subject to request.

9. Is caravan insurance a legal requirement?

Caravan insurance by law is not a legal requirement. However, without it you’ll likely have to pay for repairs or a replacement out of your own pocket following accident damage you cause, of after storm damage or theft.

People often ask if caravans are covered under a car insurance policy. If you were involved in a road accident while towing your caravan which was your fault, your car insurance policy would only cover damage to your car and damage caused to third party vehicles and property. Car insurance does not cover any repairs to your caravan. Also your caravan is just as likely to be damaged or stolen when detached from your towing vehicle – and in this instance there is absolutely no cover provided by a car insurance policy.

10. How does caravan insurance work?

Caravan insurance varies but a high level of caravan insurance at a moderate price will protect your caravan against accidental damage, fire, theft, storm and flood. It could also protect your caravan against at-fault damage.

Whether you’ve chosen new for old or market value, if your caravan is stolen, involved in a road traffic collision or it is damaged in a hailstorm, your caravan insurance would provide cover for your losses, after your excess and up to the limits on your policy.

New for old cover would mean that in the event of a total loss you would receive a brand new caravan of the same make or model (or nearest equivalent), whereas a market value policy would pay you the current value of your caravan.

You can read many more common questions in our touring caravan insurance knowledgebase.

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