What information do I need to get a caravan insurance quote?

To get a caravan insurance quote through Ripe, you’ll need to provide your personal details such as your name and address, details of your caravan including its make, model and year of manufacture, information about where it will be stored and any security measures in place, and your claims history.

What is new-for-old cover?

If your caravan or holiday home is damaged beyond repair or stolen, new-for-old cover reimburses you for the cost of replacing it with a new equivalent model if one is available in the UK. For static caravans, lodges, cabins and chalets, the unit must be less than 10 years old. For touring caravans, it must have been purchased brand new and be less than 15 years old.

Can I protect my no-claims discount?

Yes. If you have three years’ no-claims discount, you can choose to protect it when getting a quote or at renewal. If you make two claims within a three-year period, the discount will no longer be protected following the second claim. Protecting your no-claims discount does not guarantee your renewal premium.

What is market value cover?

Market value cover means that if your caravan or holiday home is damaged beyond repair or stolen, you will be reimbursed for its market value at the time of the loss.

Can you insure me if I live outside the UK?

Unfortunately not. Ripe can only insure permanent UK residents.

I previously made some claims. Can I still take out a policy with you?

Your claims history will be considered when you get a quote. Whether a policy can be offered depends on the number of claims you have made, their value and the circumstances.

What should I do if I need to make a claim?

If you need to make a claim, contact the claims department as soon as possible by phone or email. Further guidance is available on the Making a claim section of the website.

Can I add extra cover to my policy later?

Yes. You can add or remove cover at any time by contacting Ripe, making it easy to adapt your policy as your needs change.

Ripe is one of the UK’s leading specialists in niche insurance products, with over 250,000 policyholders. Ripe focuses on making insurance easy to buy, simple to understand and jargon-free, while meeting and exceeding Financial Conduct Authority standards.

Yes. You can choose to pay in a single lump sum by Direct Debit or card, or pay monthly by selecting the pay monthly option at checkout, paying a deposit and spreading the remaining balance over nine instalments.

woman sat in her roof tent on top of a car

Roof tent insurance

OFF!

Cover for the campers who are always on the move

Theft cover
Accidental damage cover

New for old replacement
Get a quote in minutes

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Why choose Ripe for roof tent insurance?

Ripe offers specialist roof tent insurance designed to help financially protect the roof tent at home and on the road. Cover can include theft, accidental or malicious damage, storm and fire damage, new-for-old replacement and up to £5 million Public Liability. You can also add optional European Cover if travelling abroad.

Supported by a UK-based customer service team, Ripe was named Best British Insurance Company at the 2024 Smart Money People Insurance Choice Awards and is rated ‘Excellent’ on Trustpilot.

Cover beyond the car insurance policy

A standard car insurance policy may not cover damage to or theft of an attached roof tent.
Public Liability included with every policy

Every roof tent policy includes up to £5 million Public Liability cover, if using the roof tent causes accidental injury to another person or damage to their property.
New-for-old replacement

If a roof tent aged up to 15 years is stolen or damaged beyond repair, new-for-old cover can help pay for an equivalent new replacement.
Cover for leading roof-tent brands

Specialist cover is available for popular roof tent manufacturers from TentBox, Thule and RoofBunk.

Insurance built for roof tent adventures

A roof tent makes it easier to turn road trips, weekends away and outdoor events into overnight adventures. Their popularity is growing, with the UK rooftop-tent market valued at £12.2 million in 2025 and forecast to grow by 11.2% annually between 2026 and 2034.

As more people invest in roof tents, specialist insurance may be worth considering. Specialist roof tent insurance by Ripe includes hard-shell and soft-shell models from brands such as TentBox, Thule and RoofBunk against insured risks, including theft, accidental damage and severe weather while attached to a vehicle, used at a campsite or stored between trips.

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What does roof tent insurance cover?

Theft of the roof tent
Accidental and malicious damage
Fire and storm damage
Public Liability up to £5 million
New-for-old replacement, subject to terms
Cover while securely attached to the insured vehicle
Cover while being used or stored, subject to the policy conditions

European travel cover
Cover for use by family and friends
Temporary accommodation following an insured event
Legal expenses
No-claims protection

Contents and personal belongings
General wear and tear
Mildew, mould or condensation
Insect or vermin damage
Poor workmanship
Existing damage
Theft when the required security measures are not in place
Damage caused by incorrect installation
Damage caused by exceeding manufacturer weight limits
Use as a permanent residence

Roof tents fall under the touring caravan limits in the Important Documents. Please check the policy wording for full details of the cover, limits, exclusions and conditions.

Cover for different types of roof tent

A Ripe policy covers a wide range of roof tent types, including:

Hard-shell roof tents

Hard-shell models open from a rigid outer case and often remain attached to the vehicle throughout the camping season.
Soft-shell roof tents

Soft-shell tents fold into a fabric-covered unit for travel and are usually open to create a larger sleeping area.
Pop-up and wedge roof tents

Pop-up and wedge designs use hinges, gas struts or assisted opening systems.
Roof tents with annexes

Some models include a removable annex or awning extending from the tent.

A roof tent is fitted directly to a vehicle and differs from a folding camper, which is towed behind the vehicle and unfolds into a larger camping space.

Roof tent insurance FAQs

Not necessarily. Motor policies may limit or exclude cover for vehicle accessories. Check if the roof tent is covered for its full value while fitted, in use and stored.
Yes, the motor insurer should be told before fitting a roof tent, roof bars or roof rack. This equipment may be treated as an accessory or modification, which could affect the vehicle’s cover. Taking out separate roof tent insurance does not replace the need for suitable motor insurance.
Roof tent insurance by Ripe does not include contents cover. Items such as sleeping bags, clothing, camping equipment, and electrical devices may need a separate contents policy.
A roof tent policy can cover hard-shell and soft-shell roof tents from brands such as TentBox, Thule, RoofBunk, iKamper, Dometic and Wild Land. Cover depends on the roof tent’s age, condition and value.
When it is not attached to the vehicle, the roof tent should be kept at the declared storage location and secured in line with the policy requirements. Required locks or other security measures must be used, as failing to meet these conditions will affect a theft claim. Check the policy wording for the full storage and security requirements.

Looking for a different way to travel?

Looking for a different way to travel? Ripe also offers specialist caravan insurance for touring and static caravans, lodges and park homes.

Find out more

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