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Touring Caravan Insurance
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Why choose Ripe for Touring Caravan Insurance?
Holiday lodge or cabin insurance by Ripe can cover building and contents insurance for your holiday lodge or cabin, plus optional extras to choose from. Got a hot tub? If your tub is permanently fixed, holiday cabin insurance by Ripe can include cover for your hot tub.
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Share it with the people you trust
Let friends and family use your caravan with confidence, knowing your cover by Ripe stays in place.
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A place to stay if something goes wrong
If your caravan can’t be used after an insured event, additional cover can help with the cost of temporary accommodation so you’re not left out of pocket.
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Touring caravan club member discounts
We provide discounts for members of the UK's most popular clubs including CaSSoa, The Caravan and Motorhome Club and The Camping and Caravanning Club.
Touring caravan insurance for life on the road
Owning a touring caravan is about freedom, flexibility and the chance to keep discovering new places. From familiar holiday parks to somewhere completely new, your caravan is part of the experiences you build along the way.
Specialist touring caravan insurance by Ripe is designed to support you against everyday risks like theft, damage or third-party accidents, so you can travel feeling more at ease. It is about helping you focus on the journey ahead and enjoying life on the road, wherever you decide to head next.
What does touring caravan insurance cover?
Touring caravan insurance by Ripe covers theft or damage to a caravan and contents, plus awning cover. When selected, it can also be extended to European cover in 35 European countries.
Theft or damage of contents — up to £10k (single item limit of £1k)
Damage to caravan and contents — accidental and malicious damage, up to £85k
Awning cover — up to £2.5k
New-for-old — tourers aged up to 15 years (which were purchased new)
Public Liability — up to £2m included as standard (upgrade to £3m or £5m for an additional fee)
For the full list of what's covered, please visit our Important Documents page.
Family and friends extension — extend your touring caravan insurance to cover your friends and family to use your tourer
European cover — extend your insurance to cover you whilst in 35 European countries
Hotel and caravan hire — up to 15 days cover (excluding food and drink), for up to £75 per day
Legal expenses — up to £25k
FREE Accidental Death cover — up to £10k
No claims protection — protects your no-claims discount with an additional premium
Theft or attempted theft without a hitch-lock and wheel clamp — caravan must either be properly secured or kept at a CaSSOA storage facility
Theft or attempted theft when the caravan is left unattended unless all doors and windows are locked, and any security devices are in operation
Theft of equipment unless there is evidence of forcible and violent entry or removal
Loss or damage where the caravan is used as a permanent place of residence
Loss or accidental damage caused to awnings by storms
Please read our Important Documents for more details on cover.
Do I need insurance for a touring caravan?
Between 2020 and 2022, 1,625 caravans were reported stolen in the UK, with thefts rising by 9%. Most touring caravan insurance policies require the use of a wheel clamp and tow hitch, but theft may still occur, potentially leaving you to cover the cost if uninsured.
Accidental and malicious damage, as well as third-party claims, can also leave you vulnerable to unexpected costs. For example, you might accidentally damage your caravan while parking, scrape another vehicle, or fail to notice a passerby while reversing into a pitch.
Public Liability cover, typically included with touring caravan insurance, can help with any legal costs you incur from such claims, letting you focus on enjoying your adventures.
How much does touring caravan insurance cost?
The cost of your touring caravan insurance policy depends on multiple factors, such as your towing experience, the value of your caravan and its contents, security measures in place, and where it’s stored.
Your chosen level of cover will also affect this. You can often add extras to your touring caravan insurance policy, but some companies offer cover as a pre-bundled package, leaving you to pay for add-ons you won’t benefit from.
At Ripe, we believe you should only ever pay for the cover you want. The quickest way to check the cost of touring caravan insurance through Ripe is to get a free online quote.
Touring Caravan insurance FAQs
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Legally, you must have car insurance in place to be able to tow a caravan in the UK. However, your car insurance policy will not usually cover any damage to your caravan should you have an accident while towing. So, you may want to consider touring caravan insurance to provide you with extra financial protection and peace of mind should the worst happen.
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This depends on the current driving licence you hold. If you passed your driving test before 1 January 1997, you can drive a vehicle and caravan with a combined maximum authorised mass (MAM) of 8,250kg. If you passed your driving test on or after 1 January 1997, you can tow caravans up to 3,500kg MAM.
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Towing a caravan or trailer requires a valid car insurance policy, but it’s not a legal requirement to cover the towed unit itself. However, it could be a good idea to let your insurer know you plan on towing to learn more about your options.
Car insurance policies only include third-party damage if you decide to insure your tourer through your current provider. But touring caravan insurance provides a higher level of cover, such as damage to your caravan.
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Most comprehensive car insurance policies will cover your vehicle while towing a trailer or caravan, but only during instances of third-party liability.
This means that you may be protected if your caravan injures someone else during a collision or causes damage to another vehicle, but the insurance won’t cover your caravan. Overlooking this can be costly, which is why many motorists opt to protect their caravan through specialist touring caravan insurance.
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To get a touring caravan insurance quote through Ripe, you’ll need to provide:
your personal details such as your name and address
the details of your touring caravan, including its make, model, and the year it was manufactured
information on where you plan to store your touring caravan and any security measures you have in place
your claims history
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Yes, simply select ‘European Cover’ in the additional cover section when getting a quote. This provides cover for up to 60 days in any one trip, with a maximum of 120 days in total.
Cover is included in the following countries: Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Italy including the Vatican City, Latvia, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland.
If you have an existing touring caravan insurance policy with us and would like to add European Cover, please get in touch via the contact us page.
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We can arrange insurance for touring caravans up to a maximum of 15 years old.
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No, touring caravans don’t need an MOT. However, you may need to provide proof that your caravan is roadworthy if you take out a touring caravan insurance policy.
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The standard cover is for the policyholder only. If you would like to extend your cover for your family and friends, you can include this by adding the ‘Family and Friends Extension’. You can either add this when you get a quote, or get in touch via the contact us page, and we can add this for you. Please note that we cannot provide cover for you for hire and reward, or if you receive any kind of payment for renting out your tourer.
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We cover over 65 different makes of touring caravans, folding caravans, trailer tents and folding campers. Unfortunately, there is a small number of makes that we cannot cover. Please see below:
Airstream
Fleetwood USA
Andromeda
LMC
Lord Munsterland
Roma
Tabbert
Weippert
Hobby
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We will cover damage to your caravan caused by a storm, for example, windows breaking or falling trees causing severe damage. Please note that we do not cover any loss or damage to awnings resulting from a storm.
Refer your friends and get rewarded
If you choose to refer your friends to us, not only will we reward you with a £50 voucher of your choice, but your friends could make some great savings too!
