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.

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Why choose Ripe for Caravan Insurance?

Ripe offers specialist caravan insurance, supported by a UK-based customer service team, awarded Best British Insurance Company at the 2024 Smart Money People Insurance Choice Awards and rated 'Excellent' on Trustpilot. Ripe covers a range of caravan types, with policies designed for each type, such as theft or contents cover, and optional extras to choose from, such as rental income, personal possessions, and European cover (touring caravans only).

Cover shaped around caravan storage

Whether your caravan is kept at home or across approved locations, choose cover to fit your setup.
Share it with the people you trust

Let friends and family use your caravan with confidence, knowing your cover by Ripe stays in place.
Only pay for the cover you need

We've unpacked caravan insurance, making it easy for you to choose cover options, meaning you won't pay for any cover you don't need.

Caravan Insurance cover made simple

Your caravan is part of how you switch off and spend time away. Whether it is a touring caravan, static, lodge or cabin, it is a place for breaks, routines and moments that matter to you.

Specialist caravan insurance arranged by Ripe can help financially protect against things like theft, storm or fire damage, accidental damage, and liability if a third party is affected. With cover available for tourers, statics, lodges, chalets and cabins, it is designed to support different setups and styles of getaways, so you can focus on enjoying your time away.

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What does caravan insurance cover?

Caravan insurance by Ripe can cover theft of your caravan and contents, accidental and malicious damage and public liability up to £5m. Find out more below.

Theft of the caravan and contents
Accidental and malicious damage
Third-party public liability (up to £5m)
New-for-old replacement (up to a certain age limit)
Awning cover (touring only)
Debris removal (statics and lodges)
Underground services (statics and lodges)
Frozen food loss (lodges and chalets)
Theft of money (lodges and chalets)

For the full list of what's covered, please visit our Important Documents page.

Personal possessions cover
Rental income cover
Temporary accommodation
Legal expenses
No-claims protection
Cover for family and friends’ use
Sports equipment cover (static and lodges)
European travel cover (touring only)
Accidental death benefit (touring only)

Wear and tear
Damage to items left outdoors
Mildew or mould
Insect or vermin damage
Poor workmanship
Damage from climatic conditions (such as condensation)
Theft without appropriate security measures
Damage when used as a permanent residence
Storm damage to awnings

For the full list of what's covered, please visit our Important Documents page.

Is caravan insurance a legal requirement?

Caravan insurance is not a legal requirement. However, caravan insurance can help provide financial protection against risks associated with owning one, such as theft or damage.

One of the most obvious risks, caravan theft, is on the rise. Our research shows that more than 1,600 caravans have been reported stolen in the UK over the last three years. 

If you’re a static caravan owner, many holiday parks will require caravan insurance as a prerequisite for siting your caravan on their premises, so this could be worth considering.

The biggest caravan risks, according to our claims data

Ripe analysed over 800 caravan claims and claim notifications reported between January 2025 and July 2026 to find out.

Summer brings the most claims - but winter costs the most. Claims peak in the warmer months when caravans are on the move yet claims made in winter carry the highest average cost.
Accidental damage made up around 4 in 5 claims. Accidental damage can occur when a caravan is manoeuvring into a pitch, parked at home, or used by friends or family
Touring caravans make up 68% of all claims, ahead of static caravans (15%) and lodges and cabins (9%)
Theft is rare but expensive. It accounts for just 4% of claims but is the costliest claim type on average. To help deter thieves, use both a hitch lock and a wheel clamp and install an alarm and tracking device.

Read the full Ripe Caravan Claims Index

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!

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Who is specialist caravan insurance through Ripe for?

Cover is available whether you are a weekend warrior, seasonal pitcher or a family holiday maker.

Types of caravan owners covered can include:

Weekend tourers – taking regular short breaks to campsites, holiday parks and touring locations throughout the UK.
Seasonal pitch owners – keeping a caravan on the same pitch for extended periods whilst enjoying frequent visits during the holiday season.
Family holidaymakers – using a caravan for family holidays, school breaks and long weekends away.
Retired caravan owners – making the most of the flexibility to travel throughout the year at their own pace.
Touring enthusiasts – travelling to different destinations across the UK and, where selected, Europe as part of longer caravan holidays.
Holiday homeowners – owning a static caravan, lodge, chalet or cabin used for regular leisure breaks.

Do I need specialist caravan insurance?

Caravan insurance can help provide financial protection in a range of situations, from travelling between destinations to storing a caravan between holidays.

Some common scenarios include:

A holiday park asks for proof of Public Liability insurance before allowing a caravan to be sited
A caravan is accidentally damaged whilst being towed to a campsite or holiday destination, where accidental damage cover may help provide financial protection
Stormy weather causes damage whilst a caravan is on a campsite or seasonal pitch, where storm damage cover may help provide financial protection, subject to the policy terms and conditions
Items are stolen from inside a caravan during a holiday or whilst in storage, where contents cover may help provide financial protection
A neighbouring caravan or third-party property is accidentally damaged whilst manoeuvring onto a pitch, where Public Liability cover may help provide financial protection against eligible claims.

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Meet our caravan insurance expert

“Not only can caravan insurance protect your own caravan from theft and accidental or malicious damage, but having third-party cover in place can also help provide financial protection should you cause injury to a third party or damage their property through the use of your caravan.”

Mel Savage

Head of Insurance Product

Check out profile

Caravan Insurance FAQs

To get a caravan insurance quote through Ripe, you’ll need to provide:
- Your personal details, such as your name and address
- The details of your caravan, including its make, model, and the year it was manufactured
- Information on where you plan to store your caravan and any security measures you have in place
- Your claims history
If you’re interested in specialist caravan insurance through Ripe, get a quick online quote today.
If your holiday home or caravan is damaged beyond repair or stolen, you will be reimbursed for the value it would cost to replace it with a new, equivalent model (if one is available in the United Kingdom).
New-for-old caravan insurance through Ripe requires your static caravan, lodge, cabin, or chalet to be less than 10 years old to benefit from this cover. For touring caravans, new-for-old cover only applies if it was purchased brand new and is less than 15 years old.
Yes. As long as you have three years’ no claims discount, you can protect this by selecting the ‘protect your no claims discount’ option either when getting a caravan insurance quote or at renewal. Please note that if you have two claims within a three-year period, your no-claims discount will no longer be protected following the second claim. This means that a third claim in three years would affect your no-claims discount.
Protecting your no-claims discount does not guarantee the cost of your renewal premium; however, you will be able to benefit from the no-claims discount when you next renew your policy with us. Please see the Policy Wording for full details.
If your holiday home or caravan is damaged beyond repair or stolen, you will be reimbursed for the market value at the time of the loss.
Unfortunately not. We can only insure permanent UK residents.
We’ll ask about your claims history when you get a quote with us. Whether we can offer you a policy will depend on the number of claims you’ve had, the claim value and the circumstances.
If you need to make a claim, please contact our claims department as soon as possible by calling 0344 274 0272 or by email. Please see our making a claim page for further information.
Absolutely. We appreciate that your requirements may change over time, which is why we’ve made it easy to add or remove cover. Simply contact us, and we’ll make the changes you need, hassle-free.
We are one of the UK’s leading specialists in niche insurance products. Over 250,000 policyholders have already chosen Ripe for their sports, leisure, personal and business insurance. Our fresh approach to insurance is all about making insurance easy to buy, simple to understand, jargon-free and excellent value.
We ensure that our insurance practices not only meet but exceed the standards set by the Financial Conduct Authority, giving our customers a clear understanding of our insurance products and providing a first-class insurance service. Find out more about Ripe on our dedicated page.
We offer a variety of payment options. If it suits you to pay in one lump sum, you can choose to pay this by a single Direct Debit from your bank, or by Credit or Debit card. Alternatively, you can pay in monthly instalments. Select the ‘Pay monthly’ option at checkout, pay the deposit, and we’ll take the remaining balance over 9 instalments.
The cost of caravan insurance can vary depending on the type of caravan you wish to insure, the age of the caravan, and what security measures you have in place. At Ripe, our straightforward online quote process means you’ll be able to get a price for protecting your caravan in just a few minutes.
Accidental Damage cover may help provide financial protection if a caravan is accidentally damaged whilst being towed, subject to the policy wording, terms and conditions.
Yes, storm damage cover may help provide financial protection if a caravan is damaged by an insured weather event.
Yes. Caravan insurance can provide cover whilst a caravan is in storage, subject to the storage requirements and policy terms.
Through Ripe, cover is available for caravan awnings and associated accessories, subject to the policy wording and selected level of cover.