Build your perfect policy for your touring caravan
Cover for caravans up to 25 years old
Rated 'Excellent' on Trustpilot
Family & friends cover available
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Underwritten by Hiscox Insurance Company Limited
Touring Caravan Insurance
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Why choose Ripe for Touring Caravan Insurance?
Ripe arranges specialist Touring Caravan Insurance for more than 65 makes of touring caravans, with cover that can be shaped around how your caravan is used. Options include extending cover to family and friends, travelling across 35 European countries and temporary accommodation if an insured event leaves the caravan unusable. Ripe is also rated ‘Excellent’ on Trustpilot, with a UK-based customer service team available to support you if you need to speak to someone.
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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.
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Cover for new and older touring caravans
Protect your touring caravan, whether new or used, with cover available for eligible models up to 25 years old.
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Extra cover for your belongings
Help protect the contents and awnings of your touring caravan against theft and damage with optional cover.
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.
Compare Touring Caravan Insurance Packages by Ripe
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Caravan value covered | Up to £75,000 | Up to £50,000 |
Caravan age accepted | Up to 15 years | Up to 25 years |
Excess options | £0, £250 or £500 | £250 compulsory, voluntary options available |
Public Liability | £5 million included as standard | Choice of £2 million or £5 million |
New-for-old cover | Available for caravans purchased new | Available for caravans purchased new |
Family & friends use | Included as standard | Optional |
Hotel or caravan hire in event of claim | Included as standard | Optional |
Awning cover | Optional | Optional |
Legal expenses | Optional | Optional |
Contents cover | Optional | Optional |
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Caravan value covered | Up to £75,000 |
Caravan age accepted | Up to 15 years |
Excess options | £0, £250 or £500 |
Public Liability | £5 million included as standard |
New-for-old cover | Available for caravans purchased new |
Family & friends use | Included as standard |
Hotel or caravan hire in event of claim | Included as standard |
Awning cover | Optional |
Legal expenses | Optional |
Contents cover | Optional |
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Caravan value covered | Up to £50,000 |
Caravan age accepted | Up to 25 years |
Excess options | £250 compulsory, voluntary options available |
Public Liability | Choice of £2 million or £5 million |
New-for-old cover | Available for caravans purchased new |
Family & friends use | Optional |
Hotel or caravan hire in event of claim | Optional |
Awning cover | Optional |
Legal expenses | Optional |
Contents cover | Optional |
Do I need insurance for a touring caravan?
According to the National Vehicle Crime Intelligence Service (NaVCIS), in 2024 alone there were 516 caravan thefts recorded in the UK. 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.
Who is Touring Caravan Insurance by Ripe for?
Ripe arranges specialist insurance for a range of touring caravan owners, with cover available for eligible caravans while they’re being towed, pitched, stored and used on trips. Cover is available for touring caravans up to 15 years old, with a Core policy or up to 25 years old with Flex, with optional cover for trips further afield.
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Weekend tourers
Who take regular short breaks at campsites and caravan parks throughout the year.
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UK road trippers
Who travel between different campsites and destinations as part of longer touring holidays.
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Seasonal tourers
Who enjoy several trips during the warmer months before putting the caravan into storage for part of the year.
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European tourers
Who take a caravan outside the UK, with optional European Cover available across 35 European countries including France, Spain, Portugal, Italy and Republic of Ireland.
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Caravan club members
Including members of CaSSOA, The Caravan and Motorhome Club and The Camping and Caravanning Club, where Ripe offers member discounts.
What touring caravan manufacturers can Ripe cover?
Touring Caravan Insurance by Ripe is available for eligible caravans from 65 different makes of touring caravans, folding caravans, trailer tents and folding campers.
Popular touring caravan makes can include:
Bailey – including popular ranges such as the Unicorn, Pegasus and Phoenix.
Swift – including Challenger, Sprite and Elegance touring caravans.
Elddis – including the Avante and Affinity ranges.
Coachman – including Acadia, VIP and Laser models.
Adria – including Altea, Adora and Alpina touring caravans.
Lunar – including models from popular ranges such as the Clubman and Quasar.
Other eligible touring caravan manufacturers and models can also be covered by Ripe. The easiest way to see if your caravan can be covered is to get a free online quote.
What does Ripe's claims data reveal about touring caravans?
Touring caravans were the most represented caravan type in the Ripe Caravan Claims Index, accounting for 68% of the 807 claims and claim notifications analysed. They also accounted for the greatest share of overall recorded claims costs.
Across all caravan types, 79% of reported claims involved accidental damage, with incidents occurring while caravans were being reversed onto pitches, towed along narrow roads or parked and stored.
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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Family and friends use is included as standard with Core policies. With Flex, you can include this by adding the Family and Friends as an optional extra during the quote process.
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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.
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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.
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!
