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Why choose Ripe for your caravan or holiday home insurance?
Only pay for the cover you need
We've 'unpacked' caravan insurance, making it easy for you to create your own policy, saving you time and money. Select only the cover you need, meaning you won't pay for any cover you don't need.
Backed by the Ripe Guarantee
At Ripe we take good care of you with great cover and exceptional service at the right price. Click here to find out more.
Touring caravan club member discounts
We provide generous discounts for members of the UK's most popular clubs including CaSSoa, The Caravan and Motorhome Club and The Camping and Caravanning Club.
What does our caravan insurance cover?
Static Caravans
What's covered
- Theft of contents from your static caravan
Just think of all the possessions you’ve got in your caravan. If they were stolen, you’d have to replace those items out of your own pocket if you didn’t have insurance in place.
That’s why, as part of our static caravan insurance, we’ll cover the contents of your static caravan up to £30,000 to prevent you from having to pay to replace your contents if they’re stolen. This cover includes a single item limit of £1,000
- Damage to your static caravan and its contents
As we’ve touched on, your caravan is at risk of malicious and accidental damage – the latter is particularly feasible when you consider the unpredictable British weather. Damage caused by fire, lightning, storm, or flood could cost tens of thousands of pounds to fix and require specialist attention.
Our extensive cover covers your static caravan worth up to £175,000 and accounts for these worst-case scenarios. This cover safeguards your caravan against loss or damage caused by fire, lightning, storm, flooding, frost, theft, accidental loss or damage, malicious damage, and falling trees.
- Underground services and debris removal
A lot could go wrong with the pipes, drains, and cables underneath your caravan. When things do go wrong, it’s both frustrating and costly.
You can spare yourself the exorbitant repair costs and resulting frustrations by getting our Underground Services cover (up to £1,500) and Debris Removal cover (up to £10,000).
What’s not covered
Our static caravan insurance won’t cover you for any of the below:
- Wear and tear
- Loss or damage to property left out in the open
- Mildew damage
- Damage caused by moths, vermin or insects
- Damage caused by atmospheric or climatic conditions such as fogging up and condensation
- Damage caused by poor workmanship, design or the use of faulty or unsuitable materials
For more information about what isn’t covered under the terms of our static caravan insurance, please read our insurance booklet.
What’s optional
- Public Liability
Our static caravan insurance includes up to £2 million Public Liability. This covers the cost of claims and legal expenses if visitors to your caravan are injured, or their belongings get damaged. For example, if someone slips on your decking, badly injures themselves and claims against you.
- Hotel and caravan hire
If your static caravan sustains such serious damage that you can’t stay in it, our static caravan insurance includes hotel and caravan hire cover. This cover will compensate you for up to a two-week stay in hotel accommodation (excluding food and drink) for up to £75 a day. Alternatively, it also covers hire costs of a replacement home up to £75 a day for two weeks.
- Rental cover and loss of rent
If you rent out your static caravan, you need rental cover whilst it’s in the care of the person renting it in case of damage. Our rental cover will compensate you for up to £200 per week and £800 in total if your static caravan is uninhabitable and you lose rental income due to damage. Click here for more information on renting out your static caravan.
- Personal possessions cover
If you keep sports equipment in your static caravan such as bikes, surfboards or golf clubs, we’ll cover these items up to £2,000. There’s a limit of £250 for bikes and a maximum of £500 per item for other items. We also offer additional static caravan insurance options. You can find out more about our cover here.
Touring Caravans
What's covered
- Extensive cover up to £85k
Your caravan and contents (contents up to a maximum of £10,000) will be protected against theft, loss and damage. This includes costs of removal of the caravan, storage costs and delivery of the caravan back to your home (UK only).
- Awning cover up to £2.5k
We provide separate cover for accidental damage, loss or theft of awnings. Choose your level of cover up to a maximum of £2,500.
- New for old up to 15 years
For complete peace of mind, we cover touring caravans aged up to 15 years (which were purchased new) on a new for old basis. Find out more.
- Public Liability £2m
£2m Public Liability cover is included as standard, protecting you against the risk of any claims for injury to another person or property damage. You can upgrade to £3m or £5m for an additional fee.
What's not covered
Our touring caravan insurance won’t cover you for any of the below:
- Theft or attempted theft when the caravan is left unhitched from a towing vehicle unless the caravan is protected with a hitch-lock and wheel clamp. This does not apply if your caravan is kept at a CaSSOA storage facility where by they have stated in their contract with you that they do not allow a hitch-lock or wheel clamp to be fitted.
- Theft or attempted theft when the caravan is left unattended unless the doors and windows to the caravan are closed and 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
For more information about what isn’t covered under the terms of our touring caravan insurance, please read our insurance booklet.
What's optional
- Family and friends extension
Choose to extend your caravan insurance to cover your friends and family whilst they are using your caravan.
- European cover extension
If you take your caravan abroad, you can extend your insurance to cover you whilst in 35 European countries.
- Hotel and caravan hire
Provides cover for accommodation expenses if your caravan is uninhabitable following an incident and you have to temporarily stay elsewhere.
- Legal expenses up to £25k
Provides UK Legal Expenses insurance up to £25,000 for instances such as sale and purchase disputes.
- FREE Accidental Death cover
Provides a payment of £10,000 for accidental death whilst using the caravan.
- No claims protection
Choose to protect your no-claims discount with an additional premium and your discount will remain unaffected, even if you need to make a claim. Read more in our FAQs.
Lodges cabins and chalets
What's covered
- Extensive cover up to £500k
Your building and contents (contents up to a maximum of £60,000) will be protected against fire, lightning, storm, flood, accidental loss or damage, vandalism and malicious damage, frost, theft and falling trees
- New for old up to 10 years
We can cover all lodges, cabins and chalets aged up to 10 years on a new for old basis. Lodges, cabins and chalets over 10 years old will be covered on a market value basis.
- Public Liability up to £2m
£2m Public Liability cover is included as standard, protecting you against the risk of any claims for injury to another person or property damage. You can upgrade to £3m or £5m for an additional fee.
- Underground services
Provides cover up to £1,500 for any accidental damage to underground pipes, drains and cables (including their inspection covers) for which you are responsible. Debris removal is covered up to £10,000.
- Frozen food cover up to £750
Covers the loss or damage to the food in your freezer up to £750 (if Contents cover is selected) as a result of a malfunction or rise or fall in temperature.
- Theft of money up to £250
If you select Contents cover, an extra layer of protection is provided and in case of a break-in, theft of money from the home is covered up to £250.
What's not covered
Our Lodges, cabins and chalets insurance won’t cover you for any of the below:
- Wear and tear
- Loss or damage to property left out in the open
- Mildew damage
- Damage caused by moths, vermin or insects
- Damage caused by atmospheric or climatic conditions such as fogging up and condensation
- Damage caused by poor workmanship, design or the use of faulty or unsuitable materials
For more information about what isn’t covered under the terms of our lodges, cabins and chalets insurance, please read our insurance booklet.
What's optional
- Personal possessions
Includes loss or damage to personal possessions such as handbags and sunglasses up to maximum value of £2,000. The maximum amount you can claim per item is £500.
- Rental cover and loss of rent
If you rent out your holiday home you can add extra cover for theft, loss or damage whilst it is in the care of the person renting it. This also covers any loss of rental income and cancelled bookings due to damage to your caravan.
- Temporary accommodation
Provides cover for accommodation expenses if your holiday home is damaged in an incident and you have to temporarily stay elsewhere.
- Legal expenses up to £25k
Provides Legal Expenses insurance up to £25,000 for instances such as sale and purchase disputes, evictions and property infringement.
- No claims protection
Choose to protect your no claims discount with an additional premium and your discount will remain unaffected, even if you need to make a claim. Read more in our FAQs.
- Sports equipment up to £2k
Sports equipment, including bikes, surfboards and golf clubs are covered up to maximum value of £2,000. There is a limit of £250 for bicycles and the maximum per item is £500.
Still got questions about what caravan insurance covers?
Our video guide to caravan insurance below has more information.
Meet our expert
“Just as home and car insurance are important, caravan insurance should also be considered. Given the value of your caravan and the risks of potential damage or accidents occurring, having the right insurance will ensure that you have financial protection.”
Charlotte Hughes
Product Development Manager
Looking for motorhome insurance?
Get the protection you need with specialist motorhome insurance before you set off on your next big adventure.
Find out moreImportant documents
If you already have insurance with Ripe, you’ll find your important documents for your policy in your Members area.
You can view our key documents below or view all of our documents on the Important Documents page.
Static Caravan Insurance Booklet (PDF 539 KB)-
How much does caravan insurance cost?
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.
With our straightforward online quote process, you’ll be able to get a price for protecting your caravan in just a few minutes.
Do I need caravan insurance?
Caravan insurance is not a legal requirement. However, you may want to consider getting your caravan insured for financial protection and peace of mind should you experience damage to, or theft of, your caravan.
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
- 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 quote today.
Can I protect my no claims discount?
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 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.
What is 'new for old' cover?
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). For statics, lodges, cabins, and chalets, your caravan will need to be less than 10 years old to benefit deo new for old cover. For touring caravans, new for old cover only applies if the caravan was purchased brand new and is less than 15 years old.
How much Public Liability cover do I need?
Although there isn’t a set limit for Public Liability insurance for caravan and holiday homeowners by law, some holiday parks may require you to have a certain amount of cover, so you should check before you choose your policy. All caravan and holiday home insurance policies through Ripe come with up to £2 million Public Liability insurance included as standard. If you require additional cover, you can choose to increase this to £3 million or £5 million for an additional premium. Get a quote.
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What does static caravan insurance cover?
Among other things, static caravan insurance protects you against damage to your caravan, along with theft or damage of the contents. Public liability cover is also included so you are protected if someone is injured while in your caravan.
For more information, visit our static caravan page.
What age of static caravan, lodge, cabin or chalet can you insure?
We can cover properties that were manufactured/built in the last 20 years.
Do I need to drain my static caravan, lodge or chalet when I’m not using it?
Like most other insurers, we do have certain clauses for when you’re not at your caravan. During the winter (1st November – 31st March), we won’t cover claims caused by leaking, burst or frozen pipes unless you do ONE of the following:
- set any automatic heating to 15˚C, or
- turn the water off at the mains and drain the system, or
- if the park is still open, you can turn the water off at the stopcock, keep taps open, and plug holes unobstructed
Can I insure my static caravan, lodge, or chalet that I live in all year round?
Caravan insurance through Ripe is designed for holiday homes only. This does not include residential park homes or holiday homes that are lived in all year round. If your caravan, lodge, or chalet is your permanent residence, unfortunately we won’t be able to offer you insurance.
What does Rental Cover and Loss of Rent include?
If you rent out your holiday home, you can add Rental Cover and Loss of Rent cover to provide protection against theft, loss or damage whilst it is in the care of the person renting it. This also covers any loss of rental income and cancelled bookings due to damage to your caravan. You can claim Loss of Rent of up to £200 per week up to a maximum of £800 in total. Please see the Policy Wording for full details.
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What does touring caravan insurance cover?
With touring caravan insurance, you are covered if your tourer or its contents are stolen, lost or damaged. Insurance will also cover you if you injure someone or damage property.
If you would like more information, visit our touring caravan page.
Do I need insurance to tow a caravan?
Legally, you must have car insurance in place to be able to tow a caravan in the UK. Although, your car insurance policy will not usually cover any damage to your caravan should you have an accident, so you may want to consider touring caravan insurance to provide you with financial protection and peace of mind should the worst happen.
Can I insure my caravan for European use?
Yes, simply select ‘European Cover’ in the additional cover section during the 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 policy with us and would like to add European Cover, please give us a call on 0344 274 0271.
Am I covered if my caravan is damaged as a result of a mechanical or electrical failure?
If your caravan is damaged as a result of a mechanical or electrical failure, we would not cover damage to the item which failed, but we would cover the resultant damage to your caravan. For example, if there was an electrical fault with the cooker, we would not cover the damage to the cooker, but if it caused a fire which then damaged other parts of the caravan, this would be covered under your policy.
What are the minimum safety and security requirements?
Read our safety and security requirements here.
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**Best Price Guarantee is based on like-for-like cover. A written quotation from the comparable provider must be provided, as well as their Policy Terms.
Ripe will endeavour to respond to any quote request within 14 days from receipt of all relevant documentation.
Content reviewed: 11th January 2023
Reviewed by: Charlotte Hughes