First-class touring caravan insurance
There’s nothing quite like packing your bags and hitting the road for a relaxing break in your caravan. Getting away and exploring is what owning a touring caravan is all about. But you want to be making new memories with your family in the great outdoors, not worrying about things that might go wrong. That’s why we’ve made touring caravan insurance simple – giving you the cover you want at a great price with no fuss, so you can relax and enjoy your next adventure.
Why should I consider touring caravan insurance?
Whilst the freedom and thrill of the open road is a major attraction for caravanners, travelling from place to place and leaving your holiday home parked and exposed to the elements can carry its risks. There are the obvious weather, theft, fire and accidental damage risks which could occur at any time and leave you with an expensive repair bill. But there are also potential risks of your caravan or caravan equipment causing injury to another person or property damage, which could lead to expensive claims being made against you.
What does touring caravan insurance cover?
What's covered
- Extensive cover up to £75k
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.
What kind of touring caravans do you cover?
We arrange cover for a wide variety of touring caravans, including single axle caravans, twin axle caravans, fifth wheeler caravans, trailer tents and folding caravans. This includes a large range of makes and models, such as Eldiss, Adria, Fendt, Dethleffs, and so on. We provide cover for caravans up to 15 years of age, up to a maximum of £75,000.
Are there any caravans you don’t cover?
We arrange cover for over 65 different makes of touring caravans, folding caravans, trailer tents, and folding campers. Unfortunately, however, there are a small number of caravans manufacturers that we cannot cover. See the full list here.
What does touring caravan insurance cover?
Touring caravan insurance through Ripe provides cover for the caravan itself up to the value of £75,000. You can also include cover for your contents (up to £10,000) and your awnings (up to £2,500). Public Liability insurance is also provided as standard up to £2 million. We also offer FREE Accidental Death cover of £10,000 with every policy. You then also have the option to personalise your policy by selecting from a list of additional extras. We offer a variety of options including Family and Friends Extension Cover, European Cover, Hotel and Caravan Hire, Legal Expenses (up to £25,000) and No Claims Protection. You can also choose to upgrade your Public Liability cover to £3 million or £5 million. Find out more about
Our Cover.
How much is touring caravan insurance?
There are various factors which will be used to calculate your touring caravan insurance premium. The value and age of the caravan are taken into account, as are details about your caravan security and where it is stored. The quickest way to check the cost is to get a quote. We’ll ask you a few questions about you and your caravan and give you a full breakdown of the costs for the cover you need. Through Ripe, you can customise your policy by only adding exactly the cover you need, giving you a personalised policy at the best price.
Important 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.
Touring Caravan Insurance Booklet (PDF 607 KB)
Terms of BusinessTouring Caravan Insurance Tips and Guides
What does touring caravan insurance cover?
There are many reasons touring caravan insurance is essential. We explore a few of them in this simple guide.
Read our guide here
How much are touring caravan site fees?
Here we cover what touring caravan site fees entail, how much they usually cost, and where to find more information about them.
Read our guide on site fees here-
What information do I need to get a touring caravan insurance quote?
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
If you’re interested in specialist touring caravan insurance through Ripe, get a quick quote today.
Do I have to insure a touring caravan?
No, it is not currently a legal requirement in the UK to insure your touring caravan. However, you may want to consider getting your touring caravan insured for financial protection and peace of mind should you experience things like theft or damage.
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. 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.
Can I insure my caravan for European use?
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 policy with us and would like to add European Cover, please give us a call on 0344 274 0271.
What age of touring caravan can you cover?
We can provide cover for caravans up to a maximum of 15 years old.
Can you cover my awnings?
Yes, we can provide cover for awnings up to £2,500 in value.
Are my family and friends covered to use my caravan?
Standard cover through Ripe is for the policyholder only. However, 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 call us on 0344 274 0271, and we’ll add it for you. Take a look at Our Cover to see all the available options.
What are the minimum safety and security requirements?
Read our safety and security requirements here.
Am I covered if my caravan is damaged in a storm?
We will cover damage caused to your caravan by a storm, such as broken windows or damage caused by fallen trees. However, we do not cover any loss or damage to awnings as a result of a storm.
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.
