What is caravan insurance?
Caravan insurance protects you from the financial risks associated with owning a caravan, such as theft, storm damage, fire, or liability if you’re defending yourself against a hefty third-party claim following an accident.
Specialist caravan insurance provides peace of mind in these situations. At Ripe, we arrange caravan insurance for static caravans and tourers, alongside cover for lodges, chalets, and cabins, so you can focus on enjoying your relaxing breaks.
Why should I consider caravan insurance?
Your caravan can help you escape from everyday life. But if the unexpected happens, the costs of repairing malicious damage or replacing your beloved caravan would be devastating to cover. Say your holiday home is targeted by thieves while you’re not on-site, or you’re defending yourself against a hefty third-party claim following an accident in your tourer.
At Ripe, specialist caravan insurance safeguards you and your holiday home against the worst-case scenarios, giving you the peace of mind to enjoy every trip.
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 caravan insurance cover?
Static Caravans
What's covered
- Theft of contents — up to £30k (single item limit of £1k)
- Damage to caravan and contents — accidental and malicious damage, up to £175k
- Underground services — up to £1.5k
- Debris removal — up to £10k
What’s not covered
- 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 climactic conditions, such as 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 — up to £2m
- Hotel and caravan hire — up to two-weeks cover (excluding food and drink), for up to £75 per day
- Rental cover and loss of rent — up to £200 per week and £800 in total
- Personal possessions cover — up to £2k for sports equipment like bikes, surfboards or golf clubs (limit of £250 for bikes, and a maximum of £500 per item for other items)
Please read our static caravan page and insurance booklet for more details on cover.
Touring Caravans
What's covered
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Includes protection for theft, damage to caravan and contents, awning cover, and new-for-old replacement (for tourers up to 15 years old). Public liability is included up to £2m as standard, with upgrades available.
What's not covered
- Exclusions include theft without proper security measures, damage when used as a permanent residence, and storm damage to awnings.
What's optional
- You can extend your cover for European trips, family and friends use, legal expenses, hotel and caravan hire, and accidental death, with no-claims protection also available.
Visit our touring caravans page or insurance booklet for full cover details.
Lodges cabins and chalets
What's covered
- Covers theft and damage to contents (up to £60k) and the property itself (up to £500k). New-for-old replacement is available for homes up to 10 years old, with older homes covered at market value. Additional cover includes public liability (up to £2m), accidental damage to underground services, debris removal, frozen food loss, and theft of money.
What's not covered
- Exclusions include wear and tear, damage to items left outdoors, mildew, insect or vermin damage, poor workmanship, and climatic conditions like condensation.
What's optional
- You can enhance your cover with personal possessions protection, rental income cover, temporary accommodation, legal expenses, no-claims protection, and sports equipment insurance.
Please read our holiday lodge page and insurance booklet for more details on cover.
Still got questions about what caravan insurance covers?
Our video guide to caravan insurance below has more information.
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. 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.
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
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.
Static Caravan Insurance Booklet (PDF 539 KB)-
Is it a legal requirement to insure a caravan?
Caravan insurance is not a legal requirement. However, you may want to consider getting your caravan insured for financial protection and peace of mind against the risks associated with owning a caravan, 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 pre-requisite for siting your caravan on their premises, so this could be worth considering.
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.
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).
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.
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 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.
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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