Best Caravan Insurance

Looking for the best caravan insurance in 2026? We rank the leading UK providers for static and touring caravans, explain what good cover includes, and show what static caravan insurance typically costs, whether you tour or own one of our static caravans for sale in Lincolnshire.

The Best Caravan Insurance Providers At A Glance

The providers below appear most consistently across UK comparison sites, broker reviews and Defaqto ratings. They are the names most owners shortlist when looking for static or touring cover. Each one specialises in caravan insurance rather than treating it as a sideline, which is the single biggest factor in getting a policy that fits the way you use your holiday home.

Our approved insurance companies:

• GT Insurance
• Compass
• Leisure Days
• NACO

The Laver Leisure minimum requirements – £5 million public liability cover. Commitment to inform Laver Leisure of any policy cancellations.

Other notable insurance companies include:

1. Leisure days

Leisuredays is one of the most established names in static caravan insurance. It holds a five star Defaqto rating alongside a 95 per cent recommendation score on Review Centre and a 4.8 Trustpilot rating. The brand is also underwritten by Royal and Sun Alliance, which gives it considerable credibility for owners who value continuity and a safe pair of hands.

• Best for: static caravan and holiday home owners
• Defaqto rating: 5 stars
• Backed by: Royal and Sun Alliance
• Notable strengths: tailored static cover, contents protection and a long established claims team

2. Caravan Guard

Caravan Guard is widely regarded as the leading caravan insurance provider in the UK. It holds a five star Defaqto rating, an Excellent score on Trustpilot from over 9,500 reviews, and the title of Best Caravan Cover Provider at the Insurance Choice Awards 2025. Policies are underwritten by Royal and Sun Alliance and suit touring caravans, static caravans, motorhomes and trailer tents.

• Best for: comprehensive cover and award winning customer service
• Defaqto rating: 5 stars
• Backed by: Royal and Sun Alliance
• Notable strengths: new for old replacement, generous public liability and strong claims handling

3. Shield Total Insurance

Shield Total has built a strong reputation among touring and static owners, with a five star Defaqto rating and a 4.6 Feefo customer experience score. Policies start from around £82 per year for lower value caravans, and the brand competes well on price without compromising on the core cover features that matter most.

• Best for: competitive pricing and flexible cover levels
• Defaqto rating: 5 stars
• Notable strengths: affordable entry level pricing, with accidental damage and theft as standard

4. Towergate Insurance

Towergate has been arranging caravan insurance since 1997 and holds a four star Defaqto rating alongside a 4.6 Feefo customer experience score. The provider offers strong cover for touring caravans, static holiday homes and park homes, with options for accidental damage while towing, public liability and emergency accommodation.

• Best for: experienced caravanners who want flexible policy options
• Defaqto rating: 4 stars
• Notable strengths: established broker network, clear cover tiers and strong public liability

5. Lifesure

Lifesure is a specialist insurance broker established in 1971, with a long heritage in the leisure and caravanning markets. The brand is well regarded for tailored advice and for matching owners to underwriters that suit unusual or higher value caravans. This can be especially useful for owners on premium pitches or with significant contents to protect.

• Best for: tailored advice and higher value caravans
• Notable strengths: specialist broker expertise and an accommodating approach to non standard cover

6. The Caravan and Motorhome Club Caravan Cover

The Caravan and Motorhome Club offers its own Caravan Cover product in Standard or Super tiers, so members can choose the level of protection that suits them. The policy benefits from decades of caravanning expertise and is a popular choice for members who already use the Club’s other services.

• Best for: existing Club members who want a single trusted partner
• Notable strengths: member focused service, two clear cover tiers and strong public liability

7. Ripe Caravan Insurance

Ripe takes a modular approach to caravan cover, so owners can choose only the features they need rather than paying for a fully loaded policy. This makes it a sensible choice for owners with lower value caravans, occasional users and anyone who wants their premium closely matched to their risk.

• Best for: flexible, customisable cover at a lower price point
• Notable strengths: pay for what you need approach and quick online quotes

Best Static Caravan Insurance: Which Providers Suit Holiday Homes?

If you own a static caravan on a holiday park, you need a policy built for a sited holiday home rather than a tourer. The table below summarises how each provider fits static caravan owners.

Provider	Static caravan cover	Defaqto	Best for static owners who want
Caravan Guard	Yes	5 stars	Comprehensive cover and award winning claims service
Leisuredays	Yes, static specialist	5 stars	Cover designed specifically for holiday homes and contents
Shield Total	Yes	5 stars	Competitive pricing, from around £82 a year for lower value caravans
Towergate	Yes, including park homes	4 stars	Flexible cover tiers and emergency accommodation
Lifesure	Yes, via specialist broker	–	Advice for higher value caravans and premium pitches
Caravan and Motorhome Club	Mainly touring members	–	A single provider across the Club’s services. Check static availability.
Ripe	Check availability	–	Modular, pay-for-what-you-need cover

For most static caravan owners, Leisuredays, Caravan Guard and Shield Total are the strongest starting points. Get at least three quotes and compare the cover and excess, not just the price.

Static And Touring Caravan Insurance Explained

Caravan insurance broadly splits into two categories, and the right choice depends on the type of caravan you own and how you use it. Static caravan insurance is designed for holiday homes that stay on a licensed park. Touring caravan insurance is built for tourers that travel with you on the road and stay at different sites through the year.

The headline differences include:

• Static cover focuses on the caravan, contents and pitch related risks
• Touring cover focuses on transit risks, accidental damage and travel use
• Static policies often include emergency accommodation while repairs are completed
• Touring policies usually include continental European cover for set periods
• Both should include public liability of at least £2 million as a non negotiable feature

Knowing which category applies to you stops you overpaying for cover you’ll never use, and makes sure every important risk is covered from the outset.

What Does Static Caravan Insurance Cover?

A good static caravan insurance policy typically covers:

• Storm, flood and fire damage, including total loss
• Theft and attempted theft, including damage caused by intruders
• Escape of water, such as a burst pipe or leaking appliance
• Accidental damage to the caravan and its fixtures
• Contents cover for furniture, bedding and personal belongings
• Public liability, usually £2 million to £5 million
• Loss of pitch fees and emergency accommodation if the caravan can’t be used
• New for old replacement on caravans up to a set age

Decking, steps and outbuildings aren’t always included as standard, so check that they are listed on your policy if you have them.

What To Look For In A Good Caravan Insurance Policy

The cheapest premium often comes with the highest excess and the narrowest definition of accidental damage. The best caravan insurance is the policy that pays out smoothly when you need it, not the one that costs least when you buy it. A handful of cover features separate strong policies from the rest of the market.

Cover features worth prioritising include:

• New for old replacement on caravans up to a defined age
• Public liability of at least £2 million, with £5 million increasingly standard
• Accidental damage cover for both internal and external incidents
• Storm, flood and fire protection for total loss scenarios
• Theft and attempted theft, including damage caused by intruders
• Loss of pitch fees if your caravan becomes uninhabitable

Public liability deserves particular attention. If a guest trips on your decking or an appliance damages a neighbouring caravan, this is the cover that stands between you and a potentially significant claim. Most holiday parks, including Laver Leisure parks, require evidence of suitable public liability as part of the annual licence agreement. Make it the first thing you check on any quote.

Frost, Drain-Down and Closed-Season Conditions

Many static caravan insurance policies include conditions that apply while the caravan is empty over winter. The most common is that the water system must be drained down when the caravan is unoccupied during the colder months. Some insurers also require regular checks during the closed season.

If a pipe freezes and bursts and the caravan wasn’t drained down, your claim may be refused. Read these conditions carefully, and follow our guide on how to service and winterise a static caravan at the end of each season.

How Much Does Caravan Insurance Cost In 2026?

Pricing varies considerably depending on the value of your caravan, where it is kept and your personal claims history, although recent industry data gives a useful benchmark for the year ahead. In early 2026, most touring caravan policies sat below £150, while a significant portion of static caravan policies came in below £135. Premiums rise in line with the value of higher specification caravans.

How much is static caravan insurance?

For most owners, static caravan insurance costs from around £80 to a few hundred pounds a year. Many policies come in below £135, and entry level cover for lower value caravans starts from around £82 a year. That works out at roughly £7 to £30 a month if you pay monthly, although paying annually is usually cheaper. Newer, higher value caravans, prime pitches and extensive contents cover all increase the price.

Key factors that influence your premium:

• The retail value or replacement cost of your caravan
• Where the caravan is kept, with secure parks attracting lower prices
• Your no claims history and previous insurance record
• The level of cover and excess you choose
• Optional extras such as awnings, decking and contents

Having this information ready before you ask for quotes makes it easier to compare providers fairly, and avoids an unexpected price rise after the underwriters review your details.

How The Right Park Reduces Your Caravan Insurance Cost

Insurers price risk based on the likelihood of a claim. A holiday park with strong security is a far lower risk than an exposed touring pitch or an unsecured private storage facility. Static caravans on well managed coastal parks attract lower premiums, especially when the park has gated entry, monitored CCTV, on site staff and a clear visitor management process.

Coastal location and flood risk

Insurers also look at your park’s postcode and its flood and storm risk. The Lincolnshire coast is protected by extensive sea defences, but it still pays to tell your insurer the exact location of your caravan and to check what the policy says about storm and flood cover. Our holiday parks in Ingoldmells and holiday parks in Chapel St Leonards can provide the park details your insurer may ask for.

How To Reduce Your Caravan Insurance Premium

Insurance is one of the few ongoing costs that rewards a little effort each year, because the savings are usually immediate and recurring. Owners who treat renewal as an active decision, rather than letting the policy roll over, almost always pay less.

Proven ways to lower your premium:

• Increase your voluntary excess where you can comfortably afford it
• Add approved security devices such as wheel locks, hitch locks and tracking
• Keep your caravan on a CaSSOA approved site or at a managed coastal park
• Insure multiple caravans with the same provider
• Pay annually rather than monthly to avoid interest charges
• Compare at least two alternative quotes before accepting a renewal

Taking even two or three of these steps usually produces a noticeable saving. Combining them can bring the premium well below the original quote without weakening the cover.

Summary

The best caravan insurance in 2026 combines strong public liability cover, generous accidental damage protection, dependable storm, fire, flood and theft cover, and a smooth claims service backed by a recognised specialist. Caravan Guard, Leisuredays and Shield Total lead the field on the strength of their five star Defaqto ratings and customer reviews. Towergate, Lifesure, the Caravan and Motorhome Club and Ripe round out the most credible options. For static caravan owners, Leisuredays, Caravan Guard and Shield Total are the strongest places to start.

Check the cover features that matter most to you, choose a level of excess that suits your circumstances, and remember that a secure, well managed park has a measurable effect on the price you pay. If your future plans include more time on the Lincolnshire coast, browse our static caravans for sale in Lincolnshire, read our guide on how to buy a static caravan, or get in touch and our team will talk you through holiday home ownership at our parks in Ingoldmells and Chapel St Leonards.

Frequently Asked Questions

What is the best static caravan insurance?

Leisuredays, Caravan Guard and Shield Total are among the best static caravan insurance providers in 2026. All three hold five star Defaqto ratings and strong customer reviews. The best policy for you depends on your caravan’s value, your pitch and the level of cover you need, so compare quotes from at least three providers.

How much does it cost to insure a static caravan?

Many static caravan policies cost less than £135 a year, with entry level cover from around £82. The price depends on your caravan’s value, its location, your claims history and the cover and excess you choose.

How much is static caravan insurance per month?

If you pay monthly, static caravan insurance typically costs around £7 to £30 a month for most owners. Paying annually is usually cheaper, as monthly payments often include interest.

Do I need insurance for a static caravan?

Most holiday parks require you to hold insurance with suitable public liability as part of your licence agreement. Even where it isn’t required, it’s strongly recommended to protect your holiday home and contents.

Does static caravan insurance cover frost damage?

Usually, but only if you follow the policy conditions, such as draining down the water system when the caravan is empty over winter. Check your policy wording before the park closes for the season.