Frequently asked questions about Caravan Insurance

We understand how important your caravan is to you and that you want to protect the time and money you have invested into it. To help you make sure you are choosing the best caravan insurance policy for you, we’ve answered some of the most common questions we get asked below.

If you have any insurance related questions that aren’t covered, please call us on 01277 243 000.

Do I really need caravan insurance?

Caravan insurance is not a legal requirement in the UK; however we’d strongly recommend that you insure your caravan. You never know when the unexpected may happen.

In 2016, around 700 touring caravans were stolen in the UK. Although the number of thefts of caravans has decreased historically, the number of thefts from caravans is rising. Add to this the possibility of damage caused by a natural hazard or simply damage done when detached, then it makes sense to protect your valuable investment.

Remember, caravan insurance covers you for more than just the caravan itself. Club Care’s Caravan Insurance covers your contents and equipment too, against accidental damage, theft and fire - so it’s well worth the investment.

Is my caravan covered by my car insurance policy?

No, your caravan isn’t covered but your third party liability is covered. Let’s explain. If you’re involved in a road accident whilst towing your caravan and it’s found to be your fault, your car insurance policy will only cover you for losses sustained to a third party. It doesn’t cover any damage sustained by your caravan. Also, in the event that your caravan is damaged or stolen when detached from the towing vehicle, there is no cover provided by a car insurance policy.

Do I need to be a member of The Camping and Caravanning Club to get a caravan insurance quote?

No, you do not need to be a member of The Club to get a quotation from our insurance arm Club Care Insurance. However being a member you will receive exclusive policy benefits across our range of insurance products. Also, you will benefit from our wide range of premium discounts as well as be part of any promotions that occur through the year.

As a member of The Camping and Caravanning Club do I get any additional benefits by insuring through The Club?

Yes, Club Care's Caravan Insurance allows you to enjoy greater flexibility and choice, meaning you don’t have to pay for certain elements of cover you do not require. Unlike many insurers, Club Care covers your caravan, even if it’s high value or imported and we don’t mind how old it is.

Exclusive caravan insurance benefits just for Club members

New for old cover up to 15 years
FREE contents cover up to £1,500 (caravan only)
Personal accident cover up to the age of 85
Loss of use cover up to £3,500

I'm a member of The Camping and Caravanning Club based in Northern Ireland and each year I have difficulty finding insurance. Are you able to help?

Yes, we can offer members resident in Northern Ireland insurance cover across all of our insurance products. All policy benefits remain the same.

If I do one of The Camping and Caravanning Club’s manoeuvring courses, will I get a discount on my touring caravan insurance?

Yes you will. If you complete a course, you’ll get a discount of 5%.

Is my touring caravan covered in Europe? I am thinking of storing it in Europe. Would my caravan be covered by my caravan insurance policy?

Depending on the circumstances, it may be possible for Club Care to extend cover. However, there’ll be an additional premium to pay and possibly some restrictions on cover.

How do I make a claim?

You should notify Club Care of your claim as soon as possible on 01277 243 001. This number can be found in your ‘Evidence of Insurance’ document. You’ll be put through to one of our friendly claims handlers who will guide you through the process. Unlike many other providers, Club Care handles the claims, meaning that you can expect to receive the same level of service throughout the life of your policy from people who understand caravanning.

What happens if I break down with my caravan?

The Club has an exclusive arrangement with RAC for its members. Arrival Breakdown Cover from the RAC provides breakdown cover for your car, caravan, motorhome or trailer.

Find out more about Arrival

Do you insure static caravans?

Yes, Club Care Insurance can provide competitive cover for static caravans (caravan holiday homes), park homes, lodges (as well as twin lodges) and chalets. Find out more about our Caravan Holiday Home Insurance.