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Specialist · Caravan · Touring

Touring caravan insurance cost UK 2026

The median touring caravan insurance premium is about £143 a year in 2026, and 51% of UK owners were quoted under £146 in the first quarter. Most comprehensive tourer policies land between £100 and £400 a year, rising to £300–£500+ once you add Europe cover, UK breakdown and legal assistance. Value, storage, security and no-claims history drive the number. Full price table, cover tiers and the discounts that cut the most below.

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~£143/yr
median UK tourer premium
up to 25%
off for CaSSOA Gold storage
£100–£400
typical annual range
Direct Answer

How much does touring caravan insurance cost in 2026?

A comprehensive touring caravan insurance policy typically costs £100 to £400 a year in the UK, with the market median sitting around £143. Confused.com and NimbleFins data for early 2026 show 51% of owners quoted under £146.44 for a standard tourer — far less than most people expect, because a touring caravan is towed rather than driven, has no engine to insure and spends most of the year parked. The single biggest lever on price is the caravan’s value: an entry-level tourer worth £5,000 insures from under £100, while a modern twin-axle worth £30,000+ runs to £300–£500 once you add the extras most tourers want.

Touring caravan insurance is not a legal requirement the way car insurance is — there is no equivalent of the Road Traffic Act obligation for a trailer. Your car policy’s third-party liability usually extends to a caravan while it is hitched and being towed, but that is all it covers: not theft, not accidental damage, not the contents, and nothing at all once the caravan is unhitched on a pitch. That gap is why standalone touring caravan cover exists, and why it is worth having even though no law forces it. This is the touring side of the picture — for static/holiday-home caravans and the wider market, see our caravan insurance cost guide.

Touring caravan insurance cost by caravan value — UK 2026
Value is the biggest single driver: a £30,000+ tourer costs roughly 3× more to insure than a £5,000 one.
Up to £5k£95 £5k–£10k£120 £10k–£15k£143 £15k–£20k£175 £20k–£30k£230 £30k+£310

Sources: NimbleFins Average Cost of Caravan Insurance 2026, Confused.com touring caravan price data, ABI leisure-vehicle figures and Car Insurance Expert composite quotes for comprehensive tourer policies.

Caravan valueTypical annual premiumCover levelNotes
Up to £5,000£95Comprehensive, basicOlder single-axle tourers
£5,000–£10,000£120ComprehensiveMost common used tourer band
£10,000–£15,000£143ComprehensiveMarket median (2026)
£15,000–£20,000£175Comprehensive + extrasNewer 4–6 berth vans
£20,000–£30,000£230Comprehensive + EU/breakdownModern twin-axle
£30,000+£310Comprehensive + full extrasPremium/new tourers

Sources: NimbleFins Average Cost of Caravan Insurance 2026 (median £143; 51% quoted under £146.44 Jan–Mar 2026), Confused.com touring caravan data and Car Insurance Expert composite quotes for comprehensive tourer policies with standard security and storage. Premiums shown are indicative mid-market figures; add roughly £15 for legal assistance and £45–£75 for UK breakdown if not bundled. Refresh: 2026-10-14.

What Drives The Price

The seven factors that set your touring caravan premium

Because there is no engine, licence or driving record to rate, touring caravan insurers price mostly on the caravan itself and how you protect it. The seven levers that move the quote most:

  1. Caravan value — the dominant factor. Cover is priced on replacement cost, so a £30,000 tourer costs roughly 3× a £5,000 one. Choose new-for-old (full replacement for vans under about 5 years old) or cheaper market-value settlement.
  2. Storage location — the second-biggest lever. A caravan stored on a CaSSOA-accredited site attracts up to a 25% discount at Gold-rated locations; kept on a driveway or the road it costs the most, because home-stored caravans are the most stolen.
  3. Security devices — a fitted alarm, wheel clamp or axle lock, hitch lock and tracker (VIN CHIP or AL-KO Secure) each earn a discount. Many insurers require a wheel clamp and hitch lock as a policy condition, not an optional extra.
  4. CRiS registration — a caravan registered on the Central Registration & Identification Scheme (its 17-digit CRiS/VIN number) is easier to trace and recover, which underwriters reward. You will need the CRiS number to make a theft claim.
  5. No-claims discount & claims history — caravan NCD builds separately from your car policy and can knock 30%+ off after several claim-free years.
  6. Usage & mileage — occasional UK weekend use is cheapest; frequent touring, long European trips and full-time living all push the price up.
  7. Extras and sums insured — awnings, contents and equipment cover, European cover and UK breakdown/recovery all add to the base premium. Insure the awning and contents for what they would actually cost to replace, not the caravan’s book value.

Theft is the reason security and storage matter so much: over the last three years around 1,625 touring caravans were reported stolen in the UK, with theft claims up roughly 9–15% year on year. A Gold CaSSOA pitch plus a tracker and axle lock is the single most cost-effective way to cut both your risk and your premium.

Cover Tiers & Savings

Cover levels and how to get the cheapest touring caravan insurance

Touring caravan cover is usually sold in three tiers. Knowing which one you actually need is the fastest way to avoid overpaying:

  • Basic / third-party & theft — the cheapest option, from under £100 a year for a low-value tourer. Covers theft and damage to the caravan but little else. Fine for an older, low-value van kept securely.
  • Comprehensive — the mainstream choice at roughly £120–£250 for most tourers. Adds accidental and storm damage, fire, flood and usually a level of contents and awning cover.
  • Comprehensive plus extras — £300–£500+ once you add European cover (essential if you tour the continent), UK breakdown and recovery, legal assistance and higher contents limits. Best for newer, higher-value vans and frequent tourers.

Six proven ways to bring the price down:

  1. Store on a CaSSOA site — up to 25% off at Gold-rated storage, the biggest single discount available.
  2. Fit and declare security — alarm, wheel clamp/axle lock, hitch lock and a tracker together can cut the premium materially and are often mandatory anyway.
  3. Register with CRiS and keep the paperwork — proves ownership, speeds recovery and reassures underwriters.
  4. Build and protect your caravan NCD — a separate no-claims discount that grows every claim-free year.
  5. Use a specialist caravan broker — the Caravan and Motorhome Club, Camping and Caravanning Club, Caravan Guard, Ripe and Shield offer members’ rates that mainstream comparison sites often can’t match.
  6. Match the cover to the van — drop European cover if you only tour the UK, and choose market-value rather than new-for-old on an older tourer.

One caveat on comparison sites: mainstream aggregators cover fewer caravan insurers than they do for cars, so the cheapest tourer quotes often come direct from specialist caravan schemes and the two big clubs. Always get at least one specialist quote alongside any comparison-site result. If you tour Europe, factor in separate continental cover limits before you book.

Common Questions

Touring caravan insurance FAQs

No. Unlike car insurance, there is no legal requirement to insure a touring caravan. Your car’s third-party liability normally extends to the caravan while it is hitched and being towed, which covers damage you cause to others but not theft, accidental damage, storm damage or contents — and nothing at all once the van is unhitched on a pitch. Standalone touring caravan insurance exists to close that gap, and with a median premium of around £143 a year it is inexpensive relative to a £10,000–£30,000 asset.
Most comprehensive touring caravan policies cost £100 to £400 a year, with a UK median around £143 in 2026 — 51% of owners were quoted under £146.44 in the first quarter. An older tourer worth under £5,000 can insure from under £100, while a £30,000+ twin-axle with European cover, breakdown and full extras runs to £300–£500. Value, storage and security are the biggest levers on where you land in that range.
A touring caravan has no engine, is towed rather than driven, and spends most of the year in storage, so it presents far less risk than a car in daily use. There is also no personal-injury liability to price for the way there is with driving. The main risks are theft and storm/accidental damage, both of which you can reduce with secure storage and security devices — which is why a well-protected tourer can cost under £150 a year to insure against a £600+ average car premium.
Yes — storage is the second-biggest lever after value. A caravan kept on a site accredited by the Caravan Storage Site Owners’ Association (CaSSOA) can attract a discount of up to 25% at Gold-rated locations, which feature monitored CCTV, perimeter fencing and controlled access. Silver and Bronze sites earn smaller discounts. Home or driveway storage is the most expensive because home-stored caravans are the most frequently stolen.
Most touring caravan policies make a wheel clamp and a hitch lock a condition of cover, not an optional extra — if the van is stolen without them fitted, a theft claim can be refused. Beyond that, fitting an alarm, an axle wheel lock, and a tracker such as a VIN CHIP or AL-KO Secure earns further discounts. Being CRiS-registered helps too, as it makes the caravan easier to trace and recover.
New-for-old replaces a written-off or stolen caravan with a brand-new equivalent and is usually available for vans up to about five years old — it costs more but protects the full value of a newer tourer. Market-value cover pays the second-hand value at the time of the claim and is cheaper, making it the sensible choice for an older, lower-value van where a new-for-old premium would be poor value. Match the basis to the age and worth of your caravan.
Only if you tour the continent. European cover is one of the biggest add-ons, pushing a policy from the £100–£250 comprehensive band up toward £300–£500, and it typically limits the number of days abroad per trip. If you only tour the UK, dropping European cover is one of the quickest ways to cut the premium. Check the day limit and whether UK breakdown/recovery is included or needs adding separately (roughly £45–£75).
Mainstream comparison sites cover fewer caravan insurers than they do for cars, so the cheapest tourer quotes often come direct from specialist schemes — Caravan Guard, Ripe, Shield and the Insurance Emporium — and from the two big member clubs, the Caravan and Motorhome Club and the Camping and Caravanning Club, which offer members’ rates. Get at least one specialist quote alongside any comparison-site result, and make sure security and CaSSOA storage discounts are applied before you compare like for like.

Our sources

  • NimbleFins — Average Cost of Caravan Insurance 2026 — median tourer premium ~£143 and the £100–£400 range
  • Confused.com touring caravan data — 51% of owners quoted under £146.44 (Jan–Mar 2026)
  • CaSSOA (Caravan Storage Site Owners’ Association) — Gold/Silver/Bronze storage tiers and up-to-25% discount
  • ABI (Association of British Insurers) — touring caravan theft trend (~1,625 stolen over three years)
  • CRiS (Central Registration & Identification Scheme) — caravan registration and recovery data
  • Car Insurance Expert composite quote data — 2026 sample across specialist tourer insurers by caravan value

Reviewed by the Car Insurance Expert editorial team

Figures are compiled from NimbleFins, Confused.com, ABI and specialist caravan-insurer data plus our own multi-scheme quote sampling, refreshed quarterly and reviewed by the Car Insurance Expert editorial team. Premiums are indicative mid-market figures for a typical comprehensive touring caravan policy and will vary with value, storage, security and no-claims history.

Last updated: 2026-07-14

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