Personal Lines Insurance

Caravan Insurance

Specialist protection for caravans, motorhomes, and holiday homes. Comprehensive cover for your vehicle, contents, and personal liability with flexible options for seasonal and year-round use.

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Important: Focus Insurance Services is an insurance broker, not an insurer. We arrange cover on your behalf and provide advice tailored to your needs. Policy terms, conditions, and exclusions apply. Please read all documentation carefully.

What Does Caravan Insurance Cover?

Caravan insurance provides specialist protection for your caravan, motorhome, or holiday home. The exact coverage depends on your policy, but may include:

Vehicle Cover

Protection for the caravan or motorhome structure against accidental damage, theft, vandalism, fire, and other insured perils.

Contents Insurance

Cover for personal belongings and equipment inside your caravan, including furniture, electronics, cooking equipment, and leisure items.

Personal Liability

Protection if you accidentally injure someone or damage their property while using your caravan. Typically covers up to £1m in liability.

Breakdown Assistance

24/7 roadside assistance for mechanical breakdowns, towing, and recovery services while travelling.

Holiday Home Cover

For static caravans and holiday homes, protection against damage, theft, and liability while the property is unoccupied.

Accidental Damage

Optional cover for accidental damage to the caravan structure and contents.

Legal Expenses

Cover for legal costs related to caravan-related disputes and claims.

Emergency Accommodation

Cover for temporary accommodation costs if your caravan becomes unusable due to an insured event.

Seasonal Storage

Flexible cover options for seasonal use, including off-season storage protection.

Why Choose Focus Insurance?

As an independent broker, we work for you – not the insurers. Our expertise ensures you get the right cover at the right price.

Specialist Expertise

Dedicated caravan insurance specialists who understand the unique risks and requirements.

Personal Service

Expert advisors who take time to understand your caravan use and tailor your cover accordingly.

24/7 Breakdown Support

Round-the-clock assistance for emergencies and roadside support when travelling.

Flexible Coverage

Customisable policies for seasonal use, year-round touring, or static holiday homes.

Is This Cover Right for You?

This insurance is designed for property owners and investors who need comprehensive protection. It may be suitable if you:

Caravan owners for leisure travel and holidays
Motorhome owners and full-time travellers
Static caravan and holiday home owners
Seasonal caravan users requiring flexible cover
Anyone towing a caravan requiring specialist protection
Caravan owners wanting comprehensive breakdown assistance

What We'll Need for Your Quote

1
Caravan or motorhome make, model, and year
2
Caravan or motorhome value
3
Estimated value of contents
4
Type of use (leisure, full-time, seasonal, etc.)
5
Storage location when not in use
6
Towing vehicle details (if applicable)
7
Previous caravan insurance history
8
Any modifications or upgrades to the vehicle
9
Annual mileage or usage patterns

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Common Questions

Quick answers to frequently asked questions about this insurance

What does caravan insurance cover?Do I need separate insurance for a static caravan?Is my caravan covered while being towed?What is CaSSOA and why does it matter for caravan insurance?Can I insure caravan contents separately?

View all FAQs

Frequently Asked Questions

Do I need separate insurance for my caravan?

Yes, caravans require specialist insurance separate from standard car insurance. Caravan insurance covers the caravan structure, contents, and liability specific to caravan use.

What's the difference between towing and motorhome cover?

Towing cover insures a caravan being towed by a separate vehicle. Motorhome cover insures a self-contained vehicle. Both provide specialist protection for caravan-specific risks.

Can I get seasonal cover for my caravan?

Yes, many policies offer seasonal cover options for caravans used only during certain months. This can be more appropriate than year-round cover.

What's included in breakdown assistance?

Breakdown assistance typically includes roadside recovery, towing to a repair facility, emergency accommodation, and onward travel arrangements.

Does caravan insurance cover contents?

Yes, contents cover is typically included or available as an optional extra. It protects your personal belongings and equipment inside the caravan.

What happens if my caravan is damaged while parked?

Accidental damage cover protects against damage while your caravan is parked or stationary. Contact us immediately after an incident for claims support.

Ready to Discuss Your Insurance Needs?

Our experienced team is here to help. Get in touch for a no-obligation conversation about your requirements.