Great cover for your touring caravan

We understand that your touring caravan is your pride and joy.

Compass provides comprehensive cover, so you can relax and enjoy your happy place, wherever your travels may take you.

Speak to our friendly UK based team, or get a quote online.

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Key Features of our Touring Caravan Insurance

High levels of cover when in use, in storage or being towed

New for old cover up to 15 years

£5m Public Liability when being stored

24 hour emergency assistance, recovery and removal

Storm damage cover for your touring caravan and awning

Additional Features

  • £2.5m Public Liability when in use

  • Option for European cover for up to 180 days

  • Damage as a result of storm, flood, frost and escape of water, in addition to the usual insured perils

  • Cover for accidental damage

  • Cover for family and friends that are using your touring caravan

  • Emergency Accommodation for up to 14 days and £2,000 if you are unable to use your Caravan

  • Option to make your premium more affordable and spread your payments over 10 months via Direct Debit

  • Optional cover for Leisure Equipment and Gadgets available, from £50 per year (various options available)

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Why do I need Touring Caravan Insurance?

We know that your Touring Caravan is your pride and joy, and that protecting it against loss or damage is important to you. They have the potential to be damaged as a result of accidents when being towed, and as they are not permanently based on a caravan park, can be subject to break-ins or theft when not in use.

Touring Caravans come in all shapes and sizes, so you will need an insurance policy that can be tailored to your needs.

Whether you take your Touring Caravan out every weekend around the UK, visit the same places year in year out, or simply have it seasonally sited on a Holiday Park, getting the right cover is important.

Some important things to consider when taking out your insurance:

  • How and where you store your Caravan is important, make sure you have the right level of liability cover your storage location states you need (we give £5 million when in storage). We also also give discounts when you store your Caravan at a CaSSOA approved location, or for storing on a BH&HPA member Park.
  • Check that your policy covers you for the Caravan and all the fixtures and fittings such as fridges and cookers as well as any equipment.
  • If you do have an accident when towing, your car insurance won’t cover you and so make sure your Touring Caravan policy includes emergency assistance, recovery and removal.
  • We give discounts for things like security devices, alarms and trackers, secure storage sites and towing experience.

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FAQs

What is “New for Old” cover?

If you insure your touring caravan with Compass on a new for old basis, your touring caravan will be replaced* with the most recent, brand-new model (or an equivalent) following a total loss.

Similarly, if you were to make a claim for an irreparably broken window, you could expect a brand-new replacement window.

*It is important to note that this is Sums Insured dependent. Click here for more details on how to accurately calculate your Sums Insured.

What does “Sums Insured” mean?

Your “Sums Insured” is the total amount of money you’re insured for. On a Compass policy:

  • Your Structures Sums Insured is the total amount that your touring caravan (and associated equipment) is covered for.
  • Your Contents Sums Insured is the total amount that the contents you have in your caravan are insured for.

Together these form your Total Sums Insured.

I store my touring caravan on a park and then it is seasonally sited for most of the year, is this covered?

Yes we provide cover for touring caravans that are used in this way, the great news is that our public liability limit is £5m which is what most parks require for you to keep your caravan on site.

My family and friends sometimes borrow my touring caravan, is this covered?

Yes, our policy provides cover for you, your family or friends that are using your caravan with your permission.

The cover is subject to them complying with the terms and conditions of the policy, for example possessing the necessary license to tow the caravan on a public highway.

I use my Touring Caravan in connection with my business, can you cover me?

Unfortunately not, we only provide cover for people using their touring caravan for leisure and recreational purposes.

What is “Market Value” cover?

If you opt for market value cover for your touring caravan and subsequently have to make a claim for damage or loss, the “market value” principle will be applied.

For example, following a total loss, you would receive a payment for the market value of your caravan immediately prior to the loss (which may not equate to the Sums Insured amount stated on your policy schedule).

Similarly, if you were to make a claim for an irreparably broken window, you would receive a claims payment for the market value of the window (i.e., the payment would be unlikely to cover the cost of a brand-new equivalent).

As an alternative to market value cover, Compass offers New for Old cover. Please click here for more information.

Are my contents automatically covered under my Compass policy?

No. Your contents will not be insured under your Compass policy unless you specifically request cover for them.

I don’t know how much to insure my touring caravan for. Can you tell me?

Compass provides policies on a “non-advised” basis, which means we are not allowed to tell you how much your unit should be insured for. However, there are lots of ways to work out how much to insure for. For example, you can look at similar touring caravans for sale from the dealer you bought yours from, or you can look online at how much the make and model of your touring caravan is being sold for to assess its current value.

If I take my caravan to Europe, is this covered?

Not as standard, but you can add European cover to your policy for an additional premium either at the quote stage, at renewal, or at any point during your policy period by contacting us.

Do you offer discounts for people who are members of caravan clubs and societies?

Yes, our pricing takes into account things like club membership as well as using an accredited storage location.


Touring Caravan Insurance

For Policy Documents purchased directly with Compass

The following link is to our current caravan insurance policy wordings and Insurance Product Information Documents (IPID). Policies from the 1st December 2023 onwards will include reference to our optional add-on legal expenses insurance. For versions that pre-date June 2021 please get in touch with our team.

Click here for Direct Policy Documents

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