Caravan insurance

Whether you’ve got a touring caravan, folding campervan or trailer tent — we’ve got insurance quotes to get you towing.

No need to feel left out if static caravans are more your thing — there’s quotes galore for you too.

Types of caravan insurance
Leaf through our Caravan insurance library
Looking for motorhome insurance instead?
Touring caravan insurance — if you’re towing your caravan, this will be your go-to
Static caravan insurance — if it’s a non-mover, you’ll want this kind of insurance — it can protect your contents too
Trailer tent and folding camper insurance — a hybrid of caravan and tent needs its own special type of protection
Your caravan could be covered for family and friends cover, storm damage cover and accidental damage cover.

So if the caravan’s a-rocking, just get a-hold of your insurer!

Caravans and cars
If you want to tow a hefty caravan and you passed your driving test on or after 1 January, 1997, you’ll need to do the B+E test (B+E refer to the categories on your driving licence).

Otherwise you’re limited to category B, which means you can tow a caravan weighing less than 750kg, or more so long as the total weight of your car plus caravan is less than 3,500kg.

If you passed before that date however, you’re good to go as long as:

Your caravan is within the towing limit of your vehicle
Your vehicle has a Maximum Authorised Mass of 3,500kg or less
Your car insurance may cover your touring caravan but it’s best to check before you begin to tow it.

Like most things in life, there are exceptions to the rule.

Did you know…?
An estimated one million leisure caravans are in use in the UK
Your caravan insurance may exclude things like:

Wear and tear
A mechanical breakdown
Using your caravan for trading
Damage from vermin
Caravan security
You might be able to get a cheaper deal on your insurance by making sure your caravan has security devices attached to it.

Put those pesky thieves off by using:

Wheel clamps
Taking your caravan to Europe
Fancy taking your caravan somewhere sunny?

You might already have basic European cover included in your caravan insurance policy.

But, if you ask your insurer nicely, you can potentially extend it so you have the same protection as you do in the UK. Adios!

More information
If you want to know more about all things caravans, check out our rocking caravan guides.

They deal with the different types of caravan insurance options, including use by family and friends, third party cover, public liability, fatal injury and insurance for contents and personal effects.

Read about things to look for on your policy, including exclusions relating to valuables, awnings, unforced entry, mechanical and electrical breakdown, wear and tear, mildew, vermin, storm damage, accidental damage, trade use, or use as a permanent residence.

There’s also information on the B+E test, a look at how security impacts on your premium, a guide to towing, information on breakdown cover, a guide to tyres and advice on what to take on a camping trip.
Find out how to save money by saving energy
By Peter Carr on Thursday 31 May 2018

The average household spends over £1,200 a year heating and powering their home. This makes energy bills one of the biggest costs for UK families, alongside council tax.
Woman changing light bulb
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When budgets are squeezed, energy prices can really cause a pinch on your finances. Even if you’re on the cheapest tariff available, you can still reduce your gas and electricity bills by saving energy.

While switching energy may be the easiest way to save money on your energy costs, there are many other ways to keep costs down that you can do in your home, which will save both money and hopefully the environment.

Most people use energy in the evening between 6-9pm, with the peak at 8pm.

Can I save money by reducing energy consumption?
If you follow all of the tips in this energy saving guide, and excluded the initial outlay, you could slash your utility bills considerably.

You could save even more money if you switch energy providers. Depending who your supplier is, you could save as much as £250* by switching to a cheaper deal – and it requires very little effort on your side. Make sure you compare energy prices to find the cheapest tariff for your energy usage and read our guide to switching suppliers.

How much energy does the average household use?
The average home (four occupants sharing) now uses 13 electronic appliances (TVs, laptops, etc.), compared with just four in 1990, according to the Energy Consumption in the UK (ECUK) 2017 report.

Despite owning more appliances, we still use roughly the same amount of energy as we did two decades ago. Even though our gadgets are much more efficient, there’s still a lot you can do to reduce energy consumption.

How to save electricity and gas
The tips below give you some tools and tactics that will help you save electricity and gas at home, alongside estimated figures from the Energy Saving Trust that illustrate the potential savings.

1. Turn off standby appliances
You can save electricity immediately by turning gadgets off at the plug. Games consoles, TVs and set-top boxes are the worst offenders – leaving these on standby can add some serious heat to energy bills.

Turn appliances off at the plug to save an average of £30 a year. These annual savings can reach between £50 and £80 for households with more gadgets.
Buy plug sockets that can be turned on and off via your phone, which cost around £20. You could also buy cheaper timer plugs to schedule turning appliances off.
2. Turn down your thermostat
Almost half the money spent on energy bills is absorbed by heating and hot water costs. Turning down your thermostat will help get this under control.

Turning your heating down by just one degree could save up to £80 a year.
3. Install a smart thermostat
Using a smart thermostat can save you even more energy because it’ll stop you warming rooms you don’t use. Smart thermostats learn how long it takes to heat a home and then turn the heating on at exactly the right time to bring it up to temperature. They can also be controlled by your phone, so you no longer have to come back to a cold home.

Smart thermometers can cost a few hundred pounds, but the leading models could save customers as much as a third on their heating bills.
If you installed room thermostats, programmers and thermostatic radiator valves, you could save around £75 a year.
How do smart thermostats work?

4. Buy efficient appliances
You’re not going to save money by chucking out a perfectly good appliance and replacing it with a newer, more efficient model. But when you are ready to replace appliances, then the Energy Saving Trust think it’s really worth investing in one with a high energy-efficiency rating.

An electric oven with the new A+ efficiency rating will use around 40% less energy than a B-rated oven.
A modern, efficient dishwasher will typically cost around £8 less a year to run compared to an older model.
An A+++ fridge freezer will save around £190 in energy bills over its 10-year lifetime compared to an A+ model.
5. Install a new boiler
You can also save energy by upgrading an old boiler to a new A-rated condensing boiler that comes with a programmer, room thermostat and thermostatic radiator controls.

Based on fuel prices in April 2017, a detached house upgrading from a G-rated boiler could save up to £320 a year.
Most effective energy saving activities

6. Wash at a lower temperature
With the right detergent you can wash your clothing at a lower temperature and save electricity, although you’ll occasionally want to run a hotter wash to keep the machine clean.

Washing at 30 degrees rather than 40 degrees can be a third cheaper, meaning savings of up to £52 a year.
7. Be smarter about water
Wasting warm water also adds to your energy bills because you pay twice – once for the water, and once to heat it unnecessarily.

You can save around £25 a year by washing up in a bowl rather than using a running tap.
You can get hold of some water-saving freebies from your water provider.
Buying a more efficient shower head can save you as much as £75 a year on your bills.
If you fit a shower timer in your bathroom, you could save up to £7 per person by cutting just one minute off every shower.
8. Invest in double glazing
Double glazing will not only insulate your home from the cold and help you to reduce your heating bills, it’ll help keep out noise too.

If your home is entirely single glazed, you could save as much as £160 a year by installing A-rated double glazing. However, smaller properties will see reduced savings.
9. Draught-proof your property
Most homes, especially older ones, lose heat through draughts. They can also stop a room feeling snug when it gets really cold, which makes it more tempting to turn up the thermostat. A quick and easy way to save energy is to use draught excluders for doors. You can also buy a simple draught-proofing kit from most DIY stores that you can easily fit yourself.

Block cracks in floors and skirting boards, line your letterbox and block an unused chimney to reduce your heating bills by up to £25 a year.
If you don’t have double glazing, you can buy plastic lining for your windows to save energy and keep more heat in.
10. Insulate the roof
You could save even more energy if you insulate your roof and stop heat escaping from your house. It’s worth considering employing someone to do this if you want to use your roof space, because this makes the process of insulating the roof more complicated.

While insulating your loft can cost several hundreds of pounds, it can also shave around £200 off your energy bills each year.
More energy saving tips

Consider a Smart Meter
If you’re conscious about how much energy you’re using, you should consider installing a Smart Meter to accurately track your consumption. Learn more about Smart Meters, and how they work, with our guide.

Be aware of expensive bills
If you’ve made strives to save energy but you are struggling to pay your bill, you should contact your supplier and see if there’s any help on offer. You should be able to negotiate a payment plan if your energy bills are becoming too much for your budget.

One viable option is to have a prepayment meter installed. That way, you can pay off your debt gradually, while paying for your current usage and avoiding sliding into further debt. But it must be noted that prepayment meters are often on a more expensive tariff.

Another way to save money would be to switch to a fixed tariff, as you might be able to save as much as £250 a year.