Do I Need Temporary Caravan Insurance

In this guide, we’ll explain how it might work for you and highlight the scenarios in which temporary caravan insurance is usually used.

What is temporary caravan insurance?

Temporary caravan insurance is a type of policy that offers a short, predefined coverage period, usually from as little as one day to a few months. Unlike annual policies, temporary insurance is designed for when you don’t use your caravan frequently or only need protection during certain events or times of year. It offers flexibility and can keep costs down when you don’t require ongoing insurance.

*It is worth pointing out however that damage claims can occur at any time during the year including whilst your caravan is in store and not in use. For this reason, we don’t offer short period cover ourselves and instead recommend annual policies. We recognise that not all customers wish to arrange annual cover, but the choice is yours.

When might you need temporary caravan insurance?

We’ve put together a list of the most common scenarios in which it’s worth considering temporary caravan insurance. Let’s break them down.

Short-term trips or holidays

If you only really use your caravan for short holidays, the odd getaway or weekend trips, investing in temporary insurance is a way to keep your holiday home protected without hurting your wallet. With this policy, you’ll get coverage for the duration of your trip which can include accidental damage, theft, and third-party liability.

Buying or selling a caravan

Temporary insurance can provide much needed peace of mind when first purchasing a caravan. It makes sure your caravan is covered while you review the annual options available, protecting you from potential risks during the transitional period. It’s also a helpful policy to take out if you’re selling a caravan and want to keep it insured during the selling period without buying annual coverage.

Borrowing or lending a caravan

If you’re borrowing a caravan from a friend or family member, you should make sure that you’re covered for your time with the caravan. Temporary caravan insurance can protect both the borrower and the owner from potential risks, meaning you can relax during your time with the caravan.

Towing or transporting a caravan

Whether you’re moving your caravan to a new storage location or towing it for someone else, a temporary insurance policy can provide cover for damage or accidents that happen in transit.

Attending events or festivals

Temporary caravan insurance is especially useful for events, festivals or short-term stays at caravan parks or campsites. These trips can be unpredictable due to the amount of people at the event. Here, theft, damage and third-party liability during your stay is essential. Whether you're using the caravan as temporary accommodation, storage, or something else entirely, temporary insurance can give you invaluable protection.

Repair or maintenance periods

While travelling to have your caravan repaired or maintained, temporary insurance can be helpful. It can protect your holiday home from damage during this period and you might only need to take out the policy for a day or two, saving you money in the long run.

Do you need temporary caravan insurance?

Before deciding on temporary caravan insurance, consider your specific situation. In many cases an annual policy is preferable, as you're covered all year round and don’t have to pay multiple fees (including for cancellations).

Caravan insurance from Towergate

Looking to get your caravan insured? We offer annual caravan insurance that suits you and your needs. Get in touch and we’ll find what works best for you.

Get a caravan insurance quote

Get a specialist caravan insurance quote from us today, either online or by phoning us on 0330 808 9130. 

About the author

Adam Summersby is a respected leader with 11 years’ varied experience in niche personal and commercial lines insurance, including caravan, site operators and excess reimbursement, with proficiency in leadership, sales and account management.