There are generally two types of caravans, touring or static, insurance for caravans is different for both kinds. A static caravan is usually on a semi-permanent pitch on a caravan site so doesn’t require as much insurance as its counterpart the touring caravan. Statics are serviced with water, sewers and electricity in contrast to a caravan that is towed behind a vehicle often travelling long distances. 
With this in mind a touring caravan is obviously subject to risks on the road which can include collisions with other vehicles, accidents caused by side winds and also incorrect loading of the caravan itself. Static caravans have different types of risks such as site flooding and damage caused by falling trees, so should be insured accordingly.
Shop Around
As with any other insurance, for instance car, home, life and travel it’s advisable to shop around for caravan insurance by searching online. Caravans are used so much more throughout peak holiday seasons so you could save some money for insurance by requesting a free no-obligation quote from an online broker out of season, maybe during the winter months. Caravan owners are often surprised to find out that insurance companies have different rates for different times of the year. Another tip for saving money is by letting a broker know how often you intend to take your caravan out on the road. If you’re only using it for your annual summer vacation they may offer you temporary caravan insurance for that period only. Caravan owners who have years of no-claims bonuses for their cars may benefit from extra discounts from brokers on their caravan insurance, they should speak to an adviser about this and other possible savings. Caravanners who have installed safety devices for example immobilisers, wheel clamps or alarms could be offered additional savings too as brokers will see their caravan as less of a security risk than vehicles that have no security at all.
Established Brokers
Established brokers are the people to contact regarding caravan insurance. They employ professional staff who can provide you with a tailor-made caravan policy and have online facilities in place for owners to instantly get a quote and buy an insurance package. Check out the following which is usually included in caravan insurance supplied by experienced brokers:-
- IAM caravan course discount
- Caravan club discount
- Public liability cover
- Standard European cover