Do I need insurance when my caravan or motorhome is kept at a storage facility?

Published in Caravanning Top Tips, Motorhoming Top Tips on   - 14 Comments

How would you rate this article?


  1. Berty says:

    Is there such a thing as storage only insurance. Covid means many of us are not taking to the roads …

    • A small number of insurance companies do offer “laid up” cover which is often a basic level of cover for risks such as fire and theft. We did look into creating such a product at the start of the pandemic but our claims stats showed that there were still a large proportion of claims caused by things like stormy weather, flooding and vandalism when caravans and motorhomes were off the road so we did not think it would meet the needs of owners.

  2. jack says:

    I have often thought what a waste of money paying insurance in the winter months when our van is inside locked up behind a big metal
    door and around four cars in front of it no way would you ever be able to get in out off there but the risk of the place falling down damage to our van by other users of the she well its not worthy the risk insure your van all year round for piece of mind

  3. Stephen says:

    I would also recomend that you have insurance all year round since getting my first caravan in 1980 I have been lucky and had only one break in by some lad looking for anything to sell to get more drugs we cought him and the insurance paid out for the new window.
    My 2010 caravan insurance costs £900 a year this can be hard sometimes to find I also have it in 24hr storage at a cost of £800 a year to lower the risk its fitted with a tracker two security locks I also find that if you lower the hitch so that its lower then you tow bar this can make it harder for the thief to hitch up and I also put bollard at all corners so that others nearby do not park to close as when the cover is on this can be hard to see in the dark

  4. Anne says:

    Yes I would recommend getting insurance. In January 2011 we had out 30 month old caravan stolen from storage, even with all the locks and a manufactured tracker on. Within days of reporting it stolen the insurance loss adjuster confirmed that we were very unlikely to see it again, as only 3% are found. They even suggested we go and look for a new one. Luckily 13 days later the police found it being towed to another storage site. Caravan guard were fantastic, sorted all the cost from police storage to the damage that had been caused by the thieves, and all the stolen items that were inside the caravan. You never expect it to happen to you, but it can, it is an awful feeling, shock, sick, anger. Someone taking your precious holiday home can be very expensive to replace. If we didn’t have insurance and didn’t get it back we would have been £20,000 out of pocket, but we did get it back and the cost of repairs, storage and stolen items came to about £3,000. It takes years to build up your holiday home and only minutes to lose it. If you value your holiday home I would highly recommend getting insurance. You never know, it could happen to you.

    • Lucie @ Caravan Guard says:

      Hi Anne,
      Thanks for getting in touch and sharing what happened to you. It’s great to hear that you were happy with the service we provided – and that your beloved caravan was returned to you!

  5. Eldon Lingard says:

    I store my caravan in Spain and have found it impossible to insure. The storage site insures against accidental damage but not theft. when the caravan is on site it is not insured. do you know of any way around this.

  6. Howard Mills says:

    We keep our van at Money Tree Farm, a site near Wotton, Norfolk. The owners live on site and have CCTV. After 8pm a second gate is locked across the locked gate we use to get in and regularly patrol on a quad bike.
    They also offer a valeting service. The van is alarmed and has a”tea cosy” over it. I would recommend this site to other potential van storers.

  7. Eileen Holt says:

    You have not mentioned the fact that it is a good idea to take the wheels off the caravan at the end of the season and use “winter wheels” (axle stands)–I think that this would stop any thief! I keep my van at a friends house and her husband always takes my wheels off for me every winter. My insurers seem happy with this.

    • Lucie @ Caravan Guard says:

      Hi Eileen,

      Winter wheels are a great way of protecting your caravan yes. There’s more tips on winterization here should you want to take a look.



  8. Diane. says:

    I do agree you should keep your caravan or motorhome insurance going all the time.

  9. mr keith hird says:

    i am uk born /citizen that returns annually from australia to visit relatives . Our m/home is left in a very secure storage cassoa approved facility, however after dozens of applications to avariety of uk insurance companies i am unable to obtain ins cover simply because i am no longer a resident !! Cover whilst in use on road, yes, but not in storage.!! r.s.v.p

  10. William Woodacre says:

    Can you tell me who would be responcible for damage to a caravan in storage.There is a sign up saying the owner of the sight is not responcible for any damage.When they take the van on and off.
    Thank you

    • Lucie @ Caravan Guard says:

      Hi William,

      That would depend on the storage site you choose. Probably best speaking to the storage site owner as they should know who’s responsible for the caravan.



Leave a Reply

Why choose us?
Number 1 on ReviewCentre
Number one for service and value
RSA Logo
Reassuringly good cover from a leading insurer
Award winning customer service
Award winning company
Web Secure online quotes
Safe and secure online quotes
Trusted family business since 1984
Confidence in a trusted family business
Highly rated claims service
Highly rated claims service
Money back guarantee
Money back guarantee
NCC Logo
Member of the National Caravan Council
Heart Research Logo
Heart Research donation for every paperless policy
Plain English policy icon
Plain English policy and documents
Great value icon
Great value for money