Yes. While some comprehensive car insurance policies extend limited cover to a towed caravan while in motion, this is usually insufficient. Dedicated caravan insurance covers the caravan when parked, stored, and in use — including contents, accidental damage, and theft while at a campsite. Check your car policy carefully and obtain a standalone caravan policy for adequate protection.

Caravan insurance typically covers: accidental damage to the caravan body and chassis, theft of the caravan, fire damage, storm and weather damage, caravan contents (bedding, appliances, furniture), awning and annexe, and third-party liability while the caravan is in use. Exclusions typically include general wear and tear and vermin damage.

Caravans are typically insured on a retail replacement value basis. The insured value should reflect current market replacement cost. Some policies use a fixed agreed value. As caravans depreciate, the sum insured should be reviewed annually to avoid underinsurance.

Most dedicated caravan policies cover theft of the caravan and contents while at an approved campsite, provided security conditions are met (e.g., the caravan is locked and security devices are engaged). Check policy conditions around unoccupied periods and campsite security requirements.