Managing your Caravan Cover Claims
We hope that you never have to claim on the cover that you have to financially protect your caravan (our Caravan Cover or your caravan insurance) but if you do suffer from accidental damage, fire or theft to your caravan, we have created an overview of the most recent information about the claims we have received in the last two years, in case this information is useful and helpful.
Owning a caravan gives you the freedom to experience exciting adventures, however like many other valuable assets, caravans are susceptible to accidental damage and attractive to thieves. Our Caravan Cover plays a crucial role in safeguarding your investment and provides financial protection should an unforeseen incident occur.
What was the most common claim type?
Accidental damage remains the most frequent reason for a claim, rising from 58% in 2024 to 64% in 2025. The vast majority of these incidents occur during low-speed maneuvering—specifically, hitting posts, walls, or other vehicles. While inflation and Brexit-related supply chain issues have largely stabilized, the cost of parts and labor remains high, making prevention better than a cure.
Top tips on preventing an accident
To help reduce the likelihood of having to make an accidental damage claim, use these helpful measures:
- Making sure your caravan has a regular maintenance service to ensure that its tyres, brakes and other essential parts are in good working order.
- Adhering to the recommended weight limits and towing capabilities, which helps prevent strain on your caravan and reduces the risk of accidents.
- If you're new to touring or have purchased a new outfit that you're not used to, practising how to manoeuvre in an empty car park or quiet road, preferably with someone to teach you, will help you improve your technique. You can learn new or refresh your skills with the Club’s caravan-specific training courses. Once completed, you can get a discount on your Caravan Cover cost as well as on your Car Insurance with the Club (discounts can be applied when you take out our Caravan Cover or Car Insurance or at your next renewal).
- Many members recommend using a caravan mover to help them with alignment and getting their caravan in and out of a tight storage space or for precise manoeuvring onto a pitch. In many cases, a mover is a simpler and better solution than attempting precise manoeuvring with a towcar; however, there will be times when manoeuvring with the car is necessary, which is why we recommend our towing courses even for the experienced tourer!
What is the highest-cost type of claim?
While we saw a slight reduction in the number of theft claims in 2025, the average cost of a theft claim rose to £18,000—an increase of over £1,000 from the previous year. This rise is partly due to thieves increasingly targeting newer, high-value models.
Like accidental damage, there are always measures you can take to reduce the likelihood of having to make a caravan theft claim, including:
- Make it harder to steal - use good quality security products, such as an accredited hitch lock, and a wheel lock or clamp. Ideally, fit an alarm and tracker to your outfit too. The more deterrents the better!
- Use secure storage - our claims data shows that a large proportion of stolen vans were taken while stored on farms and farmland. Club storage or other storage sites accredited by CaSSOA (especially their ‘Gold’ or ‘Platinum’ sites) are usually the most secure. Remember that availability near to you could be limited. Check what security the site you choose has (e.g. barriers, CCTV and on-site personnel for instance) and be sure to check the features listed for that site are working too.
- Home storage - if you keep your caravan at home, try to keep it out of sight of the main road and difficult to access; for example keep it in a back garden behind a locked gate, as thieves tend to target what they can see. In addition to the security devices already mentioned, if possible use a security post and consider installing automatic security lights and CCTV on the outside of your home. A cover may also help disguise the caravan’s attractiveness too.
- Stay vigilant - make sure security devices are fitted properly even if you are only making a short stop en route, for example at motorway services. Many thefts are opportunistic, so don’t give them the chance, and watch out for any suspicious behaviour.
- Help with recovery - report any theft to the police and your insurance claims team as soon as possible. Ensure alarms and tracking subscriptions are active and that your registration details are kept separate to your outfit. The first 24 hours after a theft are often key.