How to insure your 5th Wheel Caravan


Knowing where to look to insure your new 5th Wheel can be a headache so we have compiled a list of the top insurers to consider for your next policy. 

While it’s important to have insurance for your 5th wheel that covers collision damage having a good insurance policy will also cover you for whole host of areas you may not have thought of

Extensive cover whilst touring or in storage

This can include but not limited to storm damage, theft, fire flood and accidental damage

New for old cover, some policies up to 10 years old

If your 5th wheel is stolen or damaged beyond repair you could get a new replacement some policies cover second hand purchased 5th wheels too

Public liability cover

This cover will protect you against any claims against your for injury, damage or accidents

Fatal accident cover

Usually this is a lump sum payment for additional piece of mind

Recovery and redelivery of your 5th wheeler in the event of a claim

If due to damage sustained your 5th wheel cannot be towed it will be recovered and returned to you once it’s repaired

Additional coverage that can be added to most standard policies

5th wheeler emergency cover

The additional cover is perfect to cover your 5th wheel against domestic mechanical breakdown meaning if your heating fails or your water system springs  leak a technician will come to your aid to fix the issue

European cover

If you plan to take you new 5th wheel across to Europe then this additional coverage is a must this can cover your extended trips for up to 240 days

Legal expenses cover

Similar to a standard car policy this will cover against injury, recover uninsured losses and employment claims 

Gadget and Leisure equipment cover

Extend your policy both when you go away and at home to insure laptops, tablets, e-readers, games consoles, bicycles, fishing equipment, surfboards and your other essential gadget and leisure equipment 

Emergency accommodation

If your trip is unexpectedly interrupted and you need need emergency accommodation this could cover you for up to 30 days

It will be no surprise to learn that some of the biggest caravan and motorhome  insurers in the UK will offer a policy to cover your new 5th wheel however it is worth checking each company’s policies to ensure it covers your specific needs.

Towergate insurance is a familiar name in the industry and they offer a good value policy – Highlights of their cover includes:

  • Tailored coverage policies
  • New for old cover
  • Storm damage
  • Accidental damage
  • European cover
  • Low excess

To get a quote click here for to visit their website

Caravan Guard are one of the UK’s largest and most common insurers and they are well worth getting a quote from. Along with hundreds of great reviews online they also offer a discount on your new policy if you are a member of the Caravan & Motorhome club or the Camping and Caravanning Club. Below are some highlights of their policies:

  • Cover while your 5th wheel is in use or in storage
  • Gadget Cover
  • New for old cover
  • Emergency accommodation cover
  • European Cover

To read other customer reviews or to get a quote from Caravan Guard click here to visit their website

Coast Insurance are highly regarded within the 5th wheel community, these dedicated insurers offer policies to cover your every need, Some other policy highlights are:

  • New for old cover up to 10 years old
  • European travel cover
  • Loss of use cover
  • Personal accident cover 
  • Recovery and delivery expenses

For full details on policy limitations you can see their website here where you can get a quote for your new policy 

Campton Insurance is another firm that comes recommended from the UK 5th wheel and RV owners, they have policies that will cover your 5th wheel and all its contents and equipment, here are some notable points from their policy:

  • Personal Belongings cover
  • Gas bottle cover
  • Audio, AV and electrical cover
  • Suspension cover
  • Courtesy car
  • European Cover

For a full list of what could be included in your policy click here to visit the website

These are just a few of the best policies available on the market from some of the biggest insurers in the UK and also come recommended by hundreds of other users but don’t just take our word for it, there are also some useful online clubs and groups where additional research and recommendations can be found.

Try the fifth wheel owners club website and forum where other owners may be able to offer additional recommendations, you can find their website here. There is also an owner club on facebook that can be found here

When deciding what policy is best for you be sure that the cover limitations cover you, your 5th wheel its contents and equipment along with all the trip destinations you have planned especially if they are in Europe, being 100% covered means in the unlikely event you need to call on your insurer you’ll know you’ll be in capable hands.