Caravan insurance for families with young children

Caravanning with young children means extra planning, extra packing and extra things to think about, from toys and tablets to travel gear and outdoor kit.  All of it worth protecting.

 Caravan insurance for families with young children helps cover the caravan itself, what’s inside and the potential problems that could disrupt your trip.

 In this guide, we’ll explain what to look for in a policy, which features matter most for families, and how to avoid common gaps in cover.

When you’re travelling with children, a standard caravan policy might not go far enough. Family-focused caravan insurance is designed to reflect the extra people and things you’ll be bringing with you. It can offer higher limits for your contents, extra protection for accidental damage, and cover for things like awnings, pushchairs or emergency accommodation if something goes wrong.

Importantly, it also considers how families use their caravans, with multiple drivers, frequent weekend breaks and the need for flexibility if plans change.

Most caravan insurance policies fall into two categories: touring and static. If you’re taking trips with the family, you’ll most likely need touring caravan insurance. These are some of the main factors to look out for as a parent:

Contents cover

Not all policies automatically include protection for what’s inside your caravan. If you’re bringing tablets, toys, prams, travel cots or sports equipment, make sure you look for caravan insurance with contents cover and check the single-item value limits.

Everywhen for example includes contents cover with limits up to £500 per item. Items stored in the awning while in use are also covered up to £500 or 10% of the contents sum insured.

Public liability

Public liability insurance is essential if young children are playing outside the caravan. This covers you if someone is accidentally injured or their property is damaged because of your caravan.

Everywhen includes public liability cover up to £5 million for accidental injury or property damage caused by your caravan to members of the public whilst on site.

Family use

Check who’s allowed to tow or use the caravan. Some motor insurance policies restrict who can tow or use the caravan, such as excluding younger drivers or non-named individuals. Make sure it fits how your family travels.

New-for-old vs market value

New-for-old cover replaces your caravan and its contents with brand-new like for like equivalents if they’re damaged or stolen. 

Market value cover pays out a cash settlement based on the current depreciated value. If you want the reassurance of full replacement without factoring in wear and tear, new-for-old offers stronger protection. Everywhen offer both new for old and market value cover options.

Not all caravan insurance policies are designed with families in mind. When comparing cover, focus on features that reflect the way you travel, with more people, more belongings and more things to consider:

Choose contents cover that keeps up

The value of toys, tablets, prams and scooters can all add up. Look for higher contents limits, especially if you plan spending a lot of time holidaying within your caravan.

Prioritise protection for accidents and damage

Life with children is unpredictable. Accidental damage cover is essential for your caravan and it’s contents  to offer  protection  from accidental damage or theft. The public liability cover can protect you from the fallout of accidental damage or injury caused to others arising from your caravan whilst on site or in store.

Make sure your awning is included

If your awning or canopy creates space for family meals or sleeping bags, check it’s listed on your policy. Some insurers might treat it as an add-on.

Check EU cover upfront

Planning a trip to France or Spain? Make sure your caravan is covered for overseas travel, breakdowns and repatriation.

Emergency accommodation for loss of use is a must-have

If something goes wrong mid-trip, the last thing you want is to search for a hotel with tired kids in tow. Some providers will offer this automatically, others don’t. Everywhen provide Loss of use cover as standard on their touring caravan policies.

 Review age limits and driver restrictions

Will a partner or younger family member be helping with towing? Make sure the policy doesn’t exclude them by age or licence type.

Look for breakdown assistance with family needs in mind

Basic breakdown cover might only include the vehicle. Look for policies that include onward travel or roadside support for the whole family.

Adding security and child-safety features like these to your caravan can reduce risks and lower what you pay for insurance: 

●  Use approved security devices — Wheel clamps, hitch locks and trackers can deter theft and might lead to a lower premium. Some insurers offer discounts for certain brands or locks meeting certain standards.

●  Declare any child-friendly modifications — Fitted bunk beds, stair gates or cupboard locks help keep children safe but should be declared. Unlisted changes could affect your cover.

●  Keep up with maintenance — Regular safety checks on tyres, electrics and gas systems show you’re a responsible owner and reduce the risk of claims.

●  Store your caravan securely — Keeping your caravan at a secure storage site, especially one with a recognised safety rating, can cut the risk of damage or theft.

Keeping caravan insurance affordable starts with choosing the right type of policy. If you only travel during school holidays, a seasonal policy might cost less than full annual cover. But if you’re away often, year-round insurance is typically better value.

Bundling your caravan policy with home, car or travel insurance could also bring savings. Some insurers offer discounts for combining cover. Over time, building a no-claims history helps reduce your premium too. And fitting security features like approved wheel locks or trackers may lower the cost even further.

While it’s natural to look for ways to save, having the right cover in place means you’re protected when it really matters — especially if plans go off track.

Caravan holidays should be about spending quality time together, not worrying about what could go wrong. With the right cover in place, you can travel knowing you’ve protected what matters most.

 At Everywhen, we offer caravan insurance designed to suit how families really travel, with clear options, flexible features and support when you need it. Get in touch to get started on crafting a policy with us.

Browse our caravan insurance options and see if we can assist you in a new or updated policy.

Get a quote today, either online or by phoning us on 0330 808 9130.