Caravan Insurance Spain for Expats

Spain is home to hundreds of thousands of caravans — both static holiday homes parked on campsites and touring vans towed around the country. Whether you own a static caravan on the Costa Blanca or you tour Spain in a tourer, dedicated caravan insurance is essential. Standard car or home policies rarely cover caravans adequately, and many expats find themselves underinsured until they make a claim.

Is Caravan Insurance Required by Law in Spain?

Third-party civil liability insurance is legally mandatory for any caravan being towed on Spanish roads. When your caravan is detached from the vehicle and parked on a campsite or private plot, third-party liability is still highly advisable — campsite regulations often require it, and you can be held personally liable for damage your static caravan causes to neighbouring units, persons or property.

For static caravans used as holiday accommodation, many autonomous communities have local regulations that require a minimum level of insurance. Check with your campsite administration for site-specific requirements.

What Does Caravan Insurance Cover?

Third-Party Liability

The legal minimum covers damage or injury your caravan causes to third parties — both while being towed and while stationary. This is the bare minimum required by Spanish law and by most reputable campsites.

Accidental Damage

Covers damage to your own caravan caused by collisions, overturning during towing, fire, explosion, and vandalism. Particularly important given Spain's high winds in areas such as the Costa de la Luz, Tarifa and the Canary Islands.

Storm and Weather Damage

Spain's weather can be extreme — from hailstorms in the interior to salt air and humidity on the coast. A comprehensive policy covers storm, hail, flooding and structural damage caused by adverse weather.

Theft and Break-In

Caravan theft is a real risk in Spain. Comprehensive policies cover the caravan itself plus contents up to a specified limit. Security devices (hitch locks, wheel clamps, tracker) can reduce your premium significantly.

Contents

Policies typically include contents cover (furnishings, electronics, bedding, kitchen equipment) up to €3,000–€10,000. Specify any high-value items separately when applying.

Awning and Annexe

Many policies extend to cover awnings, sun canopies and annexes attached to the caravan — confirm this is included, as it is sometimes an optional add-on.

How Much Does Caravan Insurance Cost in Spain?

Static caravan insurance typically starts from €100–€200/year for a basic policy with third-party and accidental damage cover. Touring caravan cover added to your existing car towing policy costs from €80–€150/year. Comprehensive static caravan policies with full contents, storm and theft cover range from €200–€600/year depending on the value of the caravan and its location.

Factors that affect your premium include: the caravan's age and value, security measures installed, the campsite or location it is kept, and whether you use it seasonally or year-round.

Types of Caravan We Cover

• Touring caravans (all brands: Bailey, Swift, Coachman, Elddis, Hobby, LMC, Adria)
• Static residential caravans
• Static holiday caravans on campsites
• Park homes
• American-style fifth-wheel trailers

For statics and mobile homes sited permanently on a campsite, see our dedicated static caravan insurance in Spain page.

Converted vans are covered on our campervan insurance page.