Do Caravans Need Insurance, MOT or Servicing? The UK Owner’s Guide

New to caravanning or just double checking the rules before a trip? Here is the simple answer on caravan insurance, MOT and servicing, written for UK drivers who want clear guidance and practical steps.

Touring caravans in the UK do not need an MOT by law. Caravan insurance is also not a legal requirement, although it is strongly recommended to protect against theft, damage and liability. Annual servicing is not legally required, yet it is advised to keep the caravan roadworthy, protect resale value and meet warranty conditions.

The laws are simpler than most forum threads make them sound. There is no MOT for touring caravans, and insurance is not compulsory. That said, real life has a way of throwing curveballs, and a caravan is a meaningful purchase. The smart play is to keep it safe, insured and documented, so holidays stay stress free and resale stays strong.


Caravan insurance. Do you actually need it?

Strictly speaking, no. There is no legal requirement for caravan insurance in the UK. Many owners still insure because the cover handles nasty surprises that would be costly on your own. Think theft from storage, storm damage on the driveway, or a claim if your caravan causes injury or damage while being towed or sited.

Typical caravan insurance covers: theft or attempted theft, accidental damage on and off the road, fire, storm and flood, contents to a set limit, and public liability. Some sites ask for proof of insurance before arrival. That alone makes it worth a look.

Not sure which policy fits your setup or where you store your caravan? Our service advisers can share impartial pointers and help you compare features. Start with a quick chat through our contact us page, and we will steer you to providers who actually understand leisure vehicles.


MOT. What does the law say about caravans?

Touring caravans do not need an MOT. Your towing vehicle still does, and you are responsible for keeping the caravan roadworthy. That means safe tyres, working brakes and lights, sound chassis and hitch, and no obvious structural faults. Think of it like this. No MOT does not mean no maintenance.

A quick pre‑trip check takes minutes and saves headaches later. If anything feels off, book a professional inspection before you tow to the Lakes or over to the ferry terminal.


Annual caravan servicing. Is it worth it?

Yes. A yearly service is the best way to spot small problems before they spoil a weekend or become expensive. We recommend booking with an NCC Approved Workshop technician. That keeps safety standards high and protects any manufacturer warranty that requires a stamped service record.

What a full caravan service usually checks:

  • Chassis, hitch head, overrun device and running gear
  • Braking system function and adjustment
  • 12V and 230V electrics, RCD test and appliance function
  • Gas system tightness test and appliance performance
  • Water system, heater and taps
  • Bodywork, seals and a damp report with moisture readings

Skipping services can hurt resale value. Buyers love paperwork. A tidy service book says the caravan has been cared for, which helps it sell faster and for a better price.


Quick caravan owner’s checklist

  • Check tyre age and pressureservicing. Aim for tyres under five years old.
  • Test all lights and indicators before you leave the driveway.
  • Carry towing mirrors, a spare wheel, a jack and a torque wrench.
  • Keep your insurance documents handy, even if digital.
  • Book your annual service at our Nottingham or Darlington location.
  • If you spot scuffs, cracks or soft walls, see our Caravan Repairs page for SMART repair, panel work and damp fixes.

Related help from Kimberley


FAQs. Most searched caravan questions

Do caravans need to be insured in the UK?

No. Insurance is not a legal requirement, although it is strongly recommended for theft, damage and liability cover.


Does a touring caravan need an MOT?

No. There is no MOT for touring caravans in the UK. Your tow car still needs its MOT.


How often should a caravan be serviced?

Once a year is a sensible rhythm. Damp and mechanical issues can develop while the caravan is parked, so time matters as much as mileage.


Can I service my caravan myself?

You can do simple checks at home. For brakes, gas and electrics, use a qualified workshop to maintain safety and keep any warranty valid.


Do static caravans need an MOT or servicing?

Statics do not have MOTs. A maintenance routine is still important for gas safety, electrics, water systems and general condition.


What are the legal requirements for towing a caravan in the UK?

Your car must be roadworthy and insured. You need a valid driving licence. You may need towing mirrors. Observe weight limits and keep your number plate visible and lit.


What should I check before buying a used caravan?

Look for damp, service history, tyre age, brake condition, appliance function and any signs of accident repair. If unsure, book a pre‑purchase inspection with our workshop.


Ready to book a service or want friendly, no pressure advice. Reach the team through our Servicing page or pop into your nearest location. We are here to help you travel safely and enjoy the trip.

Browsing new models while you plan the maintenance. Have a look at our latest Coachman range or check the site for current used stock. A well serviced caravan pairs nicely with a layout that fits how you actually holiday.

Book servicing at Kimberley