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Lunar is a popular brand of caravan manufactured by a United Kingdom brand. They offer a wide range of affordable models of caravans to suit different needs, preferences, and budgets.

Top Lunar Caravan Models

Some of the popular Lunar caravan models include;

  • Lunar Quasar: The quasar model is known for its lightweight construction and versatile layout. It is ideal for seasonal pitches and is popular among couples and families.

  • Lunar Lexon: This model combines practicability with elegance. It bridges the gap between touring caravans and luxury models by offering ample space and comfort for longer stays. The Lunar Lexon also comes with features large panoramic windows and user-friendly windows.
  • Lunar Clubman: The clubman range offers luxurious features and stylish designs. You can use these well-equipped caravans to enjoy comfortable travel. They are also known to offer value for your money.
  • Lunar Delta: The Delta series is designed with a focus on luxury and convenience. It is also for those looking for modern styling and premium features.
  • Lunar Venus: These models are ideal for first-time buyers due to their affordability and lightweight construction. They are also ideal for those with smaller towing vehicles.

How much does it cost to insure a Lunar caravan?

The total cost of insuring any caravan depends on several factors, just like insuring a car. However, depending on the LMC model and other factors listed below, expect to pay €100 - €400 for annual cover.

Generally, static caravans have relatively cheap insurance compared to touring caravans. This is because static caravans are less likely to get into an accident, unlike touring caravans, which are always on the road.

Several factors can influence the cost of insuring a caravan, and these include:

  • The Lunar caravan model: The insurance will be based on the actual costs, so more expensive models will attract a higher premium, as they will cost more to replace if destroyed or stolen.
  • New for Old Cover: Some caravan insurers will offer new for old caravan cover but is often restricted to caravans that are under 3-5 years old. This type of cover is more expensive than standard market value insurance, but if you have invested heavily it may be an attractive option.
  • Storage & Location: If you can store your caravan safely when not in use, this will significantly reduce the cost of insurance compared to having it stored in a less secure location (e.g., driveway or street).
  • Caravan Club Membership: Most insurance providers offer discounts to caravan owners who are members of a caravanning club.
    Modifications: Any changes made since the caravan left the factory can impact the cost, it is important to make your insurance provider of any such mods, for example, make your caravan wheelchair friendly. It is also wise to speak with your insurance provider before making changes and make sure any changes are professionally carried out.
  • Modifications : Any changes made since the caravan left the factory can impact the cost, it is important to make your insurance provider of any such mods, for example make your caravan wheelchair friendly. It is also wise to speak with your insurance provider before making change and make sure any changes are professionally carried out.
  • Age of Policyholder and Claims History: Owners under 25 are often considered higher risk than older caravan owners. It is best to build up a good history of no claims that will keep a lid on costs.
  • Projected mileage: The number of miles covered over a year influences the cost of cover for your lunar touring caravan, the higher the miles covered, the increased risk to the insurance company. Conversely, limited road use can help reduce the cost of cover.

Lowering the cost of Lunar Caravan Insurance

Below, we suggest some great ways to lower the cost of touring caravan insurance or motorhome insurance:

  • Increase the voluntary excess: Increasing this can help you reduce your insurance cost, but remember the excess amount you will be held liable for in the event of any claim.

  • Improve Caravan Security: Speak with your insurance provider about how you can improve security, as this should help lower insurance costs. Consider adding an insurance approved alarm and immobiliser. Also look at adding a tracking device to make recovery easier should it be stolen.
  • Get multiple quotes: Getting quotes from a lot of providers is now easy and is one of the best ways to save money on campervan insurance.
  • Build up a history of no claims: This is a longer term approach that will be rewarded with cheaper insurance quotes as you prove to prospective insurers that your risk of claiming is low.
  • Named Drivers: If possible, opt for a named driver policy over any driver van insurance option. Having any driver will give you more flexibility but will attract a much higher premium as risk will be greater for the insurance provider. If you need any driver add some restrictions, for example, accept only drivers over 25.

Lunar Caravan Insurance FAQ's

how much is Caravan insurance

The average price of motorhome insurance is around GBP375 for a motorhome valued under £40,000. The actual price will be determined by a number of factors including the driver's driving history, actual cost of the motorhome and how the motorhome is stored when not in use.

Do I need Caravan insurance?

Whilst caravan insurance is not a legal requirement, a caravan is a large investment, and it is wise to consider taking out insurance to protect against loss or damage. Also take note that according to reporting by the AA around 4,000 caravans are stolen each and every year in the UK.

Will My Caravan Be Covered If I Lend It to a Friend?

A standard caravan insurance policy will not provide cover if you lend out your caravan in return for monetary gain or any other form of reward. Caravan terms will differ and some will be okay with lending to friends and family without reward, but others may not. So before handing over the keys, check the terms of your cover.

Does my car insurance cover towing a caravan

This will depend on your car insurance policy, but at most the cover provided will be third party only, which means without actual caravan insurance you would be liable for any damage in the event of an accident when towing.

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