Temporary caravan insurance: uses, obligations and concrete examples

Temporary caravan insurance: uses, obligations and concrete examples

Need to move your caravan for a few days? Temporary insurance covers liability, damage and assistance without taking out an annual contract.

Whether you're going away for the weekend, moving your caravan to a new storage location, or only using it a few days a year, you need appropriate insurance. Temporary caravan insurance is ideal when use is occasional and an annual policy would be unnecessary. It allows you to cover your caravan—hitched or unhitched—for a short period, while still complying with legal requirements.
Here are the specific situations where this solution is most useful, the essential guarantees and how KT Tempo supports you.

Why temporary caravan insurance?

A caravan must be insured as soon as it is driven on public roads or even when parked , depending on the circumstances. Temporary insurance is ideal for:

  • infrequent use (1 to 3 times per year),
  • an isolated trip (transport or change of campsite),
  • a one-off rental,
  • repatriation or resale,
  • an exceptional journey before winter storage or maintenance.
  • a move towards a storage area.

This flexible formula allows you to cover only the necessary period, from 1 to 90 days , without long-term commitment.

Specific examples of the use of temporary caravan insurance

1. Move your caravan to a new campsite

You are changing your location or wish to join a campsite for a one-off stay.
→ Temporary insurance covers the caravan during the journey, even on the motorway.

2. Repatriating a second-hand caravan

Purchase between individuals, import or recovery after being listed for sale:
→ Short-term insurance allows you to legally return the caravan.

3. Travel for technical inspection or maintenance work

Some caravans require repairs:

  • revision,
  • axle change,
  • bodywork repair
  • leak test.
    → Temporary insurance covers transport to the garage.

4. Timely transport before winter storage

Before winter, you want to move your caravan to an enclosed or secure location.
→ A temporary contract will be more than sufficient for this one-off journey.

5. Renting or lending occasionally to a relative

If you lend your caravan to family or friends for a few days:
→ You must have active insurance for the period of the loan or rental.

6. Participation in an event, gathering or competition

Some caravans are used as accommodation during events:

  • caravanning gatherings,
  • sporting events,
  • exhibitions.
    → Temporary insurance protects the caravan during the journey and sometimes on site.

7. Moving a caravan that has been immobilized for a long time

After a long period of not being driven, a caravan must be towed to a garage or a plot of land.
→ Temporary insurance allows you to make this trip without legal risk.

Legal obligations: what you absolutely need to know

✔ Caravan with a maximum authorized mass (MAM) ≤ 750 kg

In most cases :

  • It is covered by the towing vehicle's insurance.
  • But you must declare the hitch to the insurer.
  • certain guarantees do not apply automatically (theft, damage to the caravan itself).

✔ Caravan with a maximum authorized mass (MAM) > 750 kg

Mandatory :

  • clean vehicle registration document
  • license plate,
  • separate , specific insurance for the towing vehicle.
    → In this case, temporary caravan insurance is essential .

✔ Parking

A caravan parked alone on the public road must be insured, even if it is not hitched.

Essential guarantees in temporary caravan insurance

Mandatory civil liability insurance

Covers damage caused to third parties (other vehicles, pedestrians, private property, etc.).

Damage to the caravan

Depending on the chosen formula:

  • fire,
  • storm,
  • shock/collision
  • theft or attempted theft.

Assistance / Troubleshooting

Very useful for a caravan that hasn't been driven for a long time.

"Content" option

Some contracts offer an option covering:

  • furniture,
  • camping equipment,
  • Interior fittings.

Flexible duration

From 1 day to 3 months depending on your actual need.

Documents required to subscribe with KT Tempo

  • Caravan registration certificate (if GVWR > 750 kg)
  • Subscriber's identity
  • Information about the desired duration
  • Hitch & towing vehicle if needed

→ Immediate certificate after payment: you can drive the same day.

Conclusion

Temporary caravan insurance is the ideal solution for all occasional uses: moving to a campsite, lending to a relative, repatriation, maintenance, or winter storage. Flexible, economical, and quick to take out, it allows you to cover your caravan for exactly the necessary period, without an annual commitment.
With KT Tempo, you benefit from reliable protection tailored to your actual use.

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