Whatever its weight, the Insurance Code, in its article L.211-1, specifies that the caravan must be covered, at a minimum, by civil liability insurance. Some insurances provide that the car insurance also covers the caravan whose GVW does not exceed 750 kg.
This coverage can be free or with a supplement. Before putting the caravan into circulation, you must first check whether your car insurance contract provides for the automatic and informal coverage of this type of vehicle. If this is not the case, you must notify your insurer.
Over 750 kg, compulsory independent insurance
Between 500 and 750 kg GVW, the caravan can be covered by your car insurance, but it must be registered and therefore have its own gray card.
From 750 kg, you must take out insurance independent of that of the vehicle; the caravan has its own registration certificate and you must equip it with an automatic braking system in the event of unhitching during traffic.
Due to the equipment you may have, options like theft and burglary should help protect the hardware.
Possible options for your insurance
Apart from civil liability, you can choose formulas that better cover your property: content insurance (depending on the equipment installed), extended damage warranty (covers in particular broken windows and skylights, awnings and even, sometimes, audiovisual equipment), all-accident damage cover (for claims when the caravan is stationary), and. Check with your insurer that the warranty applies when the caravan is hitched or unhitched.
If your caravan is used solely for residential use, you are not required to take out car insurance. But you must take out liability insurance to be able to install your caravan in an authorized site.