The right insurance at a great price. We look beyond the marketing headlines and prices to analyse claims, travel and complaints data and work out what travellers typically need from insurance for this type of trip. Then we read all the policy small print of over 30 leading insurers to check that policies cover what travellers actually need!
We analysed traveller needs for this type of trip and conducted a detailed review of insurer policy wording to provide an accurate view on the extent to which each policy does and does not meet those needs.
Prices shown on this page were generated for a camping trip to France for 2 adults (aged 41 and 40) and 3 children (aged 12, 10 and 8), departing on July 25th, 2026 for 14 nights. Travel insurance is a personalised product, a quote is generated for your trip based on your personal circumstances: your anticipated needs, the value of your trip and belongings and the risks associated with your travel scenario. To insure your trip you must confirm the details of your trip and generate a unique, live price. Prompted will chat with you to generate real quotes from leading travel insurers, and present them back to you to choose from and purchase.
Covers the big risks for a trip like this, including £2,000 cancellation with wide triggers including catastrophe near your accommodation and wildfire and storm cover. Gadget cover as standard.
Cover levels and excess per traveller
Covers the big risks for a family camping trip, including wildfire and storm cover as standard (a modest £1,000), £7,500 per-person cancellation and £2m personal liability
Cover levels and excess per traveller
A good fit for a family camping trip, with wildfire and storm cover as standard (a modest £750) and £1,000 per-person cancellation. Just be aware, driving isn't included unless you buy an add-on.
Cover levels and excess per traveller
A good fit for a family camping trip, with £5,000 cancellation with wide triggers including catastrophe near your accommodation. Be aware, baggage and camping gear aren't included unless you add on.
Cover levels and excess per traveller
Not a good fit for a family camping trip. The personal liability cover is lower than this trip needs, and there's no add-on to fix it. Wildfire and extreme-weather aren't included unless you add on.
Cover levels and excess per traveller
Not a good fit for this trip. The cancellation and curtailment cover is lower than this trip needs, and there's no add-on to fix it. Wildfire and extreme-weather aren't included unless you add on.
Cover levels and excess per traveller
Not a good fit. Wildfire and extreme-weather aren't covered, a real risk, and there's no add-on to fix it. Baggage and camping gear aren't included unless you buy an add-on.
Cover levels and excess per traveller
Covers most of what a family on a camping trip needs, but wildfire and extreme-weather aren't included unless you buy an add-on, a very real risk on a summer camping trip.
Cover levels and excess per traveller
We analysed scenarios, claims and complaints to identify the frequency and severity of risks. These are the key considerations when buying insurance for this type of trip.
France is in the EU, so a GHIC covers state treatment. It will not pay for a private clinic or, more importantly, repatriation if someone cannot travel home, which for a family who drove over can also mean recovering the car. A high medical limit with repatriation as standard is the foundation of the policy.
Cancellation is quoted per insured person, so each of the five travellers needs a limit covering their share of the crossing, pitch fees and any bookings. With three children, illness before departure is the most common reason to cancel, and curtailment covers an early return home.
A summer campsite is far more exposed to wildfire, heatwave and severe storms than a hotel, and an evacuation can end the stay. Catastrophe cover pays for alternative accommodation, travel or curtailment when a natural event disrupts the trip. Check it is standard rather than a paid extension.
On a campsite, with shared pools, facilities and equipment, the chance of accidentally injuring someone or damaging property is higher than in a hotel. Personal liability covers the legal costs and compensation, so the limit should be high. Claims between your own family and anything involving a motor vehicle are excluded.
You drive to the crossing, so a hold-up on the way, traffic, an accident or your own car breaking down, can mean missing the booked ferry or tunnel. Missed departure cover pays for the extra travel and accommodation to catch up. Check that reaching the crossing by car is covered, as some policies only trigger for public transport. Vehicle breakdown recovery itself is usually a separate motoring policy, not travel insurance.
Camping means belongings sit in the car and the tent, neither of which is secure. Cover for theft from a vehicle is limited, usually daytime only and from a locked boot with forced entry, and valuables or money left in a tent are excluded on almost every policy. These conditions matter more on a camping trip than any headline limit.
The excess applies per insured person and per section, so with five in the party one incident can attract it many times over. A low excess keeps a small claim worth making; weigh it against the premium.
A family of five brings a lot of kit. Check baggage is included as standard rather than a paid extra, and look at the single-item and valuables limits. Note that tents and camping equipment are excluded from baggage cover on many policies, so read that exclusion before relying on it.
A family policy covers everyone on one contract, but a child's cover is not always the same as an adult's. Personal-accident cover in particular is usually cut for under-18s, and a couple of policies give young children no personal-accident cover at all. The limits that matter most day to day, medical, cancellation and baggage, are quoted per person so each child has their own; the exception is personal liability, which some policies share across the whole family as a single limit.