We’ve checked out the caravan insurance offered by Caravan Guard. The touring and static caravan insurance policies are both 5-star Defaqto-rated. Here’s what else you need to know.
Whatever type of caravan you own, you’ll want to ensure it’s properly protected. Caravan Guard covers accidental damage, theft, storm, fire and flood. What’s more, it says careful caravan owners could be rewarded with a discount of up to 50%. We’ve highlighted all the key features.
Caravan Guard caravan insurance
- Up to 25% off no claims discount
- Rated 5-star for cover by research firm Defaqto
- Range of cover includes static and touring caravan insurance
- Extended European cover - up to 240 days
Who is Caravan Guard?
Caravan Guard is a specialist insurance provider with more than 30 years’ experience.
It offers policies for a wide range of caravans, as well as cover for campervans, motorhomes, holiday lodges, car and home insurance.
This insurer’s touring and static caravan cover are 5-star Defaqto-rated, and it says it offers discounts across all its policies, including a an extra 10% discount for every touring caravan policy purchased online.
Caravan Guard’s sister brand, which is Leisuredays, offers static caravan, holiday home, lodge and chalet insurance.
What types of caravan insurance are available?
- Touring caravan insurance. This is relevant for anyone towing a caravan on the roads for leisure. This is not a legal requirement but worth considering to keep a caravan protected whilst being towed.
- Static caravan insurance. This type of insurance is best suited to a caravan that is permanently fixed in one place. Although this is not a legal requirement, most holiday parks will require a basic level of protection in the form of caravan liability insurance.
Caravan Guard has also tailored its caravan insurance to offer:
- 5th wheel caravan insurance. This has been adapted from the touring caravan insurance to provide specialist protection for these ‘5th wheelers’ or ‘5vers’, which are gaining a steady following in the UK.
- Trailer tent insurance. Specialist cover for towing and storage all year round as well as storm and flood cover.
- Folding camper insurance. This specialist insurance provides year-round protection against “all risks” for touring and storage.
- Folding caravan insurance. This adapted touring caravan insurance provides cover while a folding caravan is in storage, being towed or pitched on site.
What is covered under my Caravan Guard policy?
- New for old option if caravan is less than 15 years old
- Awning storm damage cover
- Fire, theft, storm and flood damage
- Accidental damage
- Recover and redelivery, including whilst abroad
- Public liability cover up to £2.5 million
- Emergency accommodation or caravan hire
- European cover up to 180 days
- Sick driver cover
- Fatal accident benefit up to £25,000
- Key and lock cover for caravan and security devices up to £500
- Public liability cover up to £5 million
- Fire, theft, storm and flood damage
- Accidental damage
- New for old option
- Debris removal, re-siting and emergency repairs cover up to £10,000
- Fixtures and fittings cover
- Key and lock cover up to £500
- Emergency accommodation costs up to £75 a day for 15 days
- Emergency services damage up to £1,000
- Ground rent cover up to £2,500
- Fatal accident benefit up to £25,000
- Special occasions cover (with £2,500 contents cover increase around birthdays, weddings or religious festivals)
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Optional extras
Caravan Guard offers extras you can bolt onto your caravan policy, including:
- Legal expenses cover up to £100,000
- Gadget and leisure cover
- No-claims discount protection
- Extended European cover up to 240 days
- Home emergency cover
- Hiring out and loss of earnings cover for static caravans
- Emergency accommodation or caravan hire cover up to £100 a day for 30 days
General exclusions
Caravan Guard has some general exclusions that apply:
- When your caravan is being used for a purpose not included under your policy
- Mechanical or electrical breakdown
- Depreciation of your caravan
- General wear and tear
- Manufacturing defects
- Rust, corrosion or any gradual deterioration
Check your policy for further details to confirm your cover is valid.
How to save on your caravan insurance policy with Caravan Guard?
- Increase security. Fit security alarms and immobilisers to deter thieves. Fitting a security camera or tracking device may also be a good idea.
- Increase the excess. Agreeing to pay a bigger voluntary excess could make your overall premium cheaper. But remember that your insurer won’t pay out for a claim that costs less than your excess. So be careful about making it too high, as it could leave you out of pocket if damage occurs.
- Increase safety. Installing devices such as electronic anti-snaking devices, axle wheel locks to the caravan chassis or tyre pressure monitoring systems to caravan tyres, could result in additional discounts.
- Join a club. Savings could be made by becoming a member of a national or regional caravan owners’ club.
- Check the discounts. Caravan Guard has a range of discounts that can be applied to your premium so check which discounts apply to you so that you get the savings you deserve.
What is my excess?
Your insurance excess is the amount of money you have to pay towards a claim. Your insurer won’t pay out for a claim that costs less than this amount.
A voluntary excess is normally an amount set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess, which could in turn reduce your premium.
Meanwhile, a compulsory excess amount might vary depending on the age and standard of your caravan or your driving experience.
With Caravan Guard’s static caravan insurance, there is a compulsory excess of £75 while its touring caravan insurance carries a flexible excess starting from £100, which can be increased to reduce the premium.
You’ll find details about any compulsory or voluntary excesses in your policy document.
What is the claims process for Caravan Guard?
You can call the Caravan Guard claims line on 01422 501 083 to make a claim. This 24-hour claims line is open seven days a week.
You’ll need to have your insurance policy details as well as all facts about any incident to hand.
It’s important that you let your insurer know about an incident as soon as possible, even if it’s not your fault. A delay in reporting an incident or failure to report it could result in a rejected claim later on.
Frequently asked questions
*Disclaimer: Please take reasonable care to answer all the questions honestly and to the best of your knowledge. If you don’t answer the questions correctly, your policy may be cancelled, or your claim rejected or not fully paid.
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