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
Backed by a leading UK insurer – RSA
Range of cover includes static and touring caravan insurance
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 rated 5 star by their customers on Trustpilot, 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.
The caravan insurance from Caravan Guard is underwritten by RSA (Royal & Sun Alliance Insurance Ltd).
Caravan Guard Ltd is authorised and regulated by the Financial Conduct Authority.
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.
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 £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)
Check your policy details carefully to ensure you have the right cover for your needs.
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
Yes. If you wish, Caravan Guard policies can start instantly.
A quote from Caravan Guard is valid for three months.
Yes, Caravan Guard offers policies that can be paid in full or by monthly direct debit payments.
No. Caravan Guard only offers annual caravan insurance policies.
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Liz Edwards has been a consumer writer and editor for more than 20 years. She led award-winning teams at the campaigning publisher Which?, and has covered a range of consumer rights and personal finance topics including pensions, credit, banking and insurance. Liz has appeared frequently in national media such as The Sun, Metro, HuffPost and The Independent. She loves to cut through waffle to give consumers the real lowdown. And she loves puns. See full bio
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