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
- Extended European cover - up to 240 days
Whether you have a static or a touring caravan, you’ll want to ensure it is properly protected. E&L can cover both, there’s a range of cover levels to suit different budgets. Here’s what else we think you should know about this insurer.
E&L, or The Equine and Livestock Insurance Company, provides a range of personal and specialist financial products such as caravan, boat, bicycle, pet, horse and wedding insurance, amongst others.
Its caravan insurance caters to both touring and static caravans.
E&L, which has been going for more than 70 years, is a trading name of The Equine and Livestock Insurance Company Limited.
For static caravan insurance, there’s only one level but for touring caravans, there are four levels:
|Cover benefits||Vanguard 2||Vanguard 3||Vanguard 4|
|Fire and Theft||✓||✓||✓|
|Storm and flood||✓||✓||✓|
|New for old||2 year||3 year||5 year|
|European use||180 days||220 days||240 days|
|Personal accident cover||£12,500||£17,500||£22,500|
|Recovery and delivery costs||£650||£850||£1,050|
|Public liability cover||£1.25m||£1.75m||£2m|
Those choosing to pay every four weeks via E&L’s Lunar Monthly policy are likely to see increased premiums compared to making one, full payment or paying each calendar month. However, there are increased cover limits to certain benefits, including personal accident cover and public liability cover.
Check your policy details carefully to ensure you have the right cover for your needs.
E&L doesn’t offer any optional extras to bolt onto a caravan policy.
E&L has some general exclusions that apply:
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.
E&L has an excess of £129 on all policies.
You’ll find details about any compulsory or voluntary excesses in your policy document.
You can make a claim by visiting the help and information section of the E&L website. Once there, you will need to complete and submit an initial short form, which will then generate a link to the actual claims form.
You will then need to print this out, complete it and either fax it to 03300 241 971 or post it back to E&L at the following address:
Equine & Livestock Insurance Company Ltd
PO Box 100
If you have difficulties finding the suitable claim form relating to your claim online, you may call 03300 243 438 for further assistance. This line is open Mondays – Fridays 8am-7pm and Saturdays 9am – 12pm.
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.
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