We’ve analysed caravan insurance from The Camping and Caravanning Club. It offers extra discounts for becoming a member, and its touring caravan insurance policy is 5-star Defaqto-rated.
If you’re the proud owner of a static or touring caravan, you’ll want to make sure that it’s properly protected.
The Camping and Caravanning Club’s touring caravan insurance is highly rated and there are several discounts that can reduce premiums by up to 60%.
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 The Camping and Caravanning Club?
The Camping and Caravanning Club has hundreds of sites that campers in caravans, motorhomes or tents can enjoy. Club members get to stay in exclusive, secluded locations.
The Camping and Caravanning Club also offers a wide range of insurance such as car, caravan, boat, tent, motorhome and home insurance, amongst others.
Members and non-members can use of The Camping and Caravanning Club to obtain a caravan insurance quote, but members will benefit from extra discounts and promotions.
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.
- Caravan holiday home insurance. This type of insurance is best suited to a caravan that is permanently fixed in one place such as a static caravan, chalet, park lodge or log cabin. Although this is not a legal requirement, most holiday parks will require a basic level of protection in the form of caravan liability insurance.
What is covered under my The Camping and Caravanning Club caravan policy?
| Cover benefits | Member | Non-member |
|---|---|---|
| Theft or attempted theft cover | ✓ | ✓ |
| Contents cover up to £1,500/td> | ✓ | |
| Repatriation cover | ✓ | ✓ |
| Driver injury/illness cover | ✓ | ✓ |
| Agreed value cover | ✓ | ✓ |
| Market value cover | ✓ | ✓ |
| New for old cover | Up to 15 years old | Up to 10 years old |
| Personal accident cover up to £50,000 | ✓ | ✓ |
| Public liability cover up to £5 million | ✓ | ✓ |
| Sports equipment cover | ✓ | ✓ |
| Alternative accommodation/loss of use cover up to £3,500 | ✓ | ✓ |
| Pup tent cover up to £50 | ✓ | ✓ |
| Pet injury cover up to £500 | ✓ | ✓ |
| Friends and family cover | ✓ | ✓ |
| Free TOWSAFE report | ✓ | ✓ |
Optional extras for touring caravan insurance
- Accidental damage cover
- European cover up to 365 days
- Increased personal accident cover up to the age of 85
- Increased public liability cover
- No-claims discount protection
- Key cover up to £1,500
- Legal expenses cover up to £100,000
Caravan holiday home insurance (for static caravans, chalets, log cabins etc)
| Cover benefits | Member | Non-member |
|---|---|---|
| Storm and flood cover (including fire, smoke, lightning, earthquake, riots and falling trees) | ✓ | ✓ |
| Accidental damage (with restrictions) | ✓ | ✓ |
| Outbuildings cover such as balconies, patios and storage chests | ✓ | ✓ |
| Cover for debris removal and re-siting costs up to £10,000 | ✓ | ✓ |
| Theft or attempted theft cover | ✓ | ✓ |
| Contents cover up to £2,500 (with single article limit) | ✓ | ✓ |
| 45% of contents sum covered for electronic gaming or computer equipment | ✓ | ✓ |
| Market value cover | ✓ | ✓ |
| New for old cover up to 20 years | ✓ | ✓ |
| Refrigerated and frozen food cover up to £350 | ✓ | ✓ |
| Personal accident cover up to £50,000 | ✓ | ✓ |
| Bicycles and wheelchair cover up to £500 | ✓ | ✓ |
| Title deed cover up to £750 | ✓ | ✓ |
| Loss of money cover up to £500 | ✓ | ✓ |
| Damage caused by emergency services up to £750 | ✓ | ✓ |
| Friends and family cover | ✓ | ✓ |
| Special occasions cover up to £3,000 for December and wedding gifts | ✓ | ✓ |
Optional extras for static caravan insurance
- Accidental damage cover
- Sports equipment cover
- Key cover up to £1,500
- Legal expenses cover up to £50,000
Compare caravan insurance
General exclusions
The Camping and Caravanning Club has some general exclusions that apply:
- When your caravan is being used for a purpose not included under your policy
- General wear and tear
- Rust, corrosion rot or any gradual deterioration
- Mechanical, electrical faults or routine maintenance
- Deliberate or criminal acts
- Any loss or damage that occurred before the policy start date
- Any claims that are covered by any other insurance
How to save on your caravan insurance policy with The Camping and Caravanning Club
- 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 the club. The Camping and Caravanning Club has a huge range of discounts that can be applied to your premium.
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.
All the caravan insurance policies that are provided by Club Care come with £100 excess as standard. This excess would increase if the caravan was stolen however, there would be no excess to pay if the stolen caravan had appropriate safety and security measures in place beforehand.
You’ll find details about any compulsory or voluntary excesses in your policy document.
What is the claims process for The Camping and Caravanning Club?
You will need to call the Club Care claims line on 01277 243 001 to make a claim.
It’s worth having your insurance policy details as well as all facts about any incident to hand before calling.
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.
Membership benefits with The Camping and Caravanning Club
Becoming a member of The Camping and Caravanning Club before taking out caravan insurance could get you a 5% discount on your policy. Members could also benefit from a range of other discounts relating to safety, security, towing and storage; providing up to a maximum of 60% reduction to the total touring caravan insurance premium.