Motorhome Motorhome



Three easy steps to renew your policy


You'll need your renewal invitation documents before you can renew your policy for the year ahead. We usually send these 3-4 weeks before your renewal is due.

The premium in your renewal invitation is based on the replacement value you most recently gave us for your motorhome or campervan. Unfortunately we can’t update this without your permission, but as the value of both new and old motorhomes change, you may need to update your sums insured before you renew.

Use our handy guide below to make sure you're insuring your motorhome for the appropriate value.

I am insuring...

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Renew online now
(without making any changes)
 Call 01422 396 789


Specialist cover as standard

     
  • Fully comprehensive specialist motorhome cover
    Reassurance of accidental damage cover and no excess for windscreen repairs
    •  
  • 24 hour UK recovery and roadside breakdown assistance (operated by AXA Assistance)
    A specialist team will help if you get stuck and recover you no matter how big your motorhome
    •  
  • £5,000 equipment and personal possessions cover
    For portable items such as trailers, awnings, gas bottles, generators, TVs and clothing
    •  
  • £100,000 motor legal expenses (for any motorhome or car owned by you)
    Can be used to fund legal proceedings to recover uninsured losses (such as your excess) from the driver at fault, where you have greater than a 51% chance of compensation success
    •  
  • £20 million public liability cover
    Protection from legal claims made against you or insured drivers for accidents, injuries or damage
    •  
  • £1,000 cover for keys and locks
    Feel secure with replacement locks, keys and transmitters following theft
    •  
  • £15,000 personal accident cover
    A little peace of mind provided by a lump sum payment following a major accident
    •  
  • Awning storm damage
    Both your motorhome and awning are covered should they be caught in a storm

Optional cover

Your policy schedule will tell you if these are included on your policy.

  • European cover
    Enjoy the freedom to take trips abroad for up to 9 months, be it a hop across the channel or a full tour of Europe
    Click to read list of countries covered
  • European breakdown recovery
    Extends our specialist motorhome recovery service for trips abroad, including cover for repatriation costs
    •  
  • Protected no claim discount
    Help to keep your premiums low even if you have to claim (available for 4+ years no claim discount, subject to your claims history)
    •  
  • Emergency accommodation cover:
    Fall back on up to £75 daily for a maximum of 15 days so you can continue your holiday - or choose up to £100 per day for up to 30 days
    •  
  • Named drivers
    Flexibility to add up to four extra named drivers



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To read the policy wording in full click here. Your policy schedule will tell you which optional covers are included on your policy. If you wish to add, remove or discuss any policy options, please call us to speak to one of our friendly advisers for a renewal review.

Renew online now
(without making any changes)
 Call 01422 396 789

More great ways to reduce your premium

Could you lower your mileage?
Fewer miles could mean a lower premium. You need to make sure it will cover you for the year ahead but why not review your mileage to see if you could reduce this?

Would you be willing to increase your excess?
An ‘excess’ is the amount you would be asked to pay in the unfortunate event of a claim. You can find this figure on the schedule in your renewal invitation. Sometimes we can reduce your premium if you'd be prepared to pay more.

Have you had any new safety or security devices fitted?
We offer discounts for a range of devices - read more here.

Have you checked your drivers?
The number of additional drivers on your policy and their claims history can affect your premium. Your renewal may be a good time to review this.


This website provides a brief summary of the policy cover and options that are available to you. Benefits and discounts are subject to change and are subject to terms and conditions, cover level and underwriting criteria. Minimum premiums apply. For more information on this insurance policy, you can download a specimen policy or policy summary from our motorhome insurance documents section.

How would you like to pay?


Prefer to call?

Caravan Guard open hours
If there are any changes in your circumstances, or if you wish to add, remove or discuss any policy options, please call us on 01422 396 789 to speak to one of our friendly advisers for a renewal review.


Call 01422 396 789
 Renew online now
(without making any changes)

Don’t take our word for it

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If you'd like to know more about Caravan Guard or our products, visit our homepage or click here to view our frequently asked questions

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New for old ×
You will have ‘new for old’ cover if your motorhome or campervan is under two years old, was purchased from new and has done less than 24,000 miles. If this does not apply to your motorhome, please see ‘market value’ cover.

With ‘new for old’ cover, you can enjoy a brand new motorhome if yours is damaged beyond economic repair or stolen and not recovered within its first two years. To insure ‘new for old’ your sums insured value must represent the current, brand new cost to buy your motorhome (or nearest equivalent model).

Please be aware that your premium may increase slightly in your second year of ‘new for old’ cover due to new motorhome price inflation.
Market value ×

If your motorhome or campervan is no longer brand new, it is likely you will have ‘market value cover’. This means that if you had a claim where your motorhome was damaged beyond economic repair or stolen and not recovered, you would receive a cash settlement that reflects the value of your motorhome and equipment at the time of the incident. Your sums insured should therefore represent current market values.

In many cases a reduction in market value can reduce your premium – please contact us if you would like to update this.

Already paying by Direct Debit? ×

If the account details in your renewal invitation are incorrect or have changed, please call us on 01422 396 789.


Please note, the first monthly payment for your renewed policy may not be taken until up to 14 days after your renewal date. After this, your payments will revert to your usual payment date.


Cheques ×

Please send your cheque made payable to "Caravan Guard Ltd" to Caravan Guard, New Road, Halifax, HX1 2JZ.


Please make sure you print your full name and postcode on the reverse and make sure that we receive your cheque before your policy expires. Once your payment has been received you will receive confirmation of your renewal by email or post.


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Motorhome European insurance cover ×

Our European motorhome insurance option gives you comprehensive cover to visit the countries listed in the table below.

The endorsement section of your policy schedule shows if European insurance and / or European breakdown options are in force.

The maximum amount of time that can be spent in any one country is 180 consecutive days. The maximum amount of time that can be spent abroad in Europe overall is 9 months within each policy year.

Green Cards

To visit certain countries you may require a Green Card, which proves you have the minimum legal requirements for third party liability insurance.

We can issue a Green Card on request, you can do this online here. Please contact us in good time with details of the countries you are travelling to and the dates you will be in each country.

Please note that our European breakdown provider AXA Assistance and legal expenses provider Auxillis Limited (formerly Albany Assistance Limited) do not provide cover in Albania, Macedonia, Montenegro, Serbia (excluding Kosovo), or the Faroe Islands.

Scroll down to see list of countries

Albania Additional cover required – please contact us
Andorra Tick
Austria Tick
Belgium tick
Bulgaria* tick
Croatia tick
Cyprus (Greek)** tick
Czech Republic tick
Denmark tick
Estonia tick
Faroe Islands Additional cover required – please contact us
Finland tick
France (inc Monaco) tick
Germany tick
Greece tick
Hungary tick
Iceland tick
Ireland tick
Italy (inc San Marino & Vatican) tick
Latvia tick
Liechtenstein tick
Lithuania tick
Luxembourg tick
Macedonia Additional cover required – please contact us
Malta tick
Montenegro Additional cover required – please contact us
Netherlands tick
Norway tick
Poland tick
Portugal (inc Madeira) tick
Romania* tick
Serbia (excluding Kosovo) Additional cover required – please contact us
Slovak Republic tick
Slovenia tick
Spain (inc Balearics & Canaries) tick
Sweden tick
Switzerand tick
UK (inc Gibraltar) tick

Countries listed correct as of 28/02/2019.

Credit / debit card ×

Call us on 01422 396 789 (automated service out of hours).


We don’t charge any additional fees for credit or debit card payments. However, credit cards cost us more to process - paying by debit card helps us to keep premiums down.


Once your payment has been received you will receive confirmation of your renewal by email or post.

You can also renew online if you don't need to make any changes.


Bank transfer / online banking ×

Please send your premium to the following bank account, using the last seven digits of your policy number as the reference to help us identify your policy.

Account number: 00554722
Sort code: 30-93-76
Reference: The last seven digits of your policy number
(e.g. for policy number L09/CGHH0123456, your unique reference would be 0123456)


Please take care to use the correct reference to avoid a delay in renewing your policy. Your renewal will only be complete once we have received the bank transfer.


Please make sure we receive your payment before your policy expires. Unfortunately payments sent on a weekend won’t reach our account until the following Monday. Once your payment has been received you will receive confirmation of your renewal by email or post.


Personal possessions ×

Do I really need this?
Personal possessions are items you bring from home, e.g. clothing or bedding. We can cover these items in or about your motorhome. These items are often covered under your home insurance. There is a single item limit on your schedule and our policy does not cover high risk items such as cameras or jewellery.

Up to 10% for customers over 30 years old ×

We reward mature caravan owners with up to 10% discount.

No claim discount ×

No claim discount for insured and claim free years:

  • 1 year = 10%
  • 2 years = 15%
  • 3 years = 20%
  • 4 years = 22%
  • 5 years = 24%
  • 6+ years = 25%

It is possible to protect a 3 year no claim discount.

Don't miss out! An introductory discount may be available if you have previous experience of towing or driving a larger vehicle (even if it wasn't insured in your name).

Discount for caravan tracking devices ×

Such devices can help locate your stolen caravan by guiding police to its position using GPS, GSM or VHF technology. Not all tracking devices qualify for our discount. Please see our list of approved touring caravan tracking devices.

Learn more about caravan tracking devices
Axle wheel lock discount ×

An axle wheel lock attaches to the caravan chassis. Once the wheel is jacked up and lined up with the chassis receiver, a locking plate is fitted through the wheel to lock it in place. Examples of axle wheel locks include the AL-KO Secure or BPW/SAS/Winterhoff Diamond Wheel Lock. We accept these devices in place of a traditional wheel clamp and you will also qualify for an additional discount.

If you are unsure whether your device qualifies please click here

Discount for a caravan alarm ×

If your caravan already has an alarm or you plan to fit an alarm you can claim another insurance discount. There are many alarm systems available for caravans. The best types of alarm monitor movement inside the caravan using Passive Infra-Red (PIR) sensors and/or will trigger via tilt sensors if a thief attempts to tow your caravan away.

Learn more about caravan alarm systems
Secure storage discounts ×

When you store your caravan at a CaSSOA Platinum, Gold or Silver approved storage site your premium will be lower than it would be on a storage site in the same postcode area. Platinum and Gold approved CaSSOA sites get the largest savings. Silver approved CaSSOA sites get a smaller insurance discount. To check if your storage site has CaSSOA approval visit www.cassoa.co.uk. Note discounts are subject to minimum premiums.

Learn more about caravan storage
Discount for CaSSOA Platinum/Gold/Silver Award storage ×

We reward owners that keep their caravans in a CaSSOA Platinum, Gold or Silver approved secure storage site.

CaSSOA awards storage sites a Platinum, Gold, Silver or Bronze security rating dependent on the number of security features they have in place. These could include perimeter fencing, access control, alarm systems or CCTV. To check if your storage site has a Gold or Silver Award, you can visit their website at www.cassoa.co.uk

Electronic anti-snaking devices ×

Electronic trailer control systems such as 'Al-Ko ATC' or 'BPW iDC' work in a similar way to ESP in cars by braking the caravan's wheels if it senses loss of control. This helps to prevent snaking and keep the caravan under control during extreme driving conditions, such as hard braking or swerving to avoid an accident.

Some new caravans have a system fitted as standard. It can also be retro fitted to some caravan chassis.

Discount for VIN Chip Plus marking ×

We offer a discount for VIN Chip Plus where it is fitted in addition to the basic Vin Chip kit found as standard on all UK caravans from 2016 onwards.

VIN Chip Plus provides an additional electronic RFID chip, microdot solution, UV marker and additional tamper resistant labels all coded with a caravan's unique VIN number. The kit makes it even harder for thieves to hide a caravan's true identity or helps police make contact with its legal owner following theft.

Please Note: This discount is not available in combination with the discount for other security marking products.

Other security marking

Most UK caravans have a CRiS or VIN number displayed in their windows. However, additional marking kits can be bought for extra protection. Marking is often applied using a liquid containing microdots or 'chemical DNA' invisible to the naked eye but revealed using a UV torch. These carry a unique code linking a caravan back to its legal owner therefore improving its chances of being recovered if stolen. We give a discount for the following security marking products:

  • CRiS Extra/Plus*
  • Data Tag
  • DNA+
  • Micro-Tag
  • SelectaDNA
  • Smart Water
  • Stop Theft
  • Thiefbeaters

*CRiS Extra/Plus must be in addition to any standard 17 digit CRiS window and chassis markings found on UK caravans since 1992 and standard CRiS tag / chip found on UK caravans since 1998.

Window stickers are usually provided by the product manufacturers to warn thieves that the caravan is fitted with additional security marking. Please note this discount is not available in combination with the discount for VIN Chip Plus.

Please Note: This discount is not available in combination with the discount for VIN Chip Plus.

Tyre safety devices ×
Tyron bands

Tyron wheel safety bands greatly reduce the risk of accident through loss of control after tyre deflation by helping to keep the tyre in place following punctures, blow-outs and under inflation.

Discount for Tyre pressure monitoring

Incorrectly inflated tyres can affect the way a caravan tows and may lead to a serious accident. That's why we offer a discount for tyre pressure monitoring systems (TPMS) fitted to caravan tyres. TPMS systems work by placing sensors either on the tyre valves or inside the wheels. These sensors continuously measure the pressure and temperature of the tyres and transmit information wirelessly to a monitor inside the tow car and sound an alarm if there's any abnormality. Popular makes include TyrePal or Snooper's Tyre Pilot. We don't give discounts for TPMS systems fitted to the tyres of tow vehicles.

Discount for tyre sealant

We offer a discount for pre-puncture tyre sealant or slime, which is a proactive defence against tyre punctures and can help prevent an accident. It's injected through the tyre valves and coats the inside of the tyres. In the event of a puncture, and when the penetrating object is removed, a small amount of tyre sealant is squeezed through the puncture hole to seal the tyre. We offer this discount for the likes of Phantom Tyre Protector and Ultra Seal. Please note the discount does not apply for post-puncture tyre sealant kits which are only used to temporarily repair tyres following a puncture.

Discount for reversing cameras ×

We offer discounts for caravans fitted with rear view cameras or reversing sensors, as they can help to prevent manoeuvring accidents.

Mounted on the back of the caravan, reversing cameras are designed to give drivers a complete view of what is behind their caravan. The camera transmits images to a monitor secured to the towcar's dashboard or windscreen

Please Note: We do not offer discounts for reversing aid(s) fitted only to the pulling vehicle.

Discount for reversing sensors

We offer discounts for caravans fitted with rear view cameras or reversing sensors, as they can help to prevent manoeuvring accidents.

Reversing sensors (often slightly cheaper than cameras) are usually inserted or stuck onto a caravan's rear panel. They use ultrasonic technology to emit a series of audible beeps inside the towcar, which sound closer together as the caravan moves towards to an object.

Please Note: We do not offer discounts for reversing aid(s) fitted only to the towing vehicle.

Discount for VIN Chip Plus marking ×

We offer a discount for VIN Chip Plus where it is fitted in addition to the basic Vin Chip kit found as standard on all UK caravans from 2016 onwards.

VIN Chip Plus provides an additional electronic RFID chip, microdot solution, UV marker and additional tamper resistant labels all coded with a caravan's unique VIN number. The kit makes it even harder for thieves to hide a caravan's true identity or helps police make contact with its legal owner following theft.

Please Note: This discount is not available in combination with the discount for other security marking products.

Other security marking ×

Most UK caravans have a CRiS or VIN number displayed in their windows. However, additional marking kits can be bought for extra protection. Marking is often applied using a liquid containing microdots or 'chemical DNA' invisible to the naked eye but revealed using a UV torch. These carry a unique code linking a caravan back to its legal owner therefore improving its chances of being recovered if stolen. We give a discount for the following security marking products:

  • CRiS Extra/Plus*
  • Data Tag
  • DNA+
  • Micro-Tag
  • SelectaDNA
  • Smart Water
  • Stop Theft
  • Thiefbeaters

*CRiS Extra/Plus must be in addition to any standard 17 digit CRiS window and chassis markings found on UK caravans since 1992 and standard CRiS tag / chip found on UK caravans since 1998.

Window stickers are usually provided by the product manufacturers to warn thieves that the caravan is fitted with additional security marking. Please note this discount is not available in combination with the discount for VIN Chip Plus.

Please Note: This discount is not available in combination with the discount for VIN Chip Plus.

Tyron bands ×

Tyron wheel safety bands greatly reduce the risk of accident through loss of control after tyre deflation by helping to keep the tyre in place following punctures, blow-outs and under inflation.

Discount for tyre sealant ×

We offer a discount for pre-puncture tyre sealant or slime, which is a proactive defence against tyre punctures and can help prevent an accident when towing. It's injected through the caravan tyre valves and coats the inside of the tyres. In the event of a puncture, and when the penetrating object is removed, a small amount of tyre sealant is squeezed through the puncture hole to seal the tyre. We offer this discount for the likes of Phantom Tyre Protector and Ultra Seal. Please note the discount does not apply for post-puncture tyre sealant kits which are only used to temporarily repair tyres following a puncture.

Discount for Tyre pressure monitoring ×

Incorrectly inflated tyres can affect the way a caravan tows and may lead to a serious accident. That's why we offer a discount for tyre pressure monitoring systems (TPMS) fitted to tyres. TPMS systems work by placing sensors either on the tyre valves or inside the wheels. These sensors continuously measure the pressure and temperature of the tyres and transmit information wirelessly to a monitor inside the tow car and sound an alarm if there's any abnormality. Popular makes include TyrePal or Snooper's Tyre Pilot. We don't give discounts for TPMS systems fitted to the tyres of tow vehicles.

Discount for reversing cameras ×

We offer a discount for caravans fitted with rear view cameras or reversing sensors, as they can help to prevent manoeuvring accidents.

Mounted on the back of the caravan, reversing cameras are designed to give drivers a complete view of what is behind their caravan. The camera transmits images to a monitor secured to the towcar's dashboard or windscreen

Please Note: We do not offer discounts for reversing aid(s) fitted only to the towing vehicle.

Discount for reversing sensors ×

We offer a discount for caravans fitted with rear view cameras or reversing sensors, as they can help to prevent manoeuvring accidents.

Reversing sensors (often slightly cheaper than cameras) are usually inserted or stuck onto a caravan's rear panel. They use ultrasonic technology to emit a series of audible beeps inside the towcar, which sound closer together as the caravan moves towards to an object.

Please Note: We do not offer discounts for reversing aid(s) fitted only to the towing vehicle.