Touring Caravan



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 caravan. Unfortunately we can’t update this without your permission, but as the value of both new and old caravans change, you may need to update your sums insured before you renew.

Use our handy guide below to make sure you're insuring your caravan and equipment for the appropriate values.

I am insuring...

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Renew online now
(without making any changes)
 Call 01422 396 755


Specialist cover as standard

  • Extensive cover whilst touring or in storage
    Reassurance of cover for fire, theft, storm, flood and accidental damage
  • Awning storm damage
    Cover for both your caravan and awning if damaged by bad weather
  • Highly rated claims service based in the UK
    Our dedicated team of caravan experts at RSA will take care of your claim and pay out any settlement
  • 24 hour emergency assistance and recovery, even when abroad
    When crisis strikes a specialist team will always be on hand to help
  • £5,000,000 public liability cover
    Protection for legal claims made against you following accidents, injuries or damage
  • Ill driver cover
    Including getting your caravan home from anywhere in the UK if the only driver falls ill
  • £25,000 fatal accident benefit
    A little extra peace of mind provided by a lump sum payment
  • £500 locks and keys cover for caravan and security devices
    Stay secure with replacement locks and keys following loss or damage
  • Family and friends
    Feel free to loan your caravan knowing that the same extensive cover applies

Optional cover

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

  • European cover
    This option allows you to take trips abroad for up to 180 days, or you can extend this up to 240 days
  • Legal expenses cover up to £100,000
    This covers the costs of pursuing injury, consumer and employment claims and recovering uninsured losses
  • Emergency accommodation or caravan hire
    You can choose to benefit from up to £75 a day for 15 days, or up to £100 for 30 days so you can continue your holiday
  • Protected no claim discount
    Adding this option will help to keep your premium low, even if you have to claim (available for 3+ years no claim discount, subject to your claims history)



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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 396 755

More great ways to reduce your premium

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

Would you be willing to increase your excess?
Your excess is the amount you would be asked to pay in the 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.


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 tourer insurance documents section.

How would you like to pay?


Prefer to call?

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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 396 755 to speak to one of our friendly advisers for a renewal review.


Call 01422 396 755
 Renew online now
(without making any changes)

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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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Plain English policy and documents
New for old ×
With ‘new for old’ cover you can enjoy a brand new caravan and equipment if yours are damaged beyond economic repair or stolen. To insure ‘new for old’ the values must represent the current brand new cost (or nearest equivalent model if no longer made) and your caravan must be under 15 years old.

Please be aware that your premium may increase slightly each year due to new caravan price inflation.
Market value ×
With 'market value' cover, if you had a claim where your caravan was damaged beyond economic repair or stolen and not recovered, you would receive a settlement that reflects the value of your caravan and equipment at the time of the incident. Your sums insured should therefore represent current market values.
Already paying by Direct Debit? ×

If the account details in your renewal invitation are incorrect or have changed, please call us on 01422 396 755.


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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Credit / debit card ×

Call us on 01422 396 755 (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 caravan. 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.