Caravan Guard Motorhome Insurance

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Guide To Caravan Guard Insurance

Caravan Guard
By Eamonn Turley
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Eamonn Turley Insurance Expert

Eamonn Turley has a wealth of experience within different insurance sectors. Through hard work and over time, he has gained expertise in digital marketing and user interface design. Elements that are crucial to any successful online business. The key aim is to develop websites that are intuitive, fast to load and provide insurance quotes tailored to your needs.


Expertise: Digital Marketing, Insurance, Home Insurance, Vehicle Insurance, UI Design
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July 2024

Caravan Guard Motorhome Insurance is a unique insurance designed by Caravan Guard to protect motorhomes and what they contain from risks of damage such as fire outbreaks, theft, and accidents. Aside from protection, Caravan Guard offers exclusive covers for your personal belongings, European travels, and even roadside assistance. Legally backed by a leading insurance provider (RSA) in the UK. A Caravan Guard Insurance policy allows you to keep your premium low by choosing only the cover you need.

Interestingly, this type of insurance is available to different types of caravans and motorhomes, such as campervans, A-class motorhomes, and professionally converted vans in the UK and Northern Ireland. Still, it is different from other car insurance.  You can compare multiple car insurance quotes if you're looking for one.

Interestingly, this type of insurance is available to different types of caravans and motorhomes, such as campervans, A-class motorhomes, and professionally converted vans in the UK and Northern Ireland. 

What does Caravan Guard Insurance Cover?

Caravan Guard Insurance provides a wide range of covers for different types of motorhomes, campervans, and static caravans. Caravan Guard are also able to provide seasonal pitch caravan insurance for those of us that have caravan pitches. Here's a breakdown of what Caravan Guard Insurance Services offers:

1. Touring Caravans Insurance: Touring caravans enjoy several covers, which include;

  • Accidental Damage: This policy covers damage caused by animals, third parties, or collisions with your caravan.
  • Disruptive Weather Damage: This is often optional. It covers damages caused by wind, snow, storm, hail, or other weather events. It also covers damages from accidental collisions.
  • Breakdown cover: It provides roadside assistance and recovery services in case your caravan breaks down while on a journey. Similarly, this cover is optional.
  • Fire and Theft: You'll be provided with financial compensation in case of the occurrence of such unfortunate events.

2. Motorhome Insurance: Typically, a home to their owners. Consequently, it includes several coverages, such as;

  • Comprehensive cover: Because it is a home, this insurance provides extensive coverage against theft, fire outbreaks, storm damage, etc.
  • Personal properties: It also covers all personal belongings in the van, including appliances, clothing, and other valuables.
  • European travels: Though this is optional, there's no harm in having your caravan covered while you tour the continent. It instils peace of mind and more.

How much does it cost to insure a caravan?

The total cost of insuring a caravan depends on several factors, just like insuring a car. It is ideal to contact Caravan Guard to get your quote. However, as a rule of thumb, it might cost you £100 - £400 to insure your caravan in the UK in a year.

Generally, static caravans have relatively cheap insurance compared to touring caravans. The reason is that static caravans are less likely to get into an accident, unlike touring caravans that are always on the road.

Several factors can influence your caravan insurance premium.

  • The type of caravan: Your type of caravan matters more than anything when it comes to insurance costs. Newer and more expensive caravans have higher insurance costs than old and less expensive ones.
  • Driving experience and Age: Young people with low driving experience have higher chances of getting involved in an accident than experienced drivers. Therefore, their caravan insurance will be more expensive.
  • Location: If you live in an area with low crime rates, you don't have to worry about insurance costs. Because, most times, your insurance costs might be relatively low. Insurance is often expensive for those who reside in areas with high crime rates.

Lowering the cost of Motorhome Insurance

Below, we suggest some great ways to lower the cost of touring caravan insurance or motorhome insurance:

  • Increase the voluntary excess –  Increasing this can help you reduce your premium, but remember this is the amount you will be held liable for in the event of a claim against the policy that is not covered in the policy schedule.
  • Improve Motorhome Security – Speak with your insurance provider on making your campervan as secure as possible, as this should help lower insurance costs.  Consider adding an insurance approved alarm and immobiliser. Also look at adding a tracking device to make recovery easier should it be stolen. 
  • Get multiple quotes – Getting quotes from a lot of providers is now easy and is one of the best ways to save money on campervan insurance.
  • Build up a history of no claims : This is a longer term approach that will be rewarded with a cheaper insurance quotes as you prove to prospective insures that your risk of claiming is low.
  • Named Drivers : If possible, opt for a named driver policy over an any driver van insurance option.  Having an any driver will give you more flexibility but will attract a much higher premium as risk will be greater to the insurance provider. If you need any driver add some restrictions, example any driver over 25 only.

Caravan Guard Motorhome & Caravan Insurance Contact Numbers

Customer Services 0800 14 88 400

Caravan Guard Insurance FAQ's


how much is motorhome insurance

The average price of motorhome insurance is around GBP375 for a motorhome valued under £40,000. The actual price will be determined by a number of factors including the driver's driving history, actual cost of the motorhome and how the motorhome is stored when not in use.

Is motorhome insurance expensive UK

Motorhome insurance on average will be more expensive than car insurance, because motorhomes tend to be much more expensive, and you may also wish to include additional cover for the campervan fittings and contents.

Do I need motorhome insurance?

Yes, motorhome insurance is a legal requirement in the UK and you must have at least third party cover to drive your motorhome legally.

What is motorhome insurance?

Motorhome insurance is a specialised form of vehicle insurance that is required by law to drive on the UK roads. Specialised in that it can also provide cover for your campervan valuable contents.

Is motorhome insurance the same as car insurance?

Motorhome insurance is the same as car insurance as it is a motorised vehicle and by UK law will need minimum of third party cover. However, a motorhome is more than just a vehicle that gets you and your family from A to B it is also a mobile home or camper van with all the amenities of home. The cost to replace all these fittings, gadgets and gizmos will be expensive. A such motorhome polices will let you include these within the insurance policy.

Is there an age limit for motorhome insurance?

Age limits for motorhome insurance are imposed by the actual insurance brokers, some brokers will limit drivers to over 25, whilst others will permit drivers over the age of 21. Upper age limits can also be imposed, with some setting the limit at age 80 and others 75. 

How much is class a motorhome insurance?

A class motorhome insurance is more expensive than lower classes as this is the top tier class of motorhome, but like all insurance you can take steps to lower the annual costs.

Is campervan insurance cheaper than van insurance?

Whilst the costs of campervan will n general more expensive than a standard work van, the insurance can work out cheaper. This will require you to agree to a limited mileage policy and avoid an any driver or a policy with self hire drive hire included.

Does Caravan Guard offer legal expenses cover?

Caravan Guard include legal expenses in all of their motorhome insurance policies as standard.

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