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Guide to Caravan Guard Motorhome Insurance
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Caravan Guard Motorhome Insurance is a unique insurance designed by Caravan Guard to protect motorhomes and contents 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 coverage 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.
It’s simple: share your requirements, complete one form, and gain access to multiple insurance quotes. You’ll be on track to find the best deal at the right price!
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:
Accidental Damage
Accidental Damage: This policy covers damage caused by animals, third parties, or collisions with your caravan.
Disruptive Weather Damage
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
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
Fire and Theft: You’ll be provided with financial compensation in case of the occurrence of such unfortunate events.
Comprehensive cover
Comprehensive cover: Because it is a home, this insurance provides extensive coverage against theft, fire outbreaks, storm damage, etc.
Personal properties
Personal properties: It also covers all personal belongings in the van, including appliances, clothing, and other valuables.
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.
Caravan Guard Motorhome & Caravan Insurance Contact Numbers
| Customer Services | 0800 14 88 400 |
|---|
Lowering the cost of Motorhome Insurance wityh MultiQuoteTime
Below, we suggest some great ways to lower the cost of touring caravan insurance or motorhome insurance:
Increase the voluntary excess
Increase the voluntary excess: Increasing this can help reduce your premium, but remember, this is the amount you will be held liable for in the event of a claim that is not covered in the policy schedule
Improve Motorhome Security
Improve Motorhome Security: Speak with your insurance provider about making your campervan as secure as possible, as this can help lower insurance costs. Consider adding an insurance-approved alarm and immobiliser, and also think about installing a tracking device to make recovery easier in case it’s stolen.
Get multiple quotes
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
Build up a history of no claims: This is a long-term approach that will be rewarded with cheaper insurance quotes as you prove that your risk of claiming is low.
Named Drivers
Named Drivers: If possible, opt for a named driver policy. While an any-driver policy offers more flexibility, it typically comes with a much higher premium due to the increased risk for the insurer. If you need an any-driver policy, consider adding some restrictions, such as ‘any driver over 25 only.
How to compare motorhome insurance quotes at MultiQuoteTime.co.uk
MultiQuoteTime Ltd Does not recommend any insurance company. Services offered by this provider may change over time. Always check Ts&Cs. The information contained on this webpage is for editorial purposes only and not intended as financial advice
- Updated: 27 Feb 2025
- Reviewed by Eamonn Turley Insurance Expert