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Touring Caravan Insurance

5 Star Specialist cover with discounts for careful owners

Touring Caravan


Fantastic value and great benefits

As a customer, we'll make sure you get the best value caravan insurance deal and discounts you deserve. Caravan Guard offer low prices to reward our careful owners.


Caravan Guard satisfaction promise

95% Thumbs up
 
We have 693 feedback comments on independent review site ReviewCentre.com, with 95% recommending Caravan Guard for our exceptional customer service and value for money.
(Updated 06/09/2023)

Award winning

Caravan Guard give you friendly expert advice from our Yorkshire based team. Our award winning training programme for advisers ensures you receive great customer service.

Recent awards achieved by Caravan Guard - including Customer service champion at the Insurance Choice Awards 2022
View all our awards and commendations here

9 /10

Our claimants rate our overall claims service 9/10 on average!

We are open 7 days a week

I used Caravan Guard's live chat facility - thank you for your help.


19/12/2018
5/5 stars
  • Plain English policyPlain English policy
  • Confidence in a trusted family businessConfidence in a trusted family business
  • Number 1 on ReviewCentre
    Number one for service and value
  • Online Quote and buy availableSafe and Secure online quotes
  • Caravan Guard are members of the NCCMember of the National Caravan Council

Extensive cover

Caravan Guard's 5 Star rated tourer policy comes with the reassurance of extensive cover backed by a leading UK insurance provider, RSA (Royal & Sun Alliance Insurance Ltd).

You can tailor your levels of cover with options to suit your needs.

  • 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.
  • New for old option up to 15 years old
    Enjoy a new caravan and equipment if yours is damaged beyond economic repair or stolen
  • Highly rated claims service in the UK
    Our experienced team of experts at RSA will settle your claim quickly and efficiently.
  • Protected no claim discount option
    Help to keep your premiums low, even if you have to claim.
  • 24 hour emergency assistance and recovery, even when abroad
    When crisis strikes a specialist team will always be on hand to help.
  • Legal expenses cover option up to £100,000
    To pursue injury, consumer and employment claims and recover uninsured losses.
  • £5,000,000 public liability cover
    Protection for legal claims made against you following accidents, injuries or damage.
  • Emergency accommodation or caravan hire options
    Benefit from up to £100 a day for 30 days so you can continue your holiday.
  • European cover options*
    Enjoy the freedom to take trips abroad for up to 180 days, or pay to extend this up to 240 days.
  • Ill driver cover
    Including getting your caravan home from anywhere in the UK if the only driver falls ill.
  • Flexible excess from £100
    You can increase your excess to reduce your premium.
  • £25,000 fatal accident benefit
    A little extra peace of mind provided by a lump sum payment.
  • £500 locks & keys cover for caravan & 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.
  • 14 day money back guarantee (subject to no claims)
    Our plain English policy comes with the reassurance of a satisfaction guarantee.

Heart Research UK logo

Plus, for every paperless caravan policy we provide, we will donate £1 to our chosen charity – Heart Research UK.


This website provides a brief summary of the policy cover and options that are available to you. Your schedule will confirm cover features and levels applying. 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 you can download a specimen policy or policy summary from our touring caravan insurance documents section. New for old option available on fifth wheelers up to 5 years old only, and the alarm, axle wheel lock, anti-snaking device, security marking, tyre safety and reversing aid discounts do not apply to fifth wheelers.

I'm with Caravan Guard because...

See why the Doyles chose Caravan Guard for their insurance
Watch our video and see what our customers think

 "Platinum standard service"

We were unfortunate recently to have our porch damaged beyond economical repair. We decided to place a claim against our insurance to have it replaced. We contacted the claims dept on 19th May at about 09:30 am. We provided the information requested, and we were advised that we would be contacted within 24/48 hrs.

On the 20th at 10am or thereabouts we had the word that the claim was approved. By 3pm, we had our replacement ready for our next trip out. That can only be classed as PLATINUM standard service. The claims handler Cheryl was extremely professional when dealing with our claim, taking us through the process effortlessly.

We are now in our fourth year with CG it's our first claim but be sure we will always recommend them when ever we can.

Mr Carter, Flintshire


Don’t take our word for it

Trustpilot

Our guide to insuring your touring caravan

What is caravan insurance? And why is having insurance for your caravan a good idea?

Specialist caravan insurance is a policy that protects your caravan from damage, theft, and other incidents. It ensures that in the event of the caravan being badly damaged or stolen you aren't left out of pocket.

What to look out for when buying insurance

  • What's covered? Our policy covers you for damage to the caravan itself, plus fixed kitchen equipment such as fridges, freezers and cookers, as well as 'caravan equipment' which includes things such as Aquarolls and security devices, and any items which are used solely in the caravan, such as televisions or radios.
  • Removable items such as clothes and toys are known as 'personal possessions' and are often covered by your household policy. These can be covered on our touring caravan policy but be sure to check with your home contents insurer first to avoid paying for the same cover twice.

    High risk items such as laptops, tablets, e-readers, MP3 players, fishing equipment, and pedal or electric cycles cannot be covered on this policy.
  • 'New for old' cover means that if your caravan is stolen or damaged beyond economic repair you will be provided a brand new caravan of the same or equivalent specification. Our policy offers replacement with new cover for caravans up to 15 years old.
  • We offer excellent security discounts for satellite tracking devices, alarms, axle wheel locks and secure storage sites.

Does my car insurance cover my caravan?

In the event of a road accident whilst towing your caravan which is your fault, your car insurance only covers you for damage sustained to a third party, it does not cover any damage sustained to your caravan. Also your caravan is just as likely to be damaged or stolen when detached from your towing vehicle - and in this instance there is absolutely no cover provided by a car insurance policy.

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Top ten FAQs

1. Where can I find my CRiS or VIN chassis number?

For touring caravans manufactured before 1992 you should find the VIN or chassis number on a plate on the ‘A’ frame or by the door.

For caravans manufactured after 1992 in addition to the above, you should also find a 17 digit identification number etched on the windows. This is your CRiS number.

Read our full FAQ here and watch our video explanation.

2. How much does it cost to insurance a caravan?

The costs to insure a caravan will vary depending on individual circumstances and needs, for example the make and model of the caravan, the value of the caravan, if it is brand new or possibly older and second-hand, where it’s stored, the amount of security and safety devices on the caravan and if you compare caravan insurance cover types.

Read our full FAQ here.

3. How do I make a caravan insurance claim?

Simply call our claims helpline number on 01422 501 083 and we will take care of the rest.

We understand the need to resolve an claim efficiently and effectively, to enable you to get back to enjoying your touring as soon as possible.

Read our full FAQ here.

4. Can you park a caravan on the road?

It is not illegal to park your caravan on the road, but some insurance companies will not be able to insure the caravan if it is stored on the road.

Read our full FAQ here.

5. What tourer caravan tracking devices do you accept?

The full list of touring caravan tracking devices which we accept and give discounts for can be found via the link below. These include: Phantom Pro Active, Hal-Locate and Tracker Monitor etc.

Read our full FAQ here.

6. How do I value my caravan?

If you are unsure as to the current ‘market value’ or ‘new for old’ replacement value of your caravan, our friendly and knowledgeable team will be happy to lend a hand, as they have access to the latest Glass’s Guide valuations. Just call us on 01422 396 769 for assistance or provide us with details for your caravan. They will help you to get cheapest caravan insurance deal today

7. What are your minimum security requirements for touring caravans?

Our minimum security requirements are that your caravan is fitted with a hitchlock, plus a wheel clamp (covering at least one wheel nut) or axle wheel lock (e.g. Al-Ko Secure) when left unattended and detached from your towing vehicle. These devices must be made by a reputable manufacturer.

Read our full FAQ here.

8. What is new for old caravan cover?

New for old cover means that we will replace your insured caravan with the most recent model (or equivalent) if it is stolen and not recovered, or damaged beyond economic repair.

Read our full FAQ here.

9. Is caravan insurance a legal requirement?

Caravan insurance is not a legal requirement by law. However, without it you’ll likely have to pay for repairs or a replacement out of your own pocket following accident damage you cause, after storm damage or being stolen.

Read our full FAQ here.

10. How does caravan insurance work?

Caravan insurance policy covers can vary, but a high level of caravan cover at a moderate price will protect your caravan against accidental damage, fire, theft, storm and flood. It could also protect your caravan against at-fault damage.

Read our full FAQ here.

You can read many more common questions in our touring caravan insurance knowledgebase.

Get a quote Call us 0800 14 88 568 Retrieve your quote

Caravan insurance articles and guides

Caravan tyre safety tyre safety checks

As a general rule, for any touring caravan, no matter how much it’s been out on the roads – look to change the tyres every five years.

Read article


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.

More reasons to choose us
Number 1 on ReviewCentre
Number one for service and value
Royal Sun Alliance rsa Logo
Reassuringly good cover from a leading insurer
Award winning customer service
Award winning company
Web Secure online quotes
Safe and secure online quotes
Trusted family business since 1984
Confidence in a trusted family business
Highly rated claims service
Highly rated claims service
Money back guarantee
Money back guarantee
National Caravan Council NCC Logo
Member of the National Caravan Council
Heart Research Logo
Heart Research donation for every paperless policy
Plain English policy icon
Plain English policy and documents
Great value icon
Great value for money