To ensure our members have peace of mind when buying our Caravan Cover, we’ve taken out a Group insurance policy in the Caravan and Motorhome Club’s name to provide additional protection for members. The Group policy is the second layer of protection that members are able to claim under in the unlikely event the Club does not pay a claim or does not pay in full, as long as it’s covered under the terms and conditions of the Group insurance policy, which mirrors the Caravan Cover. A copy of the Group Insurance policy can be found on the documents and claims guidance page. 

The Group insurance policy taken out by the Club reflects the Caravan Cover provided to members - we feel it’s important that the cover is mirrored to ensure members have the right protection. However, to provide that protection there are some scenarios the insurer of the Group policy is not happy to include - these are generally risks that are very unlikely to occur but the insurer considers could be huge if they were to materialise. Where these apply they are duplicated in the caravan cover document, so members are aware of them.

When choosing cover for your outfit, consider how you want to be reimbursed if your outfit needs to be replaced: would you like a brand new one, a second-hand equivalent, or get back the amount of money you paid for the outfit?

• New for Old cover lets you buy a brand new equivalent if your outfit is lost, stolen, or damaged beyond economic repair. The cover value you choose must be sufficient to purchase a brand new, like-for-like replacement. Available for outfits up to 15 years old.
• Paid Value cover ensures you receive exactly what you originally paid for the outfit, protecting your initial investment. Available for outfits of any age, the claim settlement is based on the amount shown on your proof of purchase.
• Market Value cover allows you to buy a replacement outfit of similar age, make, and model if yours is lost, stolen, or damaged beyond repair. The cover value you choose should reflect your current outfit's second-hand market value, considering its make, model, age, and wear and tear.

If your equipment is less than 15 years old and suffers accidental damage caused by external, unexpected and non deliberate action e.g. from flooding, vandalism, fire, and is beyond economic repair, or is stolen, we will replace it with a new item or cash equivalent up to the cover limit you've chosen.

The cover value you choose must be sufficient to purchase a brand new, like-for-like replacement.

For equipment 15 years old or more, the second-hand market value will be paid. The cover value you choose should reflect your current equipment's second-hand market value, considering its make, model, age, and wear and tear.

If your awning is less than 15 years old and suffers accidental damage caused by external, unexpected, and non-deliberate action and is beyond economic repair, or is stolen, we will replace it with a new item or cash equivalent up to the cover limit you've chosen.

The cover value you choose must be sufficient to purchase a brand-new, like-for-like replacement.

If your awning is more than 15 years old, the second-hand market value will be paid. The cover value you choose should reflect your current awning's second-hand market value, considering its make, model, age, and wear and tear.

If an item is less than 15 years old and is stolen or suffers accidental damage e.g., from flooding, vandalism, fire, and is beyond economic repair, we will replace it with a new item or cash equivalent up to the cover limit, providing that the limit is sufficient to cover all your contents.

Contents inside the outfit - the most we will pay for one single item is £500

Contents outside the outfit - the most we will pay for one single item is £300.

For items more than 15 years old the market value will be paid.

The security condition requires that at least one security device is fitted when the caravan is not in use and unhitched from the towing vehicle. If you do not secure the caravan, we may decline to pay a theft claim.

Acceptable security devices are a hitch-lock, wheel lock, wheel-clamp, heavy duty chain with an anchor point and lock, an alarm system which is triggered by external sensors of movement, or immobiliser. For more general information on caravan security advice please see our information page here.

Your caravan is covered when it’s in storage, on your drive, on the road or on site. You'll be covered against accidental damage or loss from theft, vandalism, storm, and flood. Please read the relevant cover booklet on our Cover Documents page for full details.