Your guide to Caravan Cover

Your guide to Caravan Cover

Everything you need to know about taking out our Caravan Cover

Your caravan is your home-away-from-home and the sensible thing to do is protect it in the same way you would with your house. Cover is an important thing to consider to ensure your caravan is protected from things like accidental damage, flooding, theft, etc.


Why do you need caravan cover?

As well as a source of fun and adventure, your caravan is a significant investment, so it’s worth considering if you want to protect yourself from financial loss if your caravan were to be damaged, stolen or involved in a motoring accident.

Why should I get caravan cover?

Simply put, for peace of mind! Much like home insurance, caravan cover isn’t a legal requirement. Even if you have car insurance (which is required by law), if you choose not to take out caravan cover, the financial loss you could suffer if you’re involved in an accident could be huge. You won’t be covered for the damages incurred to the caravan, only the car, unless you have caravan cover, which would mean paying to fix or replace your caravan. Even what appears small damage can be a significant cost as often small damage requires whole panels to be replaced.

Also, although your car insurer should cover any liability that falls on you while the caravan is attached to the towing vehicle, once detached any damage to property or injury to a person as a result of your ownership and/or use of the caravan would be your responsibility. While these types of claim are rare they have the potential to be incredibly costly, which is why we protect our members by providing liability cover up to £5m.

On top of the risk of damage from an accident and liability claims, damage could also be incurred as a result of natural hazards like hail and flooding, an attempted break in, fire, and there's also the risk of your van being stolen. Caravan cover would give you protection and peace of mind.

What does our Caravan Cover, actually cover?

The level of protection that you choose is entirely up to you, there are basic options which protect you from floods and/or damage and/or fire, and you can build it up after that. These are the elements of cover people would normally choose to opt for to ensure they do not suffer financial loss.

  • A choice of cover to either replace the caravan as new or at its second hand value
  • Contents cover (choose how much cover you need based on the value of your contents)
  • Accidental damage cover for when you're towing.
  • Cover for European touring
  • Tyre failure
  • Vandalism
  • Detachment or snaking accident
  • Awning damage
  • And more

How to cut the cost of caravan cover?

To save money and reduce your outgoings, one thing you could do is increase the excess - we offer a maximum of £500 excess. As you take on more risk with a higher excess and therefore small claims that cost the same amount to process aren't covered, your contribution will reduce.

Be a safe driver and try not to make claims and you're rewarded with no claims discounts.

If you have a no claims discount with your current provider (or the last provider, if less than two years ago) we will also give you a discount and can give a discount based on previous towing experience even if you've not had cover yourself before. Discounts are also given for security and safety devices. There are discounts available for the fitting of the following security and/or safety devices

  • Alarms (tilt sensor or corner steady sensor)
  • Tracking Devices (Tracker, Phantom other Sold Secure/Thatcham Approved)
  • Al Ko/BPW Wheel Lock    
  • Storing the caravan in Cassoa Gold or CAMC storage                               

And obviously, above all, drive safely. Not only will you reduce the chances of accident claims, but you’ll also get more out of your trips. To help you on your way, we offer a 5% discount on Cover for anyone who completes one of our Practical Caravanning, Caravan Maneuvering or B+E courses.

Caravan and equipment sums covered

Our Super Cover automatically covers vans on a new for old basis up to 15 years. Standard cover provides new for old cover up to 5 years old. In both cases this will only apply if the sums covered when the cover taken out at new business or renewal was the accurate new for old replacement value. Otherwise the maximum pay out will be the sums covered limit. 

The cost of equipment is any non-standard fixtures, fittings or accessory added after manufacture e.g awnings full or porch, motor movers, Aquaroll, wastemaster, caravan covers, batteries, gas bottles, generators, refrigerators, security devices, stabilisers.

How can I amend/renew my Caravan Cover?

Renew your Cover - You can renew your Caravan Cover and update your renewal payment method for example, by going to 'My Profile' and then clicking on 'My Cover'. Please read through your renewal invitation thoroughly. If you cannot see an option to renew, this could mean that you're on a continuous payment authority, so please check your cover documents. 

Amend your Cover - If you would like to make any adjustments or discuss your Cover, one of our dedicated team will be happy to help. You can use our Website Chat function, email, or call.

What products, services and insurances does the Club have?

Members have access to exclusive Cover and Insurance products, designed with touring and our members in mind. Not yet a member? You're very welcome to get a quote on any of our products before joining the Club to ensure it’s the best option to suit your needs. This is a lot of the other products we offer.

Explore some of the other excellent benefits that come with being a member.

What are the benefits of becoming a member?

When you join the Caravan and Motorhome Club, you’ll not only receive great discounts and savings on your holidays, you’ll also be eligible for our members-only Caravan Cover. The cover we provide protects you financially and gives you peace of mind if the worst does happen. We have designed our cover around our members and their concerns.