FAQs

Caravan insurance is an additional insurance that covers your caravan and its contents against accidental damage, fire, and theft.

In the event of a claim, the excess is the contribution you must make towards the cost of your claim.

Your policy automatically covers you when you are doing voluntary work. In the current situation in relation to COVID 19 that means you are covered if the vehicle is being used for voluntary purposes to transport medicines or groceries to support people affected by COVID-19. If you are transporting people as a volunteer, please contact our partner broker, Devitt Insurance Services, for advice before doing so. Under no circumstances should you offer your vehicle for hire or reward (i.e., payment for these services). That would invalidate your cover.

To support Devitt at this time we would ask that where possible you make contact with them by email on: contactus@devittinsurance.com, or via the Livechat facility on Devitt’s website: www.devittinsurance.com. If you do need to call about an existing policy, please call 0345 300 4866, but be aware that although lines are open as usual, Devitt staff are working from home, so calls may take slightly longer than usual.

Our household policies, which are arranged through our partner broker Devitt Insurance Services, are being automatically extended to allow working from home provided it is of a clerical / administrative nature. If you are doing any other type of work, please contact Devitt to discuss your options.

To support Devitt at this time we would ask that where possible you make contact with them by email on: contactus@devittinsurance.com, or via the Livechat facility on Devitt’s website: www.devittinsurance.com. If you do need to call about an existing policy, please call 0345 300 4290, but be aware that although lines are open as usual, Devitt staff are working from home, so calls may take slightly longer than usual.

Caravan insurance is an additional insurance that covers your caravan and its contents against accidental damage, fire, and theft.

UK EHIC's remain valid until their expiry date within the EU and Switzerland but not in Liechtenstein, Norway and Iceland. Once an EHIC expires you can replace it with a UK Global Health Insurance Card which provides the same access to state-provided healthcare during your holiday in an EU country and Switzerland but not Liechtenstein, Norway or Iceland. This is not an alternative to Travel Insurance but can provide basic medical care and some insurance companies waive excess charges if you use your EHIC/GHIC. For more information see: Apply for a free GHIC

The main difference between traditional caravan insurance policies and our Caravan Cover is that as we are a membership organisation we have been able to establish a product where all aspects of cover are dealt with by the Club.

For example we are responsible for all claims and can exercise discretion on claims settlements. This does not mean all claims will be paid - but you would be dealing with the Club rather than a third party organisation and so you can appeal directly to the Club if you feel your claim should be paid.

The Club takes on the liability for your caravan and we're able to do this because caravan insurance is voluntary, not legally required cover and the Club’s Caravan Cover is not an insurance product.

We cannot speak for individual insurances and would recommend that you get in contact with your outfit’s insurance provider to discuss potential storage arrangements as part of your decision making process.

Some insurances use a postcode risk factor and you may find your cost increases or decreases according to how much risk that insurer associates with the postcode area the site is in.

Caravan Cover is a discretionary mutual product that provides financial protection to members should their caravan, Contents and/or Equipment be stolen or damaged either by accident, fire, theft, storm, vandalism or flood.

It has been designed for your caravanning lifestyle by a Club that truly cares and understands your passion to get away and enjoy the great outdoors. For more information on how a discretionary mutual differs from insurance see here or full details of the features and benefits of our Caravan Cover please see our dedicated page here.

No, your breakdown cover and your vehicle insurance are completely separate, even if they are being provided by the same company. However, following an accident, you may need to use your breakdown cover before making a repair claim under your vehicle insurance.

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.

No, deferment is not an option for this policy. If you have any queries about your policy ahead of renewal, please contact our partner broker, Devitt Insurance Services, and they will help you to renew your cover. 

To support Devitt at this time we would ask that where possible you make contact with them by email on: contactus@devittinsurance.com, or via the Livechat facility on Devitt’s website: www.devittinsurance.com. If you do need to call about an existing policy, please call 0345 300 4290, but be aware that although lines are open as usual, Devitt staff are working from home, so calls may take slightly longer than usual.

If you have SORNed your motorhome or campervan it is worth remembering that your motorhome insurance policy provides cover for fire, theft, flood and storm damage, so it is worth keeping your policy live even if you are no longer planning to use your vehicle on the road in the near future. Additionally, if you have borrowed money to help you to buy your motorhome and you are continuing to make repayments, your finance provider will usually insist that you maintain full insurance cover in force until you have paid off the loan. Having considered all of the implications, if you wish to discuss your options, please contact our partner broker, Devitt Insurance Services.

To support Devitt at this time we would ask that where possible you make contact with them by email on: contactus@devittinsurance.com, or via the Livechat facility on Devitt’s website: www.devittinsurance.com. If you do need to call about an existing policy, please call 0345 300 4290, but be aware that although lines are open as usual, Devitt staff are working from home, so calls may take slightly longer than usual.

If you have SORNed your car it is worth remembering that your car insurance policy provides cover for fire, theft, flood and storm damage, so it is worth keeping your policy live even if you are no longer planning to use your vehicle on the road in the near future. Additionally, if you have borrowed money to help you to buy your car and you are continuing to make repayments, your finance provider will usually insist that you maintain full insurance cover in force until you have paid off the loan. Having considered all of the implications, if you wish to discuss your options, please contact our partner broker, Devitt Insurance Services.

To support Devitt at this time we would ask that where possible you make contact with them by email on: contactus@devittinsurance.com, or via the Livechat facility on Devitt’s website: www.devittinsurance.com. If you do need to call about an existing policy, please call 0345 300 4866, but be aware that although lines are open as usual, Devitt staff are working from home, so calls may take slightly longer than usual.

We appreciate some people will be unable to get back to their homes as a result of the restrictions in place. Your home insurance policy will continue to cover you if your home is unoccupied for more than 90 days as a result of the current situation. You must arrange to get home as soon as possible after the travel restrictions have been lifted and you are well enough to do so.

Anyone can get a quote online or by phone, but you will need to become a member of the Club to purchase cover. 

Caravan insurance is a voluntary, additional insurance that covers your caravan and its contents against accidental damage, fire, and theft. 

No, although the third party liability cover would normally be provided by your car insurance when the caravan is towed on a public highway, this only protects you against your third party liability.

Importantly - your caravan and everything inside it may not be covered. Caravan insurance (and the Club's Caravan Cover, which is different from traditional caravan insurance) protects you against financial loss should your caravan and its contents be lost, stolen or damaged.

Car insurance will not cover any damage to your caravan or if your caravan was stolen. Car insurance will only cover any liability while you are towing a caravan or trailer - this means if your caravan causes damage or injures someone while you are towing it your car insurance will pay a claim from the third party. Car insurance also wouldn't cover a claim from a third party if your caravan injured someone or caused damage while you were manouvering with a motor mover or by hand on a site or in a storage compound, where Caravan Cover would.

Caravan insurance is an additional insurance that covers your caravan and its contents against accidental damage, fire, and theft.

There are a number of products and services that are only available to members. If you have one of these and you cancel your membership you’ll be notified before your product renewal date that your cover will cease unless you take out a new membership.

We provide a wide range of products and services that are designed with touring and members in mind.

You can get an online quote on any of our products or find out more, just click on the links below:

• Caravan Cover 
• Motorhome Insurance
• Campervan Insurance
• Car Insurance
• MAYDAY - UK breakdown and recovery
• Red Pennant - European breakdown cover & holiday insurance and more. 

While there is no legal requirement for protection, accidents do happen - both to stored caravans and while out touring. Replacing or repairing caravans can be very expensive, so to make sure you aren't left out of pocket and can continue to enjoy the great outdoors you should consider taking out financial protection for your caravan.

As well as Caravan Cover, the Club offers a range of insurance products including Motorhome and Campervan Insurance, Car Insurance, Home Insurance, Bike and Ebike Insurance and Red Pennant Travel Insurance, as well as MAYDAY UK Breakdown Cover and MAYDAY European Breakdown Cover. To get more information about our insurance products please click here.

Joint members can register to use the Club’s online forum, Club Together, and write reviews. Only the Lead member can book sites online, use outfit matching, take out insurance and manage the membership.

See separate text for specifics on passports, driving licences, insurance documents, pet passports and EHIC. In general, not knowing what the enforcement regimes will be post Brexit, we feel it is prudent to check that you have all relevant documentation with you and ensure it is up to date, e.g. V5 vehicle registration document etc.

Visit the Club's Useful Information section for more.

No. This is because your insurance policy still provides cover for fire, theft, third-party impact, flood and storm damage. If you anticipate a significant change in use as a result of the current restrictions, please contact our partner broker, Devitt Insurance Services.

To support Devitt at this time we would ask that where possible you make contact with them by email on: contactus@devittinsurance.com, or via the Livechat facility on Devitt’s website: www.devittinsurance.com. If you do need to call about an existing policy, please call 0345 300 4290, but be aware that although lines are open as usual, Devitt staff are working from home, so calls may take slightly longer than usual.

In the first instance members should claim through their travel insurance. Of course, as a membership organisation we will sensitively manage cancellations due to exceptional circumstances.

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 is available on request.)

Membership of the Caravan and Motorhome Club (formerly The Caravan Club) gives you access to our entire campsites network, including thousands of privately owned 5-van campsites (Certificated Locations), plus, you won't need to pay the additional £15 per night non-member fee on published prices when you book a UK Club campsite as a member. You can also take out Caravan Cover and a range of insurance products, and can enjoy discounts on a range of products and services. 

The person who is named as the policyholder in the Insurance Schedule and their immediate family – e.g. mother, father, son, daughter, spouse, domestic partner who resides at the same address as them.

The gadget is covered for up to 90 days abroad within any 12 month period. Replacement or repair can only be dealt with once you are back in the UK.

Yes, our Caravan Cover is valid overseas for up to 182 days per year, our Car Insurance is valid in the EU and associated countries for up to 270 days, and our Motorhome/Campervan Insurance valid in the EU and associated countries for 365 days a year.

However, it is important to check your policy wording to make sure that the cover you take out on any of your vehicles is adequate for your purposes.  We would also recommend you also check what documentation you may need when driving abroad, including the International Certificate of Motor Insurance, also known as a 'Green Card'.

You can find full details here.

• Fresh, clean new design
• Easier to navigate - new website search tool and new navigation
• New content and fewer pages to search through
• Easier to choose and purchase Caravan insurance
• Easier to search for sites on the Club network, with improved filtering options
• More user-friendly and consistent site details pages for Club Sites, CLs and Overseas Sites
• New Event search tool for Club events, rallies and training courses
• More mobile responsive pages to optimise viewing content on tablets and smartphones
• New Club Together functionality, such as being able to easily upload photos and embed video links in posts

You should always make sure that you have adequate insurance protection against events which could happen to your caravan at any time, this includes whilst in a storage compound e.g. flood, theft or damage.

If a third party were to damage your outfit whilst it is in the storage compound you may be able to recover the cost of any repair from the negligent third party provided adequate proof is available and they accept liability.

Information on how to make a claim can be found on our Documents and Claim Guidance page here, where you can download the relevant claim forms. You can also call the claims team on 01908 892 318. for further advice. If you need to claim on Motorhome, Campervan, Car or Home Insurance you can call 0345 604 4461.

Simply put, for peace of mind! Your caravan is most likely to be one of the most valued things you own. Which means, if your caravan was stolen or damaged, you could be left with a large financial loss, for either repairs or buying a replacement. Plus there is a risk of public liability claims. Car insurance can cover liabilities caused while towing, but once your caravan is detached any damage to property or injury to a person as a result of your ownership/use of the caravan would be your responsibility. And these liabilities have the potential to be very costly, which is why Caravan Cover provides liability cover up to £5m.

The Club has 50 years of experience in providing protection to its members and their caravans and we are a trusted membership organisation rated 9 out of 10 by our members for Caravan Cover claims handling - based on Caravan Cover Claims data 1 January to 31 December 2024. For more information on Caravan Cover or to get a quote please click here.

We appreciate you may not be able to store your vehicle where you normally do due to the current situation. Please contact our partner broker, Devitt Insurance Services to update your policy details and make sure your vehicle remains covered. Please note a mid-term adjustment fee will apply, see www.devittinsurance.com/caravan-club-caravan-insurance/ for details.

To support Devitt at this time we would ask that where possible you make contact with them by email on: contactus@devittinsurance.com, or via the Livechat facility on Devitt’s website: www.devittinsurance.com. If you do need to call about an existing policy, please call 0345 300 4290, but be aware that although lines are open as usual, Devitt staff are working from home, so calls may take slightly longer than usual.

Yes, the FCDO advises against non-essential travel to Spain, Portugal, Belgium and Luxembourg and anyone arriving into the UK from Spain, Portugal, Belgium and Luxembourg must self-isolate for 14 days. Anyone travelling to Spain, Portugal, Belgium and Luxembourg will be doing so against FCDO advice, which invalidates most insurance policies.

All arrivals to Spain by sea are asked to complete an online health form before arrival at the Spanish port, more details at www.spth.gob.es. Note this doesn't need to be completed if arriving at a land border. All arrivals to Belgium will need to complete an online passenger locator form within 48 hours of arrival to Belgium (exempt if total stay in Belgium is less than 48 hours) More details at https://diplomatie.belgium.be/en/services/travel_to_belgium

Everyone will also need to complete a passenger locator form for the UK authorities within 48 hours prior to your arrival at the UK border. Visit this website for details: https://www.gov.uk/provide-journey-contact-details-before-travel-uk

Membership of the Caravan and Motorhome Club (formerly The Caravan Club) gives you access to our entire sites network, including thousands of privately owned 5-van sites (Certificated Locations), plus you’ll save £15 per night by no longer paying the non-member site fee. You can also take out Caravan Cover and a range of insurance products, and can enjoy discounts on a range of products and services. Find out more about the benefits of joining the Club here.

You can view and download your Caravan Cover documents and the policy documents for Red Pennant Overseas Holiday Insurance from the My Profile Area on the Club website.

MAYDAY UK Breakdown policy wording can be viewed and downloaded while you’re getting your quote.

Motorhome, Campervan, Car and Home Insurance policy documents are accessible after you have obtained a quote.

Full documentation will be sent to you by email or by post, once you have bought the cover. 

If you have misplaced your documents, please call so we can arrange a copy to be sent to you:

MAYDAY UK Breakdown Cover: 0800 051 5318

Motorhome, Campervan, Car or Home insurance: 0345 308 8643

The Club App is more user friendly, and includes additional features and functionality. You can search and book multiple UK or European campsites at the same time, use the new interactive map, check availability and prices using the calendar, view your previous and upcoming trips (and make amendments if necessary), review and make payments, plus access lots of other membership products and services such as trip inspiration, cover and insurance services and useful information. You can also access and use your Digital Membership Card via the app as well.

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. 

Red Pennant Travel Insurance provides financial protection should something go wrong before or during your trip. It offers protection should you need to cancel your trip due to covered reasons, which include vehicle breakdowns or sickness prior to departure. It also covers emergency medical costs should you be taken ill whilst on holiday and the costs of returning you and your vehicles to the UK should you not be well enough to travel as intended. It also covers things like travel delays and lost or stolen baggage or belongings.