1. Insurance
  2. Red Pennant emergency assistance
  3. Types of cover

Types of cover

Overseas insurance policy options

We offer three levels of overseas insurance cover, Personal, Motoring and Motoring & Personal.

Motoring & Personal Cover

This cover is only for journeys where your vehicle is the primary means of travel.

  • Single Trip: Designed especially for the caravanner. This policy protects both the motoring and personal needs of a continental caravanning holiday when travelling to Europe just once a year. Cover is available for up to 122 days.
  • Annual Multi-Trip: This policy protects both the motoring and personal needs of a continental caravanning holiday when you travel within Europe more than once in a year, but for no more than 66 days each trip, home to home. 
  • Long Stay: This policy protects both the motoring and personal needs of a continental caravanning holiday when you travel to Europe for extended periods. Cover is available for up to 365 days in a a single trip.

Plus cover

Plus cover is an option available with 'Motoring' and 'Motoring & Personal' cover. It offers double* the cover limits of Standard, helping to offset any further expenditure worries.

*(Except on Personal Accident cover for children.)

Plus cover is a must to consider for:

  • larger outfits
  • holidays longer than two to three weeks
  • more distant locations
  • all holiday types (including flights)

Please note that that 'Plus Cover' is not available for motor vehicles 12 years old and over.

 

Motoring Only Cover

  • Single Trip: The tried and tested motoring sections of our traditional package, designed for Continental holidays when you travel abroad once a year. Cover is available for up to 122 days.
  • Annual Multi-Trip: Designed to cover your motoring needs for continental holidays when you travel abroad more than once in a year, but for no more than 66 days at a time.
  • Long Stay: 
    Designed to cover your motoring needs on continental holidays when you travel abroad for extended periods. Cover is available for up to 365 days in a single trip.

Plus cover

Plus cover is an option available with 'Motoring' and 'Motoring & Personal' cover. It offers double* the cover limits of Standard, helping to offset any further expenditure worries.

*(Except on Personal Accident cover for children.)

Plus cover is a must to consider for:

  • larger outfits
  • holidays longer than two to three weeks
  • more distant locations

Please note that that 'Plus Cover' is not available for motor vehicles 12 years old and over.

 

Personal Only Cover (per person)

Single Trip: Essential personal protection when taking a single trip. Cover is available for up to six months within Europe. 

Annual Multi-Trip: Essential personal protection when taking holidays more than once in a year. Cover is available up to 66 days per trip within Europe.

Long Stay: Cover not available

Information - Not a member?

Our insurance products are only available to members of the Caravan and Motorhome Club. If you're not a member yet, we can still supply you with a quote which you can take up once you join. 

Download policy documents

Insurance Product Information Documents

Top questions

What is Red Pennant?

Red Pennant is the Club's overseas travel insurance service and is designed to consider the needs of the caravanner, motorhomer and trailer tent owner in trouble abroad.

I want to travel outside the EU, is my cover still valid?

It is important to make sure that any cover you take out on any of your vehicles is adequate for your purposes. If you are driving, you may need to obtain an International Certificate of Motor Insurance, also known as a 'Green Card'.

What happens if I'm involved in an accident abroad?

If you are involved in an accident or breakdown which requires you to leave your caravan/car/motorhome you should:

  • Remove any valuables and items that might attract Customs Duty, including wine and spirits

  • Take your baggage and personal effects with you

  • Make sure anything left in the vehicle will still be covered by your cover provider

  • Make sure your cover provider will continue to provide cover while your vehicle remains on the continent and for the journey back to your home address

Who is included in a single policy?

Everyone in the vehicle must be added, even if their time on the trip is different.

See more

Comparison of cover table

For a summary of what's covered within the Caravan and Motorhome Club Overseas Holiday Insurance, please download the comparison of cover table:

Downloads

Still unsure?

If you are unable to find the information that you are looking for, we have a dedicated FAQs section that might offer you further advice. Alternatively, please contact us either by emailing insurance@caravanclub.co.uk  or telephone us on 01342 336 633.