Types of cover

Overseas Insurance policies

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 185 days in a 12 month period, taken as a single or number of trips.

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.


 

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 185 days in a 12 month period.

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 non-motoring/caravanning holiday. Cover is available for up to 6 months within Europe or 120 days Worldwide. (please note worldwide cover is provided by Millstream)

Annual Multi-Trip: Essential personal protection when taking non-motoring/caravanning holidays more than once in a year. Cover is available for up to 66 days per trip within Europe and 60 days per trip Worldwide. (Please note worldwide cover is provided by Millstream)

Long Stay: Cover not available


 

New additions (from 2017)

  • Increase in cover limits for storage charges from £250 to £350 (£500 to £700 plus cover) on 'Motoring Only' and 'Motoring & Personal' packages.
  • Increase in cover limits from £250 to £350 (£500 to £700 plus cover) for loss of use of car on return to UK on 'Motoring Only' and 'Motoring & Personal' packages.
  • Increase in cover limits from £2,000 to £3,000 (£4,000 to £6,000 plus cover) for transportation of ashes or funeral expenses in the country of death under the ‘Medical and Other Expenses’ section on 'Motoring & Personal' or ‘Personal Only’ packages.

Information - Not a member?

Our insurance products are only available to members of The Caravan 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 insurance brochure

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 insurance policy still valid?

It is important to make sure that your caravan policies provide adequate cover for your purposes. If you want to travel outside of the European Union or Associated Countries you will 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 whilst on the Continent which requires you to leave the motorhome, car and/or caravan there, you must ensure that your normal insurance cover is maintained for the period that they remain on the Continent and for the journey back to your home address.

You should remove all items of baggage and personal effects before leaving. If this is not possible, arrange for your insurance company to hold covered whatever items remain. You must remove any valuables and items which might attract Customs Duty, including wines and spirits.

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