Motorhome insurance

Customers love us for service & value for money

Motorhome insurance savings

Caravan Guard provides fully comprehensive cover for your motorhome, whether it's a professionally converted van, coachbuilt, A-class, campervan or even an American RV. See below for a full list of discounts available and see how we compare to other insurance specialists.

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motorhome insurance policy
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Summary of insurance discounts available

DiscountDo you Qualify?
Up to 52% No claim discount More info
No claim discount

You can transfer no claim discount from the previous insurer of your motorhome, car or other insured vehicle.

If you don't have any discount to transfer, you may still qualify for a large introductory discount if you have been insured and claim free on your private car, a company car, or a named driver on your partner's policy.

We can protect your motorhome no claim discount if you have 5 years or more NCD earned on another motor vehicle policy which is available for transfer to your new Caravan Guard policy. To qualify you must not have made a motor insurance claim within the last 12 months.

If you do protect your no claim discount the overall discount you receive will reduce slightly.

2.5% Motorhome club/magazine discount More info
Motorhome club or magazine reader discount

You will qualify for an insurance discount if you are a member of any motorhome or caravan club (national, regional or owners' club).

You will also qualify if you are a reader of a motorhome magazine, a member of an online motorhome related forum or you are a customer of one of our dealer partners.

Up to 8% Secure storage discount More info
Secure storage discount

Security measures at your home or storage location can result in a saving on your motorhome insurance. For example, fitting a padlock to gates or installing a security post at home, storing in a locked outbuilding at your home, or measures such as perimeter fences, CCTV and access control at a secure storage site.

Learn more
Up to 10.5% Previous experience discount More info
Previous experience discount

In addition to any no claim discount, you may qualify for a further 10.5% discount if you have any previous experience of driving a motorhome sized vehicle.

Up to 7.5% Low mileage discount More info
Low mileage discount

If your motorhome isn't on the road frequently, you are regarded as a lower insurance risk. So if your mileage is less than 5,000 miles a year, you will benefit from reduced premiums with Caravan Guard.

2.5%Reversing camera or parking sensor discount
Up to 25%Security system discounts as per below:
15%Thatcham category 2 OR manufacturer fitted immobiliser
19% Thatcham category 1 security (alarm & immobiliser) or Van Bitz More info
Cat 1 Alarm systems

CAT 1 alarms generate a sound when any of the doors on a motorhome – including the boot and bonnet – are opened. The alarm can be set using either a traditional key fob, PIN code or touch key. In order for the alarm to work and detect suspicious activity, the passenger compartment in the vehicle must have interior movement monitoring. The siren on the alarm must also have its own integral power supply with a coded communication to the alarm electronic control unit. The alarm’s accompanying immobiliser also helps to alert the vehicle’s owner of any movement within the motorhome and must be engaged within 60 seconds of the ignition being switched off. When installed, CAT 1 alarms will sound within 300 seconds of a break-in occurring. If you know the name of your motorhome’s alarm system you can check if it has Thatcham’s Category 1 approval at

www.thatcham.org
25% Approved tracking device More info
Discount for motorhome tracking devices

Such devices can help locate your stolen motorhome by guiding police to its position using GPS technology. Not all tracking devices qualify for our discount.

Learn more

Features & benefits

Backed by a leading UK insurer, RSA (Royal & Sun Alliance Insurance plc)

RSA Group

Our motorhome insurance policy lets you keep your premium low by only choosing the cover options you need. Compare our policy benefits to your existing motorhome insurance and we're sure you'll find our cover to be great value for money.

  • Comprehensive specialist motorhome cover
    Reassurance of accidental damage cover and no excess for windscreen repairs
  • UK breakdown assistance and recovery (operated by AXA Assistance)
    No size restrictions for recovery, plus help when stuck in mud or if you use the wrong fuel
    Click to read more about our UK motorhome breakdown assistance cover
  • European breakdown cover
    Extends our specialist motorhome recovery service including repatriation costs
    Click to read more about our European motorhome breakdown cover
  • Emergency accommodation cover options
    Fall back on up to £75 daily for a maximum of 15 days so you can continue your holiday – or pay to extend this up to £100 per day for up to 30 days
  • £100,000 motor legal expenses
    This covers any motorhome or car owned by you and can be used to fund legal proceedings to recover uninsured losses, such as your excess, from the driver at fault, where you have greater than a 51% chance of compensation success
  • £20 million public liability cover
    Protection from legal claims made against you or insured drivers for accidents, injuries or damage
  • £15,000 personal accident cover
    A little peace of mind provided by a lump sum payment following a major accident
  • Awning storm damage
    Both your motorhome and awning are covered should they be caught in a storm
  • 24 hour 365 day claims helpline
    When crisis strikes the team is on hand to help sort things out
  • Comprehensive European cover up to 9 months option
    Enjoy the freedom to take trips abroad be it a hop across the channel or a full tour of Europe
    Click to read list of countries covered.
    Motorhome European insurance cover

    Our European Motorhome Insurance option gives you comprehensive cover to visit the countries listed in the table below.

    The Endorsement section of your policy schedule shows if European Insurance and / or European Breakdown options are in force.

    The maximum amount of time that can be spent in any one country is 180 consecutive days. The maximum amount of time that can be spent abroad in Europe overall is 9 months within each policy year.

    Green Cards

    To visit certain countries you will require a Green Card (see table below), which proves you have the minimum legal requirements for third party liability insurance.

    We can issue a Green Card for an additional charge on request. Please contact us in good time with details of the countries you are travelling to and the dates you will be in each country.

    Please note that our European Breakdown provider AXA Assistance and Legal Expenses provider Albany Assistance Limited do not provide cover in countries that a Green Card is required for.

    Scroll down to see list of countries

    Albania Green Card required
    Andorra Tick
    Austria Tick
    Belgium tick
    Belarus cross
    Bosnia & Herzegovina Green Card required
    Bulgaria tick
    Croatia tick
    Cyprus (Greek territory) tick
    Czech Republic tick
    Denmark tick
    Estonia tick
    Faroe Islands Please contact us
    Finland tick
    France (inc Monaco) tick
    Germany tick
    Greece tick
    Hungary tick
    Iceland tick
    Iran cross
    Iraq cross
    Ireland tick
    Italy (inc San Marino & Vatican) tick
    Israel Green Card required
    Kosovo cross
    Latvia tick
    Lithuania tick
    Luxembourg tick
    Macedonia Green Card required
    Malta tick
    Moldova cross
    Morocco Green Card required
    Netherlands tick
    Norway tick
    Poland tick
    Portugal (inc Madeira) tick
    Republic of Cyrpus Cyprus is split into two parts. We can only provide European Insurance for the southern (Greek) part. The northern part is classed as the Republic of Cyprus (Turkish) and is not part of the Green Card system.
    Romania tick
    Russia cross
    Slovak Republic tick
    Slovenia tick
    Spain (inc Balearics & Canaries) tick
    Sweden tick
    Switzerand (inc Liechtenstein) tick
    Tunisia Green Card required
    Turkey Green Card required
    UK (inc Gibraltar) tick
    Ukraine cross
    Yugoslavian Republics of Serbia & Montenegro Green Card required

    Countries listed correct as of 15/05/2014.

  • Protected no claim discount option
    Help to keep your premiums low even if you have to claim
  • £5,000 equipment and personal possessions cover
    For portable items such as trailers, awnings, gas bottles, generators, TVs and clothing
  • New for old motorhome replacement (if owned from new and under 2 years old)
    Get a brand new motorhome if yours is written off or stolen
  • £1,000 cover for keys and locks
    Feel secure with replacement locks, keys and transmitters following theft
  • Flexible excess from £150
    You can reduce your premium by increasing your excess
  • 14 day money back guarantee (subject to no claims)
    Our plain English policy comes with the reassurance of a satisfaction guarantee

Heart Research Logo

Plus, for every paperless policy we provide, we will donate £1 to our chosen charity - Heart Research UK.


This website provides a brief summary of the policy cover and options that are available to you. Your schedule will confirm cover features and levels applying. Benefits and discounts are subject to change and are subject to terms and conditions, cover level and underwriting criteria. Minimum premiums apply. For more information about our motorhome insurance policy, you can download a specimen policy or policy summary from our motorhome insurance documents section. Minimum premiums apply.

I'm with Caravan Guard because...

Watch our video and see what our customers think

"Excellent European Breakdown Service"

In 2014 our motorhome broke down on a mountainside in Spain. A phone call to Caravan Guard led to recovery on a low loader the 120kms to Malaga, where we were provided with a hotel room with B&B for the week it took for a repair to be effected. This enabled us to get to know the Malaga area and enjoy our waiting time. We are appreciative of the excellent service provided through Caravan Guard. During our many years of insurance cover by them, it is always 'service with a smile' – Well, it sounds that way when talking with them on the phone!

RamblingRoses, Review Centre

Our guide to motorhome insurance

Why do I need specialist motorhome cover?

Motorhome insurance is a legal requirement just like car or van insurance, but the cover needed is very different because of the way you use your motorhome, and the amount of equipment and facilities it contains.

What are the key things to look for when choosing a motorhome policy for your insurance?

  • Only pay for the cover you need: We let you choose whether to include European Cover, and calculate premiums based on your annual mileage - so if you don't go abroad, or only drive a few thousand miles a year, you can make sure you are only paying for the insurance cover you need.
  • Get all the discounts you deserve: Security devices such as Pro-Active Tracking Devices, alarm systems and immobilisers will earn you big insurance discounts with us, but simple steps such as keeping your motorhome behind 24 hour locked gates, fitting a reversing camera, or joining a motorhoming club will also drive down your insurance premium.
  • UK motorhome breakdown cover is automatically included with our motorhome insurance policy and European insurance and breakdown cover is available as an optional extra. Some breakdown services have size or weight restrictions - our breakdown cover doesn't have any limits on the size or weight of the vehicle and so is suitable for large or small motorhomes.
  • 'New for Old' cover is offered on motorhomes up to 2 years old (subject to you owning it from new). This means that if the motorhome is stolen or damaged beyond economic repair you will be given a brand new motorhome of the same or nearest equivalent model. 'Market Value' cover means that you will be given a cash sum which represents the lost motorhome's current 'Market Value' in such a total loss situation.
  • Make sure the policy is with a reputable insurer. Our motorhome policy is underwritten by Royal & Sun Alliance Insurance plc (RSA), one of the UK's leading insurers.
More reasons to choose us
Number 1 on ReviewCentre
Number 1 for service and value
RSA Logo
Reassuringly good cover from a leading insurer
Award winning customer service
Award winning customer service
Norton Secure online quotes
Safe and secure online quotes
Trusted family business since 1984
Confidence in a trusted family business
claiments rate our service as good or exceptional
Claimants rate our service as good or exceptional
Great value icon
Great value for money
Money back guarantee
Money back guarantee
NCC Logo
Member of the National Caravan Council
Heart Research Logo
Heart Research donation with every paperless policy
Plain English policy icon
Plain English policy and documents