Campervan insurance

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Your campervan insurance has never been so easy to arrange

Campervans are covered under our insurance policy for motorhomes. The policy, backed by leading UK insurer RSA, offers several major discounts and tailored benefits for campervan owners

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Summary of campervan insurance discounts available

DiscountDo you Qualify?
Up to 69% No claim discount More info
2.5% Rotherham Caravans club discount More info
Up to 11% for secure home storage More info
Up to 10.5% campervan ownership experience discount More info
Up to 7.5% Low mileage discount More info
2.5%Reversing camera or parking sensor discount
Up to 25%*Security system discount as per below:
15%Thatcham category 2 OR manufacturer fitted immobiliser OR... More info
19% Thatcham category 1 security (alarm & immobiliser) or Van Bitz OR... More info
25% Approved tracking device More info
5%Tyre safety discount
  Tyron bands More info
  Tyre pressure monitors More info
  Tyre sealant More info

*Note that 25% is our maximum security device discount even if you have more than one device fitted to your campervan.

Comprehensive specialist campervan insurance cover

  • Comprehensive specialist campervan cover
    Relax with cover for accidental damage and no excess for windscreen repairs.
  • £5,000 equipment and personal possessions cover
    Cover for non-fixed campervan accessories including your gas bottles, water carriers, awnings, canopies, bedding and TV. Also cover for clothing you take on your travels.
  • 24 hour UK recovery and roadside breakdown assistance (operated by AXA Assistance)
    A specialist team will help if you get stuck and need recovery.
  • Optional European breakdown cover
    Extends our campervan recovery service and pays repatriation costs following insured damage which means your campervan can’t be driven.
  • Emergency accommodation
    Reassurance with our options for emergency accommodation with up to £100 daily allowance for hotels or alternate campervan hire for up 30 days.
  • £100,000 motor legal expenses
    This covers any campervan 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
    Financial protection against legal claims made against any insured driver for damage or injuries.
  • £15,000 personal accident cover
    A little peace of mind provided by a lump sum payment following a major accident in your campervan.
  • Storm and campervan awning cover
    Your campervan and any awning, be it a porch awning, canopy or drive away awning, are covered for damage caused by a storm.
  • Highly rated claims service based in the UK
    Our experienced team of campervan insurance experts at RSA will take care of your claim and pay out any settlement.
  • Optional European cover for up to 9 months
    Peace of mind with our comprehensive cover if you plan on travelling abroad in your campervan.
  • Protected no claim discount option
    Help to keep your premiums low even if you have to claim.
  • Commuting and mileage options
    Use your campervan to travel to your workplace and specify up to 11,000 miles.
  • New for old campervan replacement (if owned from new and under 2 years old)
    Take delivery of a brand new campervan following theft or write off.
  • £1,000 cover for keys and locks
    Sleep easier in your campervan 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

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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 campervan insurance policy, you can download a specimen policy or policy summary from our insurance documents section. Minimum premiums apply.

Could I just get a standard van insurance policy to cover my campervan?

A van policy is unlikely to cover much of your equipment and possessions. Van policies usually have a limit of a few hundred pounds for these items. Remember Caravan Guard cover up to £5000 for your non fixed campervan equipment and personal possessions such as clothing.

Caravan Guard also offer mileage discounts plus European travel and breakdown options for you and your campervan. Also we are able to provide cover for those using their campervan to commute to and from work.

If you’re buying a new campervan or bought it new in the last 12 months don’t forget we can offer replacement with new cover up to two years old (terms and conditions apply) - not a benefit often offered in van or car insurance policies.

Our advisers are also specialists in campervan insurance so can help you to get the cover you need at price you’ll love.

Campervan insurance

The VW campervan has been an iconic vehicle for over 60 years and remains as popular today as ever not least in the guise of its California model. But there are literally hundreds of campervan converters out there worth a look.

Caravan Guard provides specialist campervan insurance for campervans up to 25 years old providing they have been professionally converted.

Well known professional converters of campervans include Bilbos, Danbury, Hillside, IH Campervans, Leisuredrive, Vantage, Wellhouse, Westfalia, Wheelhome and Wildax. If when you use our quote facility online and note that your campervan converter isn’t listed, please call us. Chances are we will be able to cover it.

Campervans and van conversions are covered under our insurance policy for motorhomes so please refer to the documents page for full terms and conditions.

As well as Volkswagen based campervans, Caravan Guard can provide insurance for many other types of campervans, campers or van conversions. These are often based on vans manufactured by Citroen, Fiat, Ford, Mercedes and Toyota.

Many campervans are generally small and compact in comparison to coachbuilt motorhomes with living space converting into a bed, and often without separate bathroom. Although some larger van conversions do have a separate bathroom and sleeping areas.

When looking at the exterior of a campervan there isn't much difference compared to what the base vehicle manufacturer’s standard van looks like. It will have windows in the rear side panels and often a pop up roof section (for extra sleeping space or extra headroom). The changes to the interior will be much more dramatic with day time seats that convert into beds, tables, often a cooking hob, fridge, sink, cupboards for storage, and quite often a chemical toilet.

We can also provide insurance cover for some imported campervans such as Mazda Bongo. However, these vehicles must have been imported by a recognised UK dealer and converted professionally.

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No claim discount

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You can transfer no claim discount from the previous insurer of your campervan, 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 campervan 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.

Campervan club or magazine reader discount

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

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

Secure storage discount

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Security measures at your home can result in a saving on your campervan insurance. For example, fitting a padlock to gates or installing a security post at home, storing in a locked outbuilding at your home.

Learn more

Previous experience discount

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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 campervan sized vehicle.

Low mileage discount

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If you don’t travel too far in your campervan 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.

Cat 1 Alarm systems

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CAT 1 alarms generate a sound when any of the doors on a campervan – 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 campervan 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 campervan’s alarm system you can check if it has Thatcham’s Category 1 approval at

www.thatcham.org

Campervan immobilisers

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An immobiliser is an electronic device that prevents the engine from running unless a corresponding key is present in the ignition. We can accept both manufacturer fitted devices and retrofitted devices that are Thatcham Category 2 approved. Most campervan base vehicles registered over the last 20 years will have an immobiliser fitted as standard. If you’re unsure whether there is an immobiliser fitted to your campervan, please check your campervan documentation. Read more about campervan immobilisers here.

Discount for campervan tracking devices

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

Learn more about approved tracking devices for your campervan.

Tyron wheel safety bands

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Tyron wheel safety bands greatly reduce the risk of accident through loss of control after tyre deflation by helping to keep the tyre in place following punctures, blow-outs and under inflation.

Discount for Tyre pressure monitoring

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Incorrectly inflated campervan tyres can affect the way a campervan drives and may lead to a serious accident. That's why we offer an insurance discount for tyre pressure monitoring systems (TPMS) fitted to campervan tyres. TPMS systems work by placing sensors either on the campervan's tyre valves or inside the campervan wheels. These sensors continuously measure the pressure and temperature of the tyres and transmit information wirelessly to a dashboard mounted monitor and sound an alarm if there's any abnormality. Note your campervan base vehicle manufacturer may have fitted TPMS as standard – that’s certainly the case in VW’s California T5 and T6 have. Popular aftermarket TPMS makes include TyrePal or Snooper's Tyre Pilot.

Discount for tyre sealant

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We offer a discount for pre-puncture tyre sealant or slime, which is a proactive defence against tyre punctures and can help prevent an accident. It's injected through the campervan's tyre valves and coats the inside of the tyres. In the event of a puncture, and when the penetrating object is removed, a small amount of tyre sealant is squeezed through the puncture hole to seal the tyre. We offer this discount for the likes of Phantom Tyre Protector and Ultra Seal. Please note the discount does not apply for post-puncture tyre sealant kits which are only used to temporarily repair tyres following a puncture.

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