E&L Insurance

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Buying a touring caravan can be a huge financial commitment, so it makes sense to protect your investment with tourer caravan insurance.

Cheap Caravan Insurance from E&L offers comprehensive, low cost insurance to cater for all your touring caravan insurance needs. Camping & caravan accessories such as awnings, motor movers and kitchen equipment can also be added to the policy

We offer four different levels of cover for tourers to find out more about the different benefits availabe please see our policy information section. We also answer many commonly asked queries within our Touring Caravan FAQ's section. You may also want to take a look at or helpful hints and tips on caravanning which covers a whole host of interesting topics.

Touring caravan Insurance plans can include: -

  • Up to 25% online premium discount
  • Further discount's available for storage, approved tracker's, driver age and caravan club membership up to a maximum total discount of 30%.
  • Up to 5 years new for old cover dependent on plan chosen
  • Cover for fire and theft, European use, public liability, new for old and personal accident available

So if you are taking your tourer abroad you don't need to worry as European Cover is available on all our touring caravan insurance plans. Depending on the level of cover chosen you can take your caravan to Europe for between 120-260 days a year, at no extra cost.

And with four levels of cover to choose from we are sure you will find a comprehensive policy at the right price. With premiums starting from as little as:

  • Vanguard 1 – monthly caravan insurance premiums from £3.47
  • Vanguard 2 – monthly caravan insurance premiums from £3.72
  • Vanguard 3 – monthly caravan insurance premiums from £3.89
  • Vanguard 4 – monthly caravan insurance premiums from £4.31

Read more.

Caravan Policy Information

  Vanguard 1 Vanguard 2 Vanguard 3 Vanguard 4
Monthly1 Yearly Monthly1 Yearly Monthly1 Yearly Monthly1 Yearly
Fire and Theft 100% 100% 100% 100% 100% 100% 100% 100%
Accidental Damage, Storm and Flood – – 100% 100% 100% 100% 100% 100%
New for Old 1 year 1 year 2 years 2 years 3 years 3 years 5 years 5 years
European Use 140 days 120 days 200 days 180 days 240 days 220 days 260 days 240 days
Personal Accident £10,000 £7,500 £15,000 £12,500 £20,000 £17,500 £25,000 £22,500
Hotel Accommodation and Replacement Hire – – £1,000 £800 £1,500 £1,250 £2,000 £1,750
Recovery and Delivery Costs – – £750 £650 £950 £850 £1,150 £1,050
Driver Cover – – £500 £400 £700 £600 £900 £800
Public Liability £1.25m £1m £1.5m £1.25m £2m £1.75m £2.25m £2m
Family Cover Free Free Free Free Free Free Free Free
CaSSOA/Storage 5% discount2 if stored at CaSSOA gold sites
Security Device 10% discount2 if fitted with an approved tracker. Approved trackers are Phantom Target, Phantom Target Pro-Active, Tracker Horizon and RAC Trackstar Plus
Driver Over 45 Years 5% discount2
Membership of The Caravan Club 5% discount2

Security Requirements

Please see our Caravan Insurance Security Requirements document.

Excess

The excess is the amount you pay towards a claim. It is £119 on all sections except Public Liability where it is £150.

1. Lunar monthly policy (more information)

2. The total maximum discount per policy is 30% even if you qualify for discounts which total more than 30%.

The following discounts are available on E&L® Caravan Insurance:

  • 25% online discount
  • 5% discount if you store your caravan at a CaSSOA gold site
  • 10% discount if your caravan is fitted with an approved tracker. Approved trackers are Phantom Target, Phantom Target Pro-Active, Tracker Horizon and RAC Trackstar Plus
  • 5% discount if the driver of the caravan is over 45 years old
  • 5% discount if you are a member of the Caravan Club

The total maximum discount per policy is 30%.

Introductory discounts provided only apply to new policies taken out online.

To be eligible for E&L® Caravan Insurance the following conditions must be met:

  1. The policyholder is a UK resident aged over 18 years
  2. The driver of the towing vehicle is aged over 25 years
  3. The caravan door opens onto the kerb side
  4. Caravan must be of UK specification
  5. The caravan is not a Hobby, Knaus or Tabbert model
  6. The caravan must not be used as permanent living accommodation
  7. The caravan must not be used as accommodation for periods longer than 90 consecutive days unless we have agreed in writing
  8. Caravans cannot be over 20 years of age unless we have specifically agreed and you have paid the appropriate premium and the endorsement is shown on the Schedule
  9. The policy application is subject to a flood risk assessment.
  10. You must meet our security requirements

Please see the Caravan Insurance Policy Wording for full eligibility criteria.

Policy Summary

The policy summary gives an overview of the benefits our caravan insurance provides

Caravan Insurance Policy Summary

Policy Wording

The policy wording outlines full details of our caravan insurance terms and conditions.

Caravan Insurance Policy Wording

To view the above PDFs Adobe Reader must be installed.

Register a Claim

Several of our claim forms are available to download online in PDF format. After completing the form you will be provided with a download link to your requested claim form which you can simply print out, fill in and either fax or post to us.

To complete the form please click here

View our Testimonials pages.

Touring Caravan Insurance FAQs

If the following FAQs don't answer your query please have a look at our General FAQs or our Leisure and Lifestyle Insurance FAQs sections.

  • Are there any caravans that you don't insure?

  • Yes, we do not cover any caravan with the door on the drivers side. The maximum shipping length is 27ft (The shipping length is the complete length of the caravan from towing hitch to rear lights) . We are also unable to insure Hobby, Tabbert or Knaus caravans.

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  • Does the policy cover the cost of recovery?

  • The policy covers the cost of recovery within the UK following loss/damage as a result of any cause listed in section 1 of our Policy Wording. This should not be confused with breakdown recovery cover which our policy does not provide.

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  • Does the policy include delivery to the repairer and then to your home?

  • Yes, this is included. Please refer to the touring caravan policy wording for the terms and conditions.

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  • Is it covered whilst being towed?

  • Accidental damage is covered whilst the caravan is being towed. Any Public Liability cover will be provided by the insurance company of the towing vehicle.

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  • Is there an age limit for my touring caravan?

  • The maximum age of any caravan is 25 years old.

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  • Is there any cover for accessories/contents included?

  • The following accessories can be insured: awning, toilet tent, generator, motor mover, stabiliser, camping table/chairs, refrigerators, heater, water carrier, kitchen equipment/utensils, security devices, and sleeping bags/bedding. We do not offer cover for any other contents such as televisions and clothes.

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  • What are the age limits for drivers and policyholders?

  • The minimum age limit is 25, with the maximum age being 75 years old.

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  • Who is covered for towing the caravan?

  • The caravan can be towed by the policy holder and their spouse. Up to 3 other family members can be added to the policy for free.

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  • Who is covered to use the caravan?

  • We cover the insured property for social, domestic and pleasure purposes. We do exclude use of the caravan for business purposes, hiring or lending out unless we have specifically agreed otherwise and endorsed your policy schedule accordingly. We also exclude use of the caravan as permanent living accommodation or home address, or as accommodation for periods longer than 90 consecutive days unless we have given prior agreement in writing and you have paid any additional premium.

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Touring Caravan Tips and Advice

More Tips

Do you have a touring caravan? Insurance is crucial

Across the UK, people enjoy owning and spending time in caravans. They find it is a fabulous way to relax and get away from the stresses of every day life. It offers a chance to spend precious time with family and friends and allows you to go somewhere new, without having to worry about where you'll be sleeping that night.

For anyone who enjoys spending time in a tourer caravan, insurance is an important consideration. Not only does insurance provide you with financial protection, should your caravan suffer damage, but it's also a legal requirement if you're towing it on a public road.

If you're seeking touring caravan insurance, look no further than E&L. We offer specialist policies, providing you with security and peace of mind when you're travelling - as well as when your caravan is not in use.

To find out more about our tourer caravan insurance, why not get a free quote today? And if you have any questions about the services we offer, please don't hesitate to get in touch. A friendly member of our team will be happy to help you out.

What tourer caravan insurance covers

If you have a touring caravan, you'll want to make sure that your property is properly protected. After all, a caravan can be a significant investment - both financially and in terms of your leisure and family time.

Here at E&L, our touring caravan insurance policies provide comprehensive cover and we have four different options for you to choose from, ensuring that you get the cover you need, without having to pay for anything you don't.

No matter which plan you choose, your tourer caravan insurance will provide cover for fire and theft. Personal accident and public liability cover is also included on all the plans and the amount of compensation you receive increases with the level of your chosen policy.

All of our cover options will also keep you protected if you choose to holiday with your caravan in Europe. Depending on the age of your caravan, you may also be entitled to new-for-old replacement if the caravan is involved in an accident and cannot be repaired.

If you need insurance to cover accidental damage caused by storms or floods, some of our plans cover those eventualities as well. And with some of our options, you may also be reimbursed for hotel accommodation if something goes wrong.

We also offer a number of discounts on our tourer caravan insurance - which could help you save as much as 30%. For example, drivers over 45 years of age can receive a 5% discount, and so can those who are members of the Caravan Club.

E&L: providing touring caravan insurance

With more than 70 years of experience in providing niche insurance to UK consumers, at E&L we are committed to providing high-quality policies that you can depend on.

We work hard to ensure that our touring caravan insurance offers just what our customers are looking for, and we are take pride in offering a friendly and helpful service at all times.

If you have any questions about our touring caravan options, be sure to check out our caravan FAQs. We can also help you keep up to date with the latest caravanning news, letting you know about the newest vehicles on the market, as well as the most popular caravanning destinations.