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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 FAQs 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 35% 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 50%.
  • 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

Caravan Policy Information

  Vanguard 1 Vanguard 2 Vanguard 3 Vanguard 4
Monthly1 Yearly Monthly1 Yearly Monthly1 Yearly Monthly1 Yearly
Fire and Theft

Caravan sum insured or market value if less.

100% 100% 100% 100% 100% 100% 100% 100%
Accidental damage, storm and flood

Caravan sum insured or market value if less.

100% 100% 100% 100% 100% 100%
New for Old

Following total loss due to insured peril, we pay the sum insured or the new market value if less.

1 year 1 year 2 years 2 years 3 years 3 years 5 years 5 years
European Use

Up to 90 days per occasion to total.

140 days 120 days 200 days 180 days 240 days 220 days 260 days 240 days
Personal Accident

Causing death to proposer while maneouvering caravan.

£10,000 £7,500 £15,000 £12,500 £20,000 £17,500 £25,000 £22,500
Hotel Accommodation and Replacement Hire

Temporary accommodation costs.

£1,000 £800 £1,500 £1,250 £2,000 £1,750
Recovery and Delivery Costs

10% of the caravan sum insured value, excluding storage costs, within mainland UK.

£750 £650 £950 £850 £1,150 £1,050
Driver Cover

On tour, the driver becomes ill and no party member is a driver. The cost of standard class rail fares in mainland UK for the insured party to return home, and cost of returning car and caravan to same address.

£500 £400 £700 £600 £900 £800
Public Liablility

Legal liability to a third party, for the damages and costs arising from your use of the insured caravan. Excludes liability in connection with the caravan being towed or transported.

£1.25m £1m £1.5m £1.25m £2m £1.75m £2.25m £2m
Family Cover

Cover for additional family members (Up to 3) to use your caravan within the UK. Note: Standard cover automatically includes policyholder and spouse.

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 Retrieve 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.


The excess is the amount you pay towards a claim is £129 on all sections.

1. Lunar monthly policy (more information)

2. The total maximum discount per policy is 50% even if you qualify for discounts which total more than 50%.

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

  • 35% 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 Retrieve 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 50%.

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:

  • The policyholder is a UK resident aged over 18 years
  • The driver of the towing vehicle is aged over 25 years
  • The caravan door opens onto the kerb side
  • Caravan must be of UK specification
  • The caravan is not a Hobby, Knaus or Tabbert model
  • The caravan must not be used as permanent living accommodation
  • The caravan must not be used as accommodation for periods longer than 90 consecutive days unless we have agreed in writing
  • 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
  • The policy application is subject to a flood risk assessment.
  • 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

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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

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