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.
Excess
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%.