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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%.