Specialist insurer Caravan Guard has come out on top in two categories of What Motorhome magazine’s annual awards.
It was named best motorhome insurance provider and best campervan insurance provider for 2024, beating out 11 other firms for the prizes.
The judges highlighted Caravan Guard’s high level of cover and low premiums as the most important factors when choosing an insurer.
Among the benefits are unlimited windscreen cover, a £1,000 limit for replacement locks, high personal injury claims of up to £15,000 and legal cover.
While Caravan Guard has scooped the award in the motorhome category before, it’s the first time it’s won for campervans.
Ryan Wilby, managing director of the firm, said: “We’re delighted to have won another award for our motorhome insurance scheme.
“We’ve worked hard to make our motorhome and campervan cover benefits some of the best around and to maintain very competitive premiums.
“Combined with the brilliant service offered by our team seven days a week, we truly believe we offer an award-winning package to both motorhome and campervan owners.
“Thank you to all our existing customers for their loyalty and feedback that helps us to continually improve.”
Why do leisure vehicles require specialist insurance?
It’s a legal requirement to have insurance for your caravan, motorhome or campervan and standard car insurance doesn’t count.
As well as leisure vehicles being much larger than your typical car, they also perform many more functions, which should be reflected in your insurance.
For example, a good policy will cover accommodation in the event of a breakdown or an accident, because your caravan, motorhome or campervan is also where you sleep.
Before purchasing insurance, make sure it includes:
- Cover for contents and personal effects, including expensive electronics and valuables you’re likely to have in your leisure vehicle.
- Travel insurance for going abroad, if you’re planning on going overseas.
- Cover for any damage caused by gas canisters or heaters.
- Agreed-value cover, where a specific amount is paid out if the vehicle is written off or stolen.
- Breakdown insurance like you would have for a car.
- Key protection in case they’re lost or stolen.
- Accidental damage, which should include important elements like the floor.
What influences the cost of leisure vehicle insurance?
Obviously some specialist insurers will charge more than others for cover, but there are also a number of factors that will influence your premium. These include the engine size, where you store your caravan, motorhome or campervan, how much you use it and any security features that are fitted.
Photo credit: Pexels/Third-man
