Cover
Caravan and motorhome insurance and breakdown cover
24 providers · 24 include European cover
Insurers, brokers, club schemes and breakdown providers side by side, with what each one actually covers. We list providers whether or not they pay us.
Compared at a glance
| Provider | Type | Country | Covers | Europe |
|---|---|---|---|---|
| AA European Breakdown Cover | breakdown cover | GB | touring caravan, motorhome, campervan +3 | Yes |
| ADAC Campingversicherung (Standfahrzeug) | club scheme | DE | static caravan, contents, awning | Yes |
| ADAC Wohnwagen- und Wohnmobil-Versicherung | club scheme | DE | touring caravan, motorhome, campervan +2 | Yes |
| Adrian Flux | broker | GB | touring caravan, static caravan, motorhome +5 | Yes |
| ANWB Caravanverzekering | club scheme | NL | touring caravan, trailer tent, contents +2 | Yes |
| ANWB Wegenwacht Europa Service | breakdown cover | NL | touring caravan, motorhome, campervan +2 | Yes |
| Arrival Breakdown Cover (Camping and Caravanning Club) | breakdown cover | GB | touring caravan, motorhome, campervan +3 | Yes |
| Britannia Rescue (LV=) | breakdown cover | GB | motorhome, campervan, european travel +1 | Yes |
| Camping and Caravanning Club Insurance (Club Care Insurance Services) | club scheme | GB | touring caravan, static caravan, motorhome +4 | Yes |
| Caravan and Motorhome Club Insurance | club scheme | GB | touring caravan, motorhome, campervan +4 | Yes |
| Caravan Guard | broker | GB | touring caravan, static caravan, motorhome +7 | Yes |
| Coast Insurance | broker | GB | touring caravan, static caravan, motorhome +3 | Yes |
| Comfort Insurance | broker | GB | motorhome, campervan, european travel +2 | Yes |
| Green Flag European Breakdown Cover | breakdown cover | GB | motorhome, campervan, european travel +1 | Yes |
| Lifesure | broker | GB | touring caravan, static caravan, motorhome +3 | Yes |
| MAYDAY European Breakdown Cover (Caravan and Motorhome Club) | breakdown cover | GB | touring caravan, motorhome, campervan +3 | Yes |
| ÖAMTC Schutzbrief | club scheme | AT | european travel, breakdown | Yes |
| RAC European Breakdown Cover | breakdown cover | GB | touring caravan, motorhome, campervan +3 | Yes |
| Red Pennant Travel Insurance (Caravan and Motorhome Club) | club scheme | GB | european travel, legal expenses | Yes |
| Ripe Caravan Insurance | broker | GB | touring caravan, static caravan, trailer tent +3 | Yes |
| Safeguard | broker | GB | touring caravan, static caravan, motorhome +4 | Yes |
| Shield Total Insurance | broker | GB | touring caravan, static caravan, motorhome +4 | Yes |
| TCS Camping-Mitgliedschaft | club scheme | CH | touring caravan, motorhome, campervan +4 | Yes |
| TCS Wohnmobil-Versicherung | club scheme | CH | touring caravan, motorhome, campervan +2 | Yes |
We are not authorised to give financial advice. Read the policy wording and check the cover limits against your own trip before buying.
Breakdown cover
7 listed
AA European Breakdown Cover
AA European Breakdown Cover provides assistance in 40 countries with a 24/7 English-speaking helpline and a network of more than 60,000 repair operators, sold in zones or as all-zones cover. Cars, vans, campervans, caravans and motorcycles over 200cc are eligible within limits of 3.5 tonnes, 7m length, 2.3m width and 3m height. Annual policies cover unlimited trips up to 364 days with a maximum of three claims per year, and the policy must be purchased before departure.
ANWB Wegenwacht Europa Service
ANWB Wegenwacht Europa Service is the Dutch breakdown and recovery product for caravans and campers travelling in Europe, drawing on around 7,000 breakdown providers across 48 countries. Units up to 3,500kg can be recovered to the Netherlands; heavier campers receive only lock-out and transport assistance reimbursed up to EUR 500. A 48-hour waiting period applies from purchase, garage repair costs remain the customer's responsibility, and rental campers, caravans and trailers are excluded.
Arrival Breakdown Cover (Camping and Caravanning Club)
Arrival is the Camping and Caravanning Club's breakdown cover, built with the RAC and administered by RAC Financial Services and RAC Motoring Services. Products are split by unit type, with caravan cover designed around towing and motorhome cover advertised without size or weight restrictions. All variants include rescue at home, at the roadside or on site as standard, and a European add-on covers holidays abroad.
Britannia Rescue (LV=)
Britannia Rescue is the LV= breakdown brand, sold, underwritten and administered by Liverpool Victoria Insurance Company Limited, part of the Allianz Group. It offers five tiers: Roadside Assist at GBP 33, Roadside & Home Assist at GBP 66, UK Recovery at GBP 73, UK Recovery & Home Assist at GBP 102 and UK & European Assist at GBP 152 a year, as listed on 6 August 2026. Cover applies to motorised vehicles that require motor insurance, including motorcaravans and motorhomes; caravan-towing terms are not stated on the overview page.
Green Flag European Breakdown Cover
Green Flag European Breakdown Cover is underwritten by U K Insurance Limited and sold as single trip cover for one to 90 days or annual multi-trip cover giving 90 days a year with a 30-day cap per trip. It includes 24/7 roadside assistance with English-speaking support, repatriation to the UK, spare parts location and dispatch, and pre-departure replacement vehicle arrangement. Vehicles must be under 16 years old; Green Flag also supplies the Caravan and Motorhome Club's MAYDAY European product. Prices quoted were from GBP 8.46 per day and from GBP 80.00 annually when checked on 6 August 2026.
MAYDAY European Breakdown Cover (Caravan and Motorhome Club)
MAYDAY European Breakdown Cover is the Caravan and Motorhome Club's overseas breakdown product, provided by Green Flag and underwritten by UK Insurance Limited. It includes roadside assistance and towing up to GBP 250, accommodation and car hire allowances up to GBP 2,000 each where repairs exceed eight hours, vehicle repatriation, spare parts dispatch and legal expenses up to GBP 10,000. It is available to Club members and, at the time of checking, European cover could only be bought by phone.
RAC European Breakdown Cover
RAC European Breakdown Cover provides 24/7 roadside assistance in 48 countries, split into three zones covering western Europe, southern Europe and Scandinavia, and eastern Europe and Turkey. Caravans and motorhomes are eligible within limits of 3,500kg gross vehicle mass, 7m length including the tow bar, 3m height and 2.55m width. Cover is sold as single trip from one to 90 days or as an annual multi-trip policy, and the RAC also sells a dedicated caravan and motorhome breakdown product.
Club scheme
9 listed
ADAC Campingversicherung (Standfahrzeug)
ADAC Campingversicherung is a property policy for caravans left standing on a pitch, covering fixed fixtures and factory-installed special equipment up to the vehicle's value. Insured perils include fire and explosion, storm, hail, snow load and vandalism, with optional cover for movable contents. Cover applies Europe-wide including all of Turkey.
ADAC Wohnwagen- und Wohnmobil-Versicherung
ADAC offers motor insurance for caravans and motorhomes through ADAC Autoversicherung, comprising compulsory third-party liability with cover up to EUR 100 million per claim, plus optional Teilkasko and Vollkasko. Add-ons include Camper-Inhaltsschutz for movable contents and personal belongings, driver cover and no-claims protection. Cover applies within the geographic boundaries of Europe including European Turkey, and ADAC members receive up to 10 percent discount. A separate ADAC Campingversicherung covers fixed inventory on stationary caravans against fire, storm, hail, snow load and vandalism.
ANWB Caravanverzekering
ANWB Caravanverzekering is the Dutch motoring organisation's insurance for caravans and folding campers. Standard cover includes break-in, vandalism, fire, theft and water damage, 24/7 emergency assistance, replacement accommodation while the caravan is repaired and repatriation. A purchase value guarantee replaces new caravans at full value for five years and reimburses used caravans at purchase price for three years, with optional hail and storm and accessory cover for awnings and movers.
Camping and Caravanning Club Insurance (Club Care Insurance Services)
The Camping and Caravanning Club offers insurance through Club Care Insurance Services, a trading style of A-Plan Holdings that is authorised and regulated by the FCA. The range covers touring caravans, motorhomes, campervans, tents and camping equipment, trailer tents and folding campers, caravan holiday homes, cars and homes. Breakdown is handled separately through the Club's Arrival product. Specific European cover terms are set per policy and were not stated on the overview page checked.
Caravan and Motorhome Club Insurance
The Caravan and Motorhome Club sells caravan, motorhome, campervan, car, home, cycle and motorcycle cover to its members. Its touring Caravan Cover is a discretionary mutual product, meaning the Club may pay claims outside the strict terms where circumstances justify it, and surplus is reinvested rather than distributed to shareholders. Motorhome and campervan insurance carry Defaqto 5-star ratings, and separate MAYDAY breakdown and Red Pennant travel products cover overseas touring.
ÖAMTC Schutzbrief
The ÖAMTC Schutzbrief is an add-on to an Austrian ÖAMTC auto or motorcycle membership costing EUR 63.90 for 2026. It provides assistance and cost reimbursement in Austria, all European countries, the Mediterranean region and selected islands, covering the member, a household partner and children up to 19. Benefits include mountain and helicopter rescue up to EUR 10,000 and towing up to EUR 330 domestically, plus hospital cover to EUR 75,000, medical repatriation, vehicle recovery and replacement transport abroad. Vehicle eligibility limits for large motorhomes were not stated on the page checked.
Red Pennant Travel Insurance (Caravan and Motorhome Club)
Red Pennant is the Caravan and Motorhome Club's travel insurance for touring holidays in the UK and Europe, administered by PJ Hayman & Company Limited. It covers cancellation, emergency medical costs, baggage and personal liability, with optional winter sports, cruise, gadget and sports equipment extensions. It does not include vehicle breakdown or recovery, which requires the Club's separate MAYDAY product, and it is currently sold to non-members as well as members.
TCS Camping-Mitgliedschaft
The TCS Camping-Mitgliedschaft is a Swiss add-on membership combining breakdown and accident assistance for motorhomes up to 7.5 tonnes and caravans up to 3.5 tonnes with camping-specific benefits. It bundles the Camping Card International and Camping Key Europe cards, camping equipment insurance, and liability and accident cover through the CCI for the holder and up to 10 accompanying people, plus up to 20 percent off TCS campsites in Switzerland. It must be added to an existing TCS membership and the annual price was not published on the page checked.
TCS Wohnmobil-Versicherung
TCS, the Touring Club Schweiz, sells motor insurance for motorhomes, caravans and campervans alongside its ETI Schutzbrief assistance and travel product. The ETI Schutzbrief provides worldwide 24/7 cover including medical emergencies and repatriation, vehicle breakdown assistance abroad, baggage insurance, legal protection and trip cancellation up to CHF 120,000. Premiums for both are quoted only through the TCS online calculator, so no fixed price could be confirmed.
Broker
8 listed
Adrian Flux
Adrian Flux is a UK specialist broker that arranges motorhome, campervan, touring caravan, static caravan and trailer tent insurance, including risks other insurers often decline such as left-hand drive vehicles, imports, self-build conversions, classic VW campers and American fifth-wheelers. It offers agreed value cover, limited mileage discounts and owners club discounts of up to 15 percent. Green cards for European travel are included, and the broker states some schemes permit trips of up to 365 days at a time.
Caravan Guard
Caravan Guard is a specialist UK leisure vehicle insurance provider operating since 1995, FCA regulated and backed by Royal & Sun Alliance. It covers touring caravans, static caravans and lodges, motorhomes, campervans, trailer tents and folding campers, plus American RVs, 5th wheels and park homes. Policies include new-for-old, contents, awning, legal expenses and breakdown options, with European cover available as an addition on campervan policies.
Coast Insurance
Coast Insurance is a family-run UK broker specialising in static caravans, touring caravans, motorhomes, campervans, park homes, holiday lodges and trailer tents, with over 25 years in the market. It handles claims in house to reduce delays. Neither its underwriters nor its European cover terms are stated on the homepage, so those need confirming per quote.
Comfort Insurance
Comfort Insurance is a family-run UK broker specialising in motorhome and campervan insurance, with over 30 years in the market and products developed jointly with Aviva as underwriter. Comprehensive policies include up to 90 days of EU travel as standard, personal effects cover up to GBP 5,000 and unlimited windscreen and window cover. It also insures self-build, professional conversion, classic and VW campervans and offers temporary policies alongside home, travel and car cover.
Lifesure
Lifesure is a UK leisure insurance broker trading as part of Arthur J. Gallagher Insurance Brokers Limited, with roughly 50 years in the sector. It arranges cover for motorhomes, campervans, touring and static caravans, park homes and leisure homes, plus cars and vans, using a panel that includes AXA, Ageas, Allianz, Aviva and LV. It also sells RAC breakdown cover for motorhomes and cars. European cover terms vary by insurer and were not detailed on the site pages checked.
Ripe Caravan Insurance
Ripe is an FCA-regulated UK broker offering modular caravan insurance covering touring caravans, static caravans, holiday lodges, chalets, cabins, trailer tents and folding campers. Standard cover includes theft, accidental and malicious damage and public liability up to GBP 5 million, with optional personal possessions, rental income, legal expenses and no-claims protection. European travel cover is an optional add-on available only for touring caravans, and the underwriter is not named on the product page.
Safeguard
Safeguard is a UK insurance intermediary and trading name of Atlanta Insurance Intermediaries Limited, covering touring caravans, static caravans and park homes, motorhomes, campervans and conversions. Touring caravan policies include EU cover as standard with a green card supplied where needed, and motorhome policies advertise EU cover as standard 365 days a year. New-for-old is available on touring caravans and park homes, with optional breakdown cover; the underwriter is not named on the site.
Shield Total Insurance
Shield Total Insurance is a UK insurance broker and trading style of A-Plan Holdings, specialising in motorhome, campervan, touring caravan, static caravan, trailer and camping equipment cover. It is a member of BIBA, CaSSOA and the National Caravan Council and is FCA regulated. European cover terms depend on the underlying policy and were not specified on the homepage checked.
Common questions
Does UK caravan insurance cover me in Europe?+
Most UK policies include European cover, but the number of days is capped — commonly between 30 and 90 per trip or per year. Exceeding the cap voids the claim, so check the limit against your itinerary before you sail.
Is club insurance cheaper than a broker?+
Club schemes are priced for their own membership and often bundle European cover and legal expenses that a broker charges for separately. A broker tends to win on unusual risks: high-value units, self-builds, storage away from home, or a claims history.
Do I need separate breakdown cover for the caravan?+
Yes in most cases. Standard vehicle breakdown cover recovers the car and leaves the caravan at the roadside. Caravan-specific or club schemes such as Red Pennant and Arrival recover the outfit together, which matters most when you are a long way from home.
What is not covered as standard?+
Awnings, contents above a modest limit, and damage while the unit is being towed by someone not named on the policy are the usual gaps. European breakdown cover is frequently an add-on rather than standard, despite the marketing.