AA UK and European breakdown cover included as standard.
We will pay for the replacement or repair of any damaged glass in your motorhome.
You'll be protected when travelling abroad in your motorhome.
Emergency overnight accommodation and travel expenses.
Public liability cover
We will pay all the amounts you may become legally responsible for if you:
Cover is limited to £20,000,000 including all costs (or any higher limits provided for by local legislation in territories outside the United Kingdom but within the territorial limits) for any one occurrence or series of occurrences arising from one cause; as a result of the use of your motorhome and any trailer or caravan being towed by it or any other vehicle which your certificate of insurance allows you to use.
Cover we provide for other people
We will cover the following people for legal liabilities to others:
Your legally appointed representatives
After the death of anyone who is insured under Section 1 of your Safeguard Motorhome Insurance Policy, we will protect that person’s estate against any liability they had if that liability is insured under your Safeguard Motorhome Insurance Policy.
Legal fees and expenses
If there is an accident insured under Section 1 of your Safeguard Motorhome Insurance Policy we will arrange and pay for:
Loss or damage to your motor home
We will, at your request, pay for:
Replacing your motorhome
We will, subject to your consent and that of other interested parties, replace your motorhome with a new one of the same make, model and specification of the motorhome if it is:
We will only do this if:
We will pay up to £500 in respect of portable generators used solely in connection with your motorhome, provided at the time of the incident giving rise to a claim the portable generator was contained in or on your motorhome or connected thereto.
If the generator is permanently fixed, this falls under the definition of your motorhome as a fixture and fitting and is covered up to the market value.
If we are going to settle your claim by replacing your motorhome or by paying you the market value, your motorhome will become our property.
If your motorhome has a cherished registration plate you will retain this.
Obsolete and Spare Parts
If any part or accessory is not available the most we will pay for that part will be the cost shown in the manufacturer’s last UK price list, plus the fitting cost.
If the part is not listed in the manufacturers last United Kingdom price list we will pay the cost of an equivalent part plus the fitting cost.
Windscreens and windows (Comprehensive cover)
If the glass in your motorhome is damaged, we will pay for its replacement of repair. We will also pay for repairs to your motorhome’s bodywork if scratched by broken glass.
Provided there is no other loss or damage and no claim is made under any section of your Safeguard Motorhome Insurance Policy, any claim for payment made for glass replacement or repair under this section will not affect your no claims discount.
Personal belongings (Comprehensive cover)
As part of our comprehensive motorhome insurance policy, you have cover of up to £2,000 for personal belongings. This includes, linen, cutlery, utensils, furnishings, clothing, and other camping equipment used in conjunction with your motorhome.
This does not include property taken from an unlocked vehicle or property which has not been properly protected from loss or damage. In respect of awnings, gas cylinders and generators, we will pay up to £1,000.
Emergency overnight accommodation / travel expenses
Following an accident covered under Section 1 of your Safeguard Motorhome Insurance Policy where you are unable to use your Accident Recovery Service to transport the person or pets being carried to the intended destination due to:
We will pay for:
The maximum amount we will pay is £250.
Contents and valuables
We will pay up to £3,000 subject to the limits shown below, in respect of loss of or damage to contents and/or valuables caused by theft or attempted theft or an accident.
(a) £500 any one article (including valuables)
(b) £500 overall in respect of valuables
When you need to make a claim, we'll help you through the process by putting you in contact with the insurers to get your claim settled as quickly as possible.
See the checklist below; if these match you and your vehicle, then you may qualify for a quote.
You can add one additional driver to your motorhome insurance policy.
Safeguard’s motorhome insurance includes UK and European breakdown cover, as long as your motorhome is less than 20 years old. Cover for any road trips in the EU is included as standard, 365 days per year.
This cover includes roadside assistance, towage and any repairs in the garage (up to the value of £250 for motorhomes up to 3.5 tonnes (3,500 kg), and up to the value of £2,000 for vehicles above 3.5 tonnes.)
Yes. Provided you have been five years claims free on your motorhome insurance, you will have the option to protect your No Claims Bonus.
If you are in the UK and your motorhome breaks down:
If you are in Europe and your motorhome breaks down:
If you are in France and your motorhome breaks down:
It is not possible to suspend your Safeguard motorhome insurance during winter. Even when you are not making use of your motorhome, having motorhome insurance is a legal requirement and your vehicle must be insured against risks such as storm damage and theft.
We can provide motorhome insurance for classic motorhomes, American RVs and campervans.
We will not cover loss or damage or legal liability directly or indirectly caused by:
We will not cover loss, damage, injury or liability as a result of:
to be intended to:
– cause fear among the people of a country or state;
– disrupt any part of the economy of a government, country or state; or
– affect the policy or conduct of a government.)
However, we will provide the cover you need to meet the requirements of any compulsory insurance legislation in force within the territorial limits.
We will not cover any claim or damage arising while your motorhome is being:
We will not cover any loss, damage or liability caused by riot or civil commotion outside Great Britain, the Isle of Man or the Channel Islands other than is necessary to meet any compulsory motor insurance legislation.
Any loss or damage caused by or arising from riot, mildew, insects, woodworm, vermin, dyeing or cleaning of contents contained within your motorhome.
Any damage caused deliberately by you or anyone else insured under your Safeguard Motorhome Insurance Policy.
Loss or damage caused by water gradually entering your motorhome through seams or seals.
We will not pay more than our legal liability under compulsory motor insurance legislation for any claim, if the driver of your motorhome, at the time of the accident
If we are obliged to make a payment in such circumstances we reserve the right to seek to recover any such amounts from you or the driver of your motorhome.
We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.
Seasoned pro or novice camper, find all you need to know in our guide to choosing, buying, and caring for your used touring caravan.Read more
A guide to finding the new for old or market value of your touring caravan for insurance purposes.Read more
Winter landscapes and more peaceful sites can make caravanning in winter worthwhile. If you're braving the cold, here's how to keep your caravan insulated and warm.Read more
Touring caravan insurance can be difficult to understand. So we've put this brief guide together to help you find your way through it with ease.Read more
A caravan is an expensive investment, so it's important to keep it safe and secure. We've put together a simple guide to caravan security devices.Read more
New data reveals when and where your caravan is most likely to be stolen across the UK.Read more