Caravan Guard Caravan Insurance Reviews
Latest Reviews
★★★★★
“Renewal service”
Written on: 27/04/2013 by pgorman (2 reviews written)
Just renewed with the company after being with them for a year. Now having had a motorhome and into our fifth year strange to finally get a policy that comes down in price. The team were very helpful to ensure that what was available was suitable for us this year, for instance the breakdown cover, asked were we going abroad as we are not planning to travel to europe this year why pay for something we do not need. It is not that I am not savvey about what is available but for once a company... (read more)
★★★★★
“Customer Service”
Written on: 11/03/2013 by wellsybobs
Just called Caravan Guard to change my insurance date by bringing it forward by 1 day. This is so i can pick up my New Caravan early. The dealer had given me 10 days free with my Policy to start straight after. The insurance was due to start on day of pick up, dealer called to say i can have a day early. What fantastic customer service from Caravan Guard, They are going to reschedule my insurance by 1 day so that i can collect my Caravan and that the years policy kick in also a day early.... (read more)
★☆☆☆☆
“Best avoided”
Written on: 07/02/2013
Took out a policy in 2007 and cancelled policy in 2010 when we sold the caravan. As other reviewers have stated, I was told there would be a 25% cancellation charge and when I questioned this (not originally told), they just said this charge was "clearly stated in terms and conditions" and would not be challenged. I said I needed time to go through the "small print" and they subsequently chased me several times before I received a baillifs letter demanded the said 25% charge and an... (read more)
★★★★★
“Motorhome Insurance - Look no further”
Written on: 31/01/2013
As a caravan owner for over 30 years and age taking its toll, my wife and I recently decided to purchase a used "van derived" motor home. Plenty big enough for days out and the occasional long weekend away but small enough to park in the supermarket car park. When trying to organise insurance I began with my car insurer who declined to even quote. Somewhat baffled, I turned to the widely advertised comparison websites and discovered when providing the vehicle details, most regarded my... (read more)
★★★★★
“breaking down in france”
Written on: 03/12/2012 by goldwing63
After breaking down on the motorway in Narbonne, France we rang Caravan Guard who got a breakdown truck to us within the hour, transported us to the garage, electrical fault was diagnosed, the part could not be obtained for two days, arranged for us to be taken to a campsite for two days while waiting for the part to arrive, rang the garage at 8 30 on the third morning and was told part had arrived, Caravan Guard arranged a tow truck to take us to the garage where the part was fitted within... (read more)
Caravan Guard's Response to goldwing63's Review
Written on: 10/12/2012
Hi,
very glad to hear you were pleased with our European breakdown and recovery service, and thank you very much for taking the time to leave a review.
many thanks,
Neil
Caravan Guard
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★★★★★
“OVER THE TOP SERVICE”
Written on: 01/11/2012 by CHRISCHEVEY (1 review written)
I am astonished on the help and customer care I received from Phil today, I have been fed up of pushy companies chasing my business, some cheaper than yourself , but that is not everything these days, this Guy went out of his way to help and extracted the correct info required to allow me to cover my Motor Home, I have regained my faith in insurance companies. Thank You so much again Phil Chris Ryan (read more)
Caravan Guard's Response to CHRISCHEVEY's Review
Written on: 13/11/2012
Thanks so much for your feedback Chris, it's great to hear that you rate our service highly and we have of course passed your praise on to Phil, the Insurance Adviser who helped you arrange your policy.
many thanks,
Neil
Caravan Guard
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★☆☆☆☆
“Good until you need to make a claim. ”
Written on: 03/10/2012
My Caravan was damaged at the rear. RSA who underwrite Caravan Guard Insurance have taken 7 weeks to reach a decision and their claims process is complicated as they refer the claim to a loss adjuster which means you tend to get passed from one company to another.The repair costs are approximately £9k with possibly further damage once they start the repair(poss axle damage). The market value is just over £6k and I have new for old cover which states that they will replace the caravan if it... (read more)
Caravan Guard's Comment
Written on: 05/10/2012
Dear writer
We are sorry to hear that you are unhappy with the claim service you have received to date. Your feedback is unusual as in 2011 91% of claimants who responded to our claims service satisfaction survey rated the overall standard of claims service as exceptional or above average.
Specialist caravan loss adjusters SPI are used for the Caravan Guard tourer policy. The use of loss adjusters is standard within the insurance industry.
We can confirm that if you opted for New for Old cover on your policy, with a sum insured of £15,000 then this becomes the “value” of the caravan as this is the total amount that we would pay in the event of a total loss claim.
The Finance Dictionary defines ‘beyond economical repair’ as “when repairing an item is more costly than replacing it”. With this in mind, to replace your caravan at £15,000 would be more costly than repairing it for £9,000. Therefore it would be uneconomical for any insurance company to pay £15,000 when they can pay £9,000 to put the caravan back in the same position as it was before the loss. This is standard procedure within the insurance industry.
If you would like to discuss your claim, then please contact our Claims Liaison Team on 01422 396 815, they will be happy to answer any queries you may have.
Kind Regards
Caravan Guard
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Mgr1966's Comment
Written on: 08/10/2012
Dear Caravan Guard
Thanks for your response. Its a shame this is not made clear when purchasing the policy and clearly stated in the policy wording.I did call your claims liason team for help but was asked to take the matter up with RSA directly.
Kind Regards
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★★★☆☆
“Cancellation fees extortionate”
Written on: 11/09/2012 by ttdisgruntled
I have no complaints about the staff, but I had to cancel my policy, due to selling my motorhome after 3 monthly direct debits had been paid totalling £94.11 (£31.37 per month). I then received a letter claiming that I owed them £114.73 as part of my direct debit agreement re cancellation of the policy. I did not recall this being made clear at the time of taking out this policy. Potential customers be aware of this clause, Insurance is a very expensive commodity anyway, without being... (read more)
★☆☆☆☆
“Beware - hidden charges”
Written on: 09/08/2012 by karenwalkwalk
I got charged to change the location of my caravan and I will now be charged for cancelling policy as I have sold my caravan. Would definately not recommend them for this reason. Felt very ripped off! (read more)
Caravan Guard's Response to karenwalkwalk's Review
Written on: 23/08/2012
Hi Karen,
We are sorry to hear you feel disappointed with our charges. Hopefully, I can explain a little about the logic behind our pricing structure.
Nearly all insurance policies apply charges for mid term adjustments and early cancellation of a policy. The reason for this is that there are costs associated with administering changes to the policy and issuing new documentation. By only applying charges where we incur these additional costs, we can keep our annual premiums as low as possible for customers who don’t make any changes or cancel the policy before the end of the annual insurance contract period. Otherwise customers who make fewer changes would be subsidising those who make multiple changes during the life of the policy and the result would be higher annual premiums for all.
We regularly review the charges our competitors make and after the last review our charges were at the lowest end of the scale in the caravan industry and just a fraction of what can be charged on home and motor insurance policies. We also make all customers aware of our charges up front before an insurance policy is taken.
I sincerely apologise if this left you feeling disappointed but I hope this explanation goes some way towards giving you a wider understanding of the reasons.
Many Thanks
Neil
Caravan Guard
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★★★☆☆
“BEWARE 25% CANCELLATION FEE”
Written on: 20/07/2012
I have insured through Caravan Guard to insure my caravan for the last six years. Caravan Guard provided competitive prices compared to other caravan insurers including the caravan club. I never made a claim, so cannot comment on how a claim would be dealt with. When contacting Caravan Guard, thier staff were always polite and helpful. However, had I been aware that Caravan Guard make 25% ADMIN CHARGE of the remaining outstanding fee on the policy, I would probably have opted for the caravan... (read more)
See next 10 reviews
Showing 1 - 10 of 23 Reviews
★★★★★
“Saving me as a customer”
Written on: 08/05/2012
Hello I have just taken out the insurance on my new motorhome that I have recently purchased, I would like to take this opportunity to thank two members of your team for their help. Terry was initially very patient and helpful . Then I spoke to Trisha who rang me back and saved me as a customer of CG. It is not that often that I have come across such a patient and helpful team as you have in your office at CG. I am now a very happy customer, and particularly would like to praise Trisha as I... (read more)
★★★★★
“Static and Touring Caravan Insurance”
Written on: 02/05/2012
A friend recommended Caravan Guard to me for Static Caravan insurance 5 years ago and they've been excellent. I have now purchased a Touring Caravan and contacted Caravan Guard for a quote. I always check on the internet for competative prices and would like to compliment their staff for their help and expertise. They may not always be the cheapest like for like initially but they always do their best to get you the best quote available and their customer service is second to none and... (read more)
★★★★★
“Swift and Efficient Service”
Written on: 10/04/2012
Just a note to thank you for helping resolve a problem I recently had with my campervan so efficiently and effectively. I would also like to pass on my thanks to Caravanguard's local agents (D.H.Price Motors of Sandown, Isle of Wight) who attended very swiftly (within 15 minutes of the call) and dealt with the matter without any problems. This was the first time that I have had to make use of your breakdown services and I was most impressed. (read more)
★☆☆☆☆
“Good service but 25% CANCELLATION CHARGE...BEWARE!!!”
Written on: 26/11/2011
I have insured with Caravanguard for the last 4 years and been generally happy with the prices and service. However, we have just sold our caravan and upon contacting them to cancel, I am told there will be a 25% cancellation charge!!! I do not recall being told this when I originally took out the policy so am a tad perplexed! Had I have known this at the time, I would have taken the insurance out with the Caravan Club as the price was only marginally higher but would not have had to suffer... (read more)
Caravan Guard's Comment
Written on: 07/12/2011
Thanks for your feedback. We genuinely take all comments on board and as such may look to review our policy on cancellation charges in light of your feedback. I did however just want to explain a little about why we currently do things the way we do.
Like most caravan insurance specialists we apply a cancellation charge to cover the administration costs of cancelling a policy. As you mention, this cancellation charge is 25%, but remember that this is 25% of the refund for unused cover and NOT 25% of the entire year’s premium - So if you only have a few months to run on your policy and your refund was £20, we would only deduct a £5 cancellation fee which is a lot less than most insurers would charge.
If a customer has cancelled a policy due to sale of their caravan, we would say that any admin fee paid would be deducted from the annual premium should they insure another caravan, motorhome or holiday home with us within 12 months of cancelling the original policy.
It’s also important to remember that within the first 14 days, a policy can be cancelled without charge and with a full refund of premium paid (providing no claims have been made). Unlike some insurers we also won’t cancel a policy and make you pay to setup a new one if you make a total loss claim in the event of write off or theft, we let the policy run until its renewal.
Neil
Caravan Guard
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Guest's Comment
Written on: 02/02/2012
Yes, we too were misinformed, we feel.
Had we paid "up front" for the year would have things been different?
The 25% of the outstanding balance was not very much, around £17, I think, but we were encouraged to go for the Direct Debit monthly payment, more or less being told that they did not do an "up front" type of premium.
On complaining, as we could not find any mention of this charge in the Terms and Conditions, we were told that "it is in the Policy Booklet" We have not had a new booklet for years, as we always renewed by ongoing Direct Debit, and one would think that there would be a new booklet every year.
We paid, under duress, asking for a breakdown of the charge, that was last Sept 2011, we are still waiting, Feb 2012....
We have since taken our business elsewhere, so much for many years loyalty.
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★★★★★
“Had a policy with Caravan Guard for a few years now...”
Written on: 21/03/2011
Had a policy with Caravan Guard for a few years now and their staff are exceptional, latest renewal I spoke to a girl called Lisa who couldn't do enough for me, extremely helpful, polite and professional. I would recommend Caravan Guard to anyone! (read more)
★★★★★
“Very professional service and a call-centre based in...”
Written on: 26/02/2011 by RomahomeMark (5 reviews written)
Very professional service and a call-centre based in this country where you can get to speak to someone quickly.
Nothing too much trouble for the staff and all documents arrive promptly and accurately. The break down cover is a real bonus too - used that and had someone with us within minutes, all for a premium which was lower than most other companies. Excellent.
(read more)
★★★★★
“Motorhome Insurance. ”
Written on: 25/01/2011
Motorhome Insurance.
I would like to pass on my thanks to both Alex and Lisa for the professional way in which they both dealt with my questions and the time they gave me. During both calls I was never rushed by either member of staff but in particular Lisa who must have the patience of a saint with all my questions. I was given some very sound advice and all my questions were answered fully.
The quote was very competative and the customer service was excellent.
(read more)
★★★★★
“Hi Caravan Guard, ”
Written on: 27/11/2010 by neildouglas (1 review written)
Hi Caravan Guard,
I bought a motorhome at the NEC exhibition and as part of the purchase contacted yourselves through advice from Ben at Spinney. I've called a couple of times since then to discuss the quote and yesterday afternoon contacted Lisa to finalise acceptance.
I've had many years of experience in phone negotiations and over the years have become accustomed to the frustrations of filling in online forms.
Over that time I have never encountered anyone as pleasant, relaxed,...
(read more)
★☆☆☆☆
“I canceled my insurance due to selling my van they...”
Written on: 17/09/2010
I canceled my insurance due to selling my van they charge 25% of outstanding premium £75 in my case!!!! BE WARNED you can get a similar price from caravan claub without the handcuffs.STAY AWAY FROM THIS COMPANY!!!!!!!!!!!!!! (read more)
Caravan Guard's Comment
Written on: 10/11/2010
In response to your review, we are sorry to hear that you are not completely happy with the service you received from us and would like to take this opportunity to apologise. We would also just like to explain a little about our caravan insurance cancellation charges and why they are in place:
<br/>
<br/>The insurance policy is a 12 month contract and the costs of setting up a policy are often quite high.
<br/>
<br/>Our cancellation charges are in place to take account of the extra work involved in processing a cancellation including staff time, printing and posting documents etc. In other words, we also lose out when a policy is cancelled. Charging a cancellation fee allows us to keep our annual premiums down by only charging customers who cancel, rather than passing this cost on to the majority of customers who don't.
<br/>
<br/>Our average premium for tourers is around £200, so for example a customer cancelling after 8 months would receive a £50 refund after the cancellation charge of £16.66 has been deducted.
<br/>
<br/>We also refund the cancellation charge if customers buy another caravan and then reinsure with us within twelve months.
<br/>
<br/>We have taken your comments on board and are reviewing our cancellation processes for the 2011 season.
<br/>
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★★★☆☆
“I found that they didn't go through the insurance...”
Written on: 10/03/2010
I found that they didn't go through the insurance details fully and found when I required to claim I was not covered fully. while the payment was basic to the expence (I'd only have the van four months!) they did pay up promptly. It's up to you to get the full cover for your possessions, they don't help! (read more)
See next 10 reviews
Showing 11 - 20 of 23 Reviews
★★★★★
“Caravan Guard are brilliant!! They gave a really...”
Written on: 23/10/2009
Caravan Guard are brilliant!! They gave a really competative quote and are top notch on customer service, and their product is realy extensive, I liked that they pointed out that I am covered for storm damage to my awning and I can loan my caravan to family and friends on my policy...not that i'll be doing that!! but good to know you can. They have answered the phone in person each time I called .....not like other companies ive tried that keep you in a queue on the phone!! (read more)
★★★★★
“As above = really good company and would recommend to...”
Written on: 06/12/2007
As above = really good company and would recommend to anyone (read more)
★★★★★
“Due to damage on a blow out van had panel damage,...”
Written on: 31/10/2007 by diggera (2 reviews written)
Due to damage on a blow out van had panel damage, reported incident to Caravan Guard and within week Insurance assessor had visited. Had to wait fortnight for quote from repairer (not insurances fault).
Panels not available so van was written off, van was collected within a week and cheque arrived two days later, cannot fault them, settlement was fair as well on par with trade in values, a faultless professional service who have just obtained a lifelong member.
(read more)
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Top 5 Caravan Insurance
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Delwyn's Comment
Written on: 05/04/2013
To be fair, it is shown clearly in the policy booklet in the same style print as everything else is explained. You might have written and asked them to transfer the insurance to the new owner and charged for it.