What Caravan Guard does

Caravan Guard Limited is a UK-based specialist leisure vehicle insurance intermediary and Managing General Agent, founded in 1995 and headquartered in Halifax, West Yorkshire. The company underwrites and distributes insurance for touring caravans, motorhomes, campervans, American RVs, 5th wheel caravans, trailer tents, folding campers, static caravans, holiday lodges, chalets, park homes, and holiday homes, insuring more than 40,000 owners across the UK including Northern Ireland. Its touring caravan and motorhome policies are underwritten by RSA (Royal & Sun Alliance Insurance Ltd), with motorhome breakdown cover provided by AXA Assistance and legal-expenses cover administered by Arc Legal Assistance. The sister brand Leisuredays, wholly owned by Caravan Guard Limited, handles the static caravan and holiday home book, and the broader group operates as an FCA-authorised intermediary.

The core technology is an online quote-and-policy-management platform integrated with RSA underwriting systems, supported by UK-based advisers reachable seven days a week by phone. Product features include new-for-old replacement options, European travel cover (up to 240 days), UK and European breakdown recovery, public liability cover (up to £20M for motorhomes), legal-expenses protection, and an extensive tiered discount structure that rewards no-claims history, security devices, storage at CaSSOA sites, tracking, and driver experience. The business has accumulated sustained industry recognition through consecutive Insurance Choice Awards and What Motorhome Provider of the Year wins between 2020 and 2025, alongside a TrustScore of 4.8-4.9/5 on approximately 10,000 Trustpilot reviews.

Caravan Guard operates a direct-to-consumer distribution model with no broker intermediation: customers obtain quotes and purchase policies through the website or the Halifax contact centre, with renewals, claims, and direct-debit servicing handled by internal teams. The revenue model is commission-based on recurring annual premiums, augmented by add-on modules such as European breakdown extension and legal-expenses cover. The company is privately held by its founding family, with no disclosed external institutional ownership, funding rounds, or recapitalization events.

Name

Caravan Guard

Legal name

Caravan Guard Limited

Website

https://caravanguard.co.uk

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

101–250 employees

Short description

Caravan Guard is a UK-based specialist leisure vehicle insurance intermediary and Managing General Agent, founded in 1995 and headquartered in Halifax, insuring 40,000+ owners of touring caravans, motorhomes, static caravans, and related leisure vehicles under policies underwritten by RSA.

Ownership category

akta.pro rank

Product category

Leisure Vehicle Insurance

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Specialty & Excess/Surplus Lines (E&S) (FSAJAMAH)

Keywords

• Leisure vehicle insurance
• Caravan insurance
• Motorhome insurance
• Static caravan insurance
• Specialist insurance broker

Headquarters

HQ city

Halifax

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Annual Insurance Premiums: Caravan Guard sells annual insurance policies for touring caravans, motorhomes, static caravans, trailer tents, folding campers, campervans, and other leisure vehicles. Premiums are paid annually or via monthly direct debit. Policies include various coverage options and add-ons that affect premium pricing.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels8 records

Core offering

Caravan Guard is a UK specialist insurance broker/Managing General Agent that designs, distributes, and services leisure vehicle insurance policies for individual consumers. Core products include touring caravan insurance and motorhome insurance underwritten by RSA (Royal & Sun Alliance), plus coverage for campervans, trailer tents, folding campers, American RVs, 5th wheel caravans, static caravans, holiday lodges, chalets, holiday homes, and park homes (largely via the Leisuredays sister brand), with add-on breakdown cover (AXA Assistance) and legal expenses cover (Arc Legal Assistance). Policies are sold direct-to-consumer via phone, an online quote-and-buy platform, and Halifax-based UK advisers, with annual premiums billed up-front or via monthly direct debit.

Product overview

Caravan Guard is a specialist leisure vehicle insurance broker and Managing General Agent, offering a portfolio of insurance products across touring caravans, motorhomes/campervans, and static caravans/lodges/chalets. The core products are Touring Caravan Insurance and Motorhome Insurance, both underwritten by RSA (Royal & Sun Alliance Insurance Ltd) and backed by Caravan Guard's own UK-based advisers. Additional vehicle insurance covers campervans, trailer tents, folding campers, American RVs, 5th wheel caravans, holiday lodges, chalets, holiday homes, and park homes — many offered via the Leisuredays sub-brand. Add-on modules include breakdown cover (operated by AXA Assistance), legal expenses cover (administered by Arc Legal Assistance), and European travel extensions. The product architecture is a broker model where Caravan Guard acts as the distribution and service layer, with RSA bearing the insurance risk and AXA/Arc Legal handling specialist sub-services.

Differentiator

Problem solved

Functional benefit

Brands

• Leisuredays: Sister brand providing static caravan, holiday home, lodge and chalet insurance services.

Products and services

• Touring Caravan Insurance Specialist comprehensive insurance policy for individual UK touring caravan owners, covering accidental damage, theft, storm, fire, flood, with new-for-old replacement (up to 15 years) or market-value options, European travel cover (up to 180-240 days), and optional legal expenses add-on underwritten by RSA.
• Motorhome Insurance Comprehensive motorhome insurance for UK owners, including UK and European breakdown assistance via AXA Assistance, configurable cover tiers, new-for-old replacement (motorhomes under 2 years owned from new), and European cover options, underwritten by RSA.
• Campervan Insurance Specialist insurance for UK campervan owners with professionally converted vehicles up to 25 years old, with European cover available as an add-on.
• Trailer Tent & Folding Camper Insurance Specialist cover for trailer tents and folding campers underwritten by RSA, with the same security and storage discount features as touring caravan insurance.
• American RV Insurance Specialist insurance for American RVs and motorhomes including American A-class and American coachbuilt body types, for UK owners seeking cover for US-spec vehicles.
• 5th Wheel Caravan Insurance Insurance for 5th wheel caravans with new-for-old cover available on vehicles up to 5 years from first registration and pin lock as the minimum security requirement.
• Static Caravan Insurance (Leisuredays) Insurance for static caravans, holiday lodges, and chalets distributed via the Leisuredays sister brand, covering fire, theft, storm, flood, accidental damage, with new-for-old option (up to 15 years), £10,000 emergency repairs cover, debris removal, resiting, and public liability.
• Holiday Lodge Insurance Specialist insurance for UK holiday lodges, distributed via the Leisuredays sister brand.
• Holiday Chalet Insurance Specialist insurance for UK holiday chalets, distributed via the Leisuredays sister brand.
• Holiday Home Insurance Specialist insurance for holiday homes and holiday properties, distributed via the Leisuredays sister brand.
• Park Home Insurance Insurance for residential park homes, covering structure and contents, distributed via the Leisuredays sister brand.
• Motorhome Breakdown Cover Roadside and breakdown recovery included with motorhome insurance covering accident, vandalism, fire, theft, flat tyre, fuel, and key-related incidents, with no vehicle size or weight restrictions, plus an optional European repatriation extension.
• Touring Caravan Legal Expenses Cover Optional £100,000 legal expenses add-on for touring caravan policyholders to pursue injury, consumer, and employment claims, including a 24-hour legal helpline, administered by Arc Legal Assistance Ltd.
• Motorhome Legal Expenses Cover £100,000 motor legal expenses cover included on motorhome policies, usable across policyholder's motorhome or car to fund legal proceedings to recover uninsured losses, administered by Arc Legal Assistance Ltd.
• Leisuredays (Sister Brand) Sister brand of Caravan Guard Limited offering static caravan, holiday home, lodge, chalet, and park home insurance under the Leisuredays name, with mutual referrals between the two brands.

Quantifiable outcome

• Up to 50% in discounts for careful owners (touring caravan)
• +3 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature1 record

Partnerships

Five partnerships are on record, tiered core and minor.

• RSA (Royal & Sun Alliance Insurance Ltd)coreOthersRSA is the primary underwriter for Caravan Guard's touring caravan and motorhome insurance policies. RSA handles claims processing and settlement. The partnership provides reinsurance backing and regulatory compliance as a leading UK insurance provider.
• AXA Assistance (UK) LimitedcoreOthersAXA Assistance provides the breakdown assistance services for motorhome insurance policies. Services include roadside assistance, recovery, overnight accommodation, and European breakdown cover. Part of the AXA Group.
• Inter Partner Assistance S.A.coreOthersInter Partner Assistance S.A. is the underwriter for motorhome breakdown cover insurance. Authorized and regulated by the National Bank of Belgium and the Prudential Regulation Authority in the UK.
• Arc Legal Assistance LtdminorOthersArc Legal Assistance provides legal expenses cover options for touring caravan and motorhome insurance policies. Offers 24-hour legal helpline and covers costs for civil claims, personal injury claims, consumer rights, and employment matters.
• LeisuredayscoreOthersLeisuredays is Caravan Guard's sister brand that provides static caravan insurance. Referrals are made between the two brands for static caravan, holiday caravan, lodge and chalet insurance needs.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Direct Line Group: UK direct insurer providing motor, home and ancillary cover including motorhome products. Adjacent competitor with significantly broader portfolio and brand reach; competes on price via aggregator channels.
• NFU Mutual: Large UK mutual insurer providing general insurance including rural, leisure home and caravan products to its membership. Overlaps in leisure and rural customer segments but does not specialize narrowly in motorhomes/touring caravans.
• Aviva: Major UK general insurer offering caravan and motorhome policies as part of a broad personal lines portfolio. Overlapping product offering but does not specialize in the leisure-vehicle niche.
• Howden (formerly Towergate): Large UK insurance broker group with a niche and specialist vehicle division covering caravans and motorhomes. Overlaps via specialist vehicle broking but operates as a broad multi-line broker rather than a pure-play leisure insurer.

Direct peers

• Adrian Flux Insurance: Long-established UK specialist broker offering motorhome, caravan and leisure vehicle policies among a broader niche-vehicle portfolio. Directly comparable specialist broker with similar customer demographic and 7-day advisory service ethos.
• Comfort Insurance: UK specialist insurance provider focused on motorhome, campervan, caravan and static caravan insurance. Highly comparable niche specialist with similar product set, underwriting-broker model and UK D2C distribution.
• Leisuredays: Wholly owned sister brand of Caravan Guard Limited providing static caravan, holiday lodge, chalet, holiday home and park home insurance. Closely comparable by virtue of shared ownership, parent company, customer base overlap and mutual referral model.
• Bennett Christmas Insurance: UK caravan and motorhome insurance specialist offering touring and static policies. Direct competitor in the niche with similar specialization and bespoke underwriting approach.
• Safeguard Insurance: UK specialist insurer focused on touring caravans, motorhomes and statics. Directly comparable product mix and broker/MGA structure serving the same leisure customer base.
• Alan Boswall Insurance Brokers: UK insurance broker specializing in caravan, motorhome and static caravan cover with similar niche positioning. Comparable D2C advisory model with tailored coverage options and long-standing industry presence.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/caravanguard
• YouTubeyoutube.com/channel/UCKcr2MEvKUMRx7I5Z-kJ4qg
• Facebookfacebook.com/caravanguard

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Caravan Guard