← State of Embedded Finance 2026

The Caravan and Motorhome Club

Can a century-old touring membership club become the go-to financial services and lifestyle platform for the UK's 1 million caravan and motorhome owners?

Founded1907
HQEast Grinstead, West Sussex, United Kingdom
IndustryVertical SaaS / Travel & Leisure Membership
The story

Founded in 1907 as a pure membership club for caravanners, the Caravan and Motorhome Club has evolved into a ~£110M turnover organisation operating the UK's largest privately-owned campsite network alongside a growing suite of embedded financial services including caravan/motorhome/campervan insurance, breakdown cover, travel insurance, and credit-regulated products. The club holds direct FCA authorisation (no. 311890) for general insurance and credit activities, enabling it to distribute financial products to its ~1 million member base without relying solely on appointed representative status. The financial services portfolio is primarily insurance-led, distributed as white-label or partnership products, with GoCardless powering Direct Debit membership subscription collection and Worldpay handling card payment acquisition for campsite bookings and shop purchases.

Last 12 months
2025-03
2026-03
Product timeline
1907
Founded as The Caravan Club, a membership organisation for caravanners in the UK.· pivot
2022
Operating as Caravan and Motorhome Club with ~£100M turnover, operating UK's largest privately-owned campsite network and offering insurance, breakdown cover, and travel products.· banking
2025
Transitioned over 1,100 employee pension scheme members to Standard Life Group Flexible Retirement Plan following competitive RfP process.· acquisition
2026
Launched refreshed Red Pennant Travel Insurance product for UK and European touring holidays, developed in partnership with PJ Hayman.· insurance
Regulated entities
FCA Authorisation (general insurance and credit activities)
UK FCA
The Caravan Club Ltd
The stack
Payments / PSP
Worldpay
Open banking
Gocardless
Accounting gap: minor