  Optical and near-infrared light curves of the Type IIn supernova 1999el in
NGC 6951 are presented. A period of 220 days (416 days in the near-infrared) is
covered from the first observation obtained a few days before maximum light.
Spectroscopic observations are also discussed. Using as a distance calibrator
the Type Ia SN 2000E, which occurred some months later in the same galaxy, and
fitting a blackbody law to the photometric data we obtain a maximum bolometric
luminosity for SN 1999el of $\sim 10^{44}$ erg s$^{-1}$. In general, the
photometric properties of SN 1999el are very similar to those of SN 1998S, a
bright and well studied Type IIn SN, showing a fast decline in all observed
bands similar to those of Type II-L SNe. The differences with SN 1998S are
analyzed and ascribed to the differences in a pre-existing circumstellar
envelope in which dust was already present at the moment of the SN outburst. We
infer that light echoes may play a possibly significant role in affecting the
observed properties of the light curves, although improved theoretical models
are needed to account for the data. We conclude that mass loss in the
progenitor RG stars is episodic and occurs in an asymmetric way. This implies
that collapsing massive stars appear as normal Type II SN if this occurs far
from major mass loss episodes, whereas they appear as Type IIn SNe if a large
mass loss episode is in progress.
