  We calculate the ratios $E2/M1$ and $C2/M1$ of the multipole amplitudes for
electroproduction of the $\Delta$(1232) in the range of photon virtuality
$0<-K^2<1$~GeV$^2$ in a chiral chromodielectric model and a linear
$\sigma$-model. We find that relatively large experimental values can be
explained in terms of the pion contribution alone; the contribution arising
from d-state quark admixture remains below 10\%. We describe the pion cloud as
a coherent state and use spin and isospin projection to obtain the physical
nucleon and the $\Delta$. The $A_{1/2}$ and $A_{3/2}$ amplitudes are reasonably
well reproduced in the $\sigma$-model; in the chromodielectric model, however,
they are a factor of two too small.
