We've reviewed the touring caravan insurance from Saga, specifically designed for people aged over 50. It comes 5-star Defaqto-rated. Here's what's included.
If you’re the owner of a touring caravan, you’ll want to ensure it’s properly protected whether it is being towed or being stored. Saga offers the options of new-for-old cover or market-value cover. Plus, it offers a 5% discount if you buy its 5-star Defaqto-rated caravan policy online. Here’s what else we think you should know about this specialist insurer for people aged over 50.
Who is Saga?
Saga originally focused on travel for over-50s and then branched out to offer travel, home and car insurance, and other financial services, in the 1980s.
The company has more than 65 years of experience and is a leading insurer for the over-50s, winning accolades for both cover and service.
The caravan insurance from Saga is underwritten by Acromas Insurance Company Ltd.
Saga Services Ltd is authorised and regulated by the Financial Conduct Authority.
What types of caravan insurance are available?
Touring caravan insurance. This is relevant for anyone towing a caravan on the roads for leisure. This is not a legal requirement but worth considering to keep a caravan protected whilst being towed. Saga can only offer insurance to owners of touring caravans that are towed to different locations during the policy term rather than touring caravans that are permanently based at one site.
What is covered under my Saga caravan policy?
Some of the features and benefits to Saga’s touring caravan policy include:
New-for-old cover option for caravans up to 15 years old or market-value cover
Vandalism cover
Contents and personal belongings cover up to £1,500
Family and friends use (excluding personal belongings)
Loss-of-use cover for emergency accommodation, caravan hire and travel expenses of £175 per day up to 15 days
Storm, flood and natural causes cover
Accidental damage or loss cover
Legal cover
Personal accident cover up to £20,000
Recovery and delivery costs up to £3,500
Check your policy details carefully to ensure you have the right cover for your needs.
Optional extras
Saga offers extras you can bolt onto your caravan policy, including:
Unlimited European cover
No-claims discount protection
Breakdown assistance
General exclusions
Saga has some general exclusions that apply:
When your caravan is being used for a purpose not included under your policy
If you permanently live in your caravan
If you rent or lease your caravan to others for hire or reward
Mechanical or electrical breakdown
Depreciation of your caravan
General wear and tear
Manufacturing defects
Rust, corrosion or any gradual deterioration
Check your policy for further details to confirm your cover is valid.
How to save on your caravan insurance policy with Saga?
Increase security. Fit security alarms and immobilisers to deter thieves. Fitting a tracking device may also be a good idea.
Increase the excess. Agreeing to pay a bigger voluntary excess could make your overall premium cheaper. But remember that your insurer won’t pay out for a claim that costs less than your excess. So be careful about making it too high, as it could leave you out of pocket if damage occurs.
Increase safety. Installing devices such as electronic anti-snaking devices, axle wheel locks to the caravan chassis or tyre pressure monitoring systems to caravan tyres, could result in additional discounts.
Join a club. Savings could be made by becoming a member of a national or regional caravan owners’ club or association.
Buy online. Saga offers customers a 5% discount for purchasing its caravan insurance online.
Check the discounts. Saga has a range of discounts that could apply to your premium so it’s worth checking.
What is my excess?
Your insurance excess is the amount of money you have to pay towards a claim. Your insurer won’t pay out for a claim that costs less than this amount.
A voluntary excess is normally an amount set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess, which could in turn reduce your premium.
Meanwhile, a compulsory excess amount might vary depending on the age and standard of your caravan or your driving experience.
Saga’s standard excess is £50, which can be increased in order to reduce the premium.
You’ll find details about any compulsory or voluntary excesses in your policy document.
What is the claims process for Saga?
You can call the Saga claims line on 0800 027 1339 to make a claim. This 24-hour claims line is open seven days a week.
You’ll need to have your insurance policy details as well as all facts about any incident to hand.
It’s important that you let your insurer know about an incident as soon as possible, even if it’s not your fault. A delay in reporting an incident or failure to report it could result in a rejected claim later on.
Frequently asked questions
Yes. If you wish, Saga policies can start instantly.
A quote from Saga is only guaranteed on the day it is provided.
Yes, Saga offers policies that can be paid in full or by monthly direct debit payments.
No. Saga only offers annual touring caravan insurance policies.
The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
Liz Edwards has been a consumer writer and editor for more than 20 years. She led award-winning teams at the campaigning publisher Which?, and has covered a range of consumer rights and personal finance topics including pensions, credit, banking and insurance. Liz has appeared frequently in national media such as The Sun, Metro, HuffPost and The Independent. She loves to cut through waffle to give consumers the real lowdown. And she loves puns. See full bio
Liz's expertise
Liz has written 91 Finder guides across topics including:
Compare The Insurance Emporium caravan insurance policies and see what’s covered. The Insurance Emporium offers both touring and static caravan policies.
Compare and review The Camping and Caravanning Club caravan insurance and find out if it offers the right policy for you. See if it provides cover that will suit you.
Compare Towergate Insurance caravan insurance policies and find out what’s covered. The specialist covers both static and touring caravans.
Advertiser disclosure
Finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which Finder receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. Finder compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
How likely would you be to recommend Finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
