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CARAVAN INSURANCE

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Caravan Insurance from Saga

Saga Caravan Insurance offers wide-ranging cover for touring caravans, especially designed for the over 50s.

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New to Saga?

Start your journey with us, get a quote or pick up where you left off. Online or over the phone, we look forward to welcoming you.

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Some great reasons to choose Saga Caravan Insurance

Here are some of the great features that make our caravan insurance an excellent choice…

  • A choice of ‘new for old’ or ‘market value’ cover for your caravan and equipment – you can take out ‘new for old’ cover if your caravan is no more than 15 years old*, or you can opt for ‘market value’ cover and insure it and its equipment for their current second-hand value

  • Vandalism cover – your No Claim Discount won’t be affected following a claim for damage caused by vandals

  • Up to £1,500 cover for contents and personal belongings – based on their market value

  • Loss of use cover – if you have an accident and are unable to use your caravan, you can claim up to £2,625 for emergency accommodation, caravan hire and/or travel expenses to get you home

  • Cover for family and friends – your caravan and equipment is covered when you lend it to family or friends (excluding their personal possessions)

  • Cover in the European Union for an unlimited period – available as an optional extra

  • Discounts and choice of excess available – pay less for your cover with our range of discounts (subject to a minimum premium).

Cover at a glance

Saga Caravan Insurance offers two cover options for your caravan and equipment – new for old cover is available for caravans up to 15 years old* and is based on the new replacement value, while market value cover is based on the current, second-hand value.

Whichever type of cover you choose, in addition to your caravan and equipment, you’ll have cover for all this and more:

Features and benefits Cover limits

Contents and personal belongings

We’ll cover these against accidental damage, fire and theft, based on market value.

Up to £1,500

Recovery and delivery

If your caravan’s immobilised following an accident or incident, we’ll cover the cost of recovering it to the nearest repairer and delivering it to your chosen destination in the UK.

Up to £3,500

Loss of use

If you can’t use your caravan following an accident or incident on holiday in the UK, we’ll provide cover for accommodation, hiring another caravan or travel expenses to get you home.

£175 per day up to 15 days (max £2,625)

Friends and family

If you lend your caravan to friends or family, they’ll have all the same cover as you, except for personal belongings.
Tick

Personal accident

We’ll cover you for certain injuries sustained in an accident involving your caravan

Up to £20,000

Vandalism

Your No Claim Discount won’t be affected following a claim for damage caused by vandals.
Tick

Caravanning in Europe

Choose our optional cover for unlimited trips in the European Union.

Optional Extra

* To qualify for ‘new for old’ cover:

Who are Saga's Caravan Insurance policies underwritten by?

Saga’s range of insurance products are designed specifically for our customers and is unique to us. Saga Caravan Insurance is provided by Acromas Insurance Company Limited who meets our high standards of quality and service.

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Additional cover options

We have a number of options that you can choose to add to your policy to give you even better cover…

European cover

For an additional premium, we can cover you and your caravan in the European Union for any number and length of trips throughout the year. This includes cover for equipment, awnings, contents and your personal belongings.

No Claim Discount protection

If you have the maximum 20% No Claim Discount (NCD) entitlement and you haven’t had an accident or made more than one claim in the last two years, Saga can protect your NCD for a small additional cost.

This means you won’t lose the financial benefit of years of careful caravanning if the unexpected happens and you need to make a claim.

Saga Breakdown Assistance

To help keep you on the road, we offer a 24/7 UK-wide breakdown service at a discounted rate for Saga Caravan Insurance customers.

This reliable service is available for both your car and caravan, including assistance if your caravan has a puncture or flat tyre. With a range of cover levels available, you can choose the cover that's right for you.

  • Essential – Roadside repair, or recovery to the nearest garage plus reimbursement of taxi costs to take you and your passengers up to 20 miles*
  • Home Call – Repair at home or roadside, or recovery to the nearest garage plus reimbursement of taxi costs to take you and your passengers up to 20 miles
  • National Recovery – Roadside repair, or recovery to your home or a garage anywhere in the UK*
  • Comprehensive – Repair at home or roadside, or recovery of your car, caravan, you and your passengers to your home or a garage anywhere in the UK, hire car or overnight accommodation
  • Premier – All the above, plus cover for roadside repair and recovery in 55 countries and territories in Europe, and transport to your holiday departure point if you break down en route and we are unable to fix your car. Plus, if your car breaks down within 24 hours of your planned departure date in the UK, we'll arrange a hire car for up to 14 days so you can proceed with your trip.

* When breakdown occurs at least 1/4 mile from home address.

Who provides Saga's breakdown assistance policies?

Saga's range of insurance products is designed specifically for our customers and is unique to us.

Saga Essential, Home Call and National Recovery Breakdown Assistance is provided by RAC Motoring Services. Saga Comprehensive, Premier, Motorhome Assistance and Motorhome Assistance Plus Breakdown Assistance is provided by RAC Motoring Services and RAC Insurance Limited.

Discounts and excesses

We are pleased to give you the opportunity to take advantage of a range of discounts and other ways to cut the cost of your cover.
Storage discount

When your caravan’s not in use, if you store it at a site that’s been awarded a CaSSOA (Caravan Storage Site Owners’ Association) Gold Award, we’ll give you up to 10% off your premium. If it’s stored at a CaSSOA Silver or Bronze-awarded site, you’ll get up to 5% off.

Security discounts

If any of the following security items are fitted to your caravan, we’ll give you up to 10% off for each item (subject to a minimum premium):

  • Cobra 2111 and 2112
  • Cobra Connex
  • Cobra Trak 5, Trak Q and Trak Q Attivo
  • M-Track
  • Thief Beaters Identification Kit
  • Tyron Wheel Safety Bands
  • Electronic Anti-snaking Control System
  • RAC Trackstar Plus
  • Metis GPS
  • Tracker Monitor
  • Phantom Proactive with movement sensor (Phantom Target is not accepted)
No Claim Discount

If you have four or more years’ No Claim Discount, you’ll automatically get the maximum 20% discount when you switch to Saga.

Save more with your choice of excess

Saga’s standard excess is £50 – this is the amount you contribute towards the cost of a claim. But, with us you can choose to increase this amount and reduce your premium instead.

Please note, your policy is subject to a minimum premium after all discounts have been applied.

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Car insurance

Whether you're looking for a straight forward insurance, or cover that's packed with added extras, our award winning over 50s car insurance has options to suit your needs.

Find out more

Caravan insurance FAQs

Find the answers to some frequently asked questions about Saga Caravan Insurance.
Is my caravan covered whilst I'm towing it?

Yes, accidental loss or damage to your caravan is covered whilst travelling by road, rail or sea. European cover will need to be added to your policy if you want to be covered whilst towing your caravan abroad.

What happens if I have an accident whilst towing my caravan? Is that covered under my car or caravan insurance?

In the event of a claim you will need to contact your insurance provider. We cover accidental damage to your caravan and will advise you what to do, depending on your situation, when you contact the claims team. If there is damage to your car, you will need to report this to your car insurance provider.

What happens if my caravan gets a puncture?

Damage to tyres from punctures, cuts or bursts are not covered. If, however, you have added Saga Breakdown Assistance to your policy, flat tyres are included and can be claimed for under all 5 levels of cover. If you have a separate Saga Breakdown Assistance policy or have it as part of a Saga Car Insurance policy, your caravan will have the same cover as the vehicle towing it as long as it meets the acceptance criteria outlined in the policy booklet.

Are my personal belongings covered?

Yes, we cover accidental loss or damage to your contents and personal belongings up to £1,500.

See all FAQs

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Motorhome insurance

Comprehensive cover for wherever your motorhome adventure takes you, in the UK and throughout Europe. With a range of features as standard, our 3-year fixed price cover and the option to add breakdown assistance too. (T&Cs apply).

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Quicker diagnosis and treatment, and nationwide private hospital options – it’s no wonder customers have chosen us to take care of their health for over 30 years. There’s no upper age limit and you won’t need a medical.

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Home insurance

Saga Plus Home Insurance includes great features as standard – like accidental damage and cover for personal belongings when you’re out and about. And you can spend your time doing other things because your price won't go up for three years, even after most claims (T&Cs apply).