Frequently Asked Questions

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.

Is my son/daughter covered if they are towing the caravan?

Yes, lending your caravan to friends and family is covered on both levels, market value and new for old. They will receive the same cover as you do, except for their personal belongings which they will need to cover themselves separately.

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.

If I cause damage to another vehicle with my caravan, will this be covered by my caravan policy?

If your caravan causes damage to another vehicle whilst it is being towed, you will need to contact your car insurance provider about the claim as this is not covered by your caravan policy. You are, however, covered if your caravan causes damage to others/other people’s property while the caravan is not being towed.

Am I covered for damp in my caravan?

Unfortunately, damp within the caravan would be classed as wear and tear and therefore would not be covered.

Is storm damage covered?

Yes, storms, floods and natural causes are covered under the accidental damage section of the policy.

Are legal expenses covered on the policy?

Legal cover is not available as an optional extra. There is cover for legal liability, included as standard on your policy, which will cover damage caused by your caravan to a third party or to third party property whilst it is not being towed.

Is my caravan covered if I live in it permanently?

No – Saga will only cover caravans that are used solely for touring.