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Motorhome insurance additional cover options

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Additional cover for your motorhome

For extra peace of mind, we have a range of additional cover options to ensure all your needs are met:

Legal Protection

If you are involved in an accident that's not your fault and was caused by a known insured third party, we will provide up to £100,000 towards costs for trained claims handlers to recover uninsured losses following an accident in the UK. We will cover claims as long as an independent legal representative believes you can win your case.

Our trained claims handlers seek recovery for any uninsured losses from a third party such as:

  • Travelling expenses
  • Loss of earnings
  • Compensation for personal injury.
With Legal Protection you can also benefit from:
  • Unlimited access to motoring legal advice for you and your immediate family
  • Cover if you need to take legal action, or defend an appeal, against a motor trader in a dispute involving the purchase, servicing, or repair of your vehicle
  • The option of up to four hours driver confidence coaching to help you get back in the driving seat if you have lost your confidence for any reason
  • Up to £10,000 of legal costs in respect of any legal claim to pursue the recovery of illegal clamping or towing fees relating to your vehicle.

Legal Protection comes as standard with our Saga Plus Motorhome Insurance cover level but can also be added to a Saga Select insurance policy at any time, view more information on our motorhome insurance cover levels.

Saga Legal Protection is arranged and administered by Arc Legal Assistance Ltd and underwritten by by AmTrust Europe Limited.

Increased Personal Accident

Regardless of whose fault it is, if you or your named spouse/domestic partner are seriously injured as a result of an accident involving your car, our Comprehensive policies include £5,000 compensation for selected serious injuries as standard.

Increased Personal Accident extends cover for serious injuries or accidental death from £5,000 up to £100,000 per person. Although it’s unlikely you'll ever need to make a claim, if the worst does happen the benefit paid out could be substantial and help to compensate for things like loss of earnings, making adjustments to your home, or even just to help paying for things like taxis to medical appointments.

In addition, this optional extra also includes cover for a wide range of smaller injuries, such as a broken wrist, ankle or nose. Emergency dental treatment is also covered, as is counselling therapy, and you even get £300 if you spend a night in hospital, with £200 for each consecutive night, up to a total of 30.

Family members in your vehicle are also covered, and you and your named spouse/partner are even covered when driving borrowed vehicles.

Examples of the benefits provided under Increased Personal Accident cover:

What's covered Benefit amount
Accidental death £100,000 (£25,000 for a child)
Permanent total disablement £100,000
Loss of limb – one or more £100,000
Loss of sight £100,000
Loss of, or permanent total and irrecoverable loss of use of one hand or one foot £50,000
Total and irrecoverable loss of use of the spleen £7,500
A fractured pelvis £2,000
A fractured collarbone £2,000
Facial scarring £1,500
Third-degree burns £7,500
Counselling therapy Up to £1,000

Increased Personal Accident cover is arranged and administered by Arc Legal Assistance Ltd and underwritten by by AmTrust Europe Limited.

Saga Motorhome Breakdown Assistance

To help keep you on the road, Motorhome Breakdown Assistance can be added to your policy. It offers reliable breakdown cover 24 hours a day, 365 days a year and you can choose the cover that’s right for you from these options:

  • Motorhome Assistance – repair at home or roadside, or recovery of your motorhome, driver and all passengers to your home or garage of your choice within ten miles of your destination
  • Motorhome Assistance Plus – the above plus cover for your motorhome during trips throughout the European Union.

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.

Replacement Car Extension for Theft or Total Loss

Our Comprehensive policies include a replacement car as standard if an approved repairer is repairing your motorhome following an accident in the UK.

For an additional cost you can add Replacement Car Extension to your policy. With this cover we can also offer you a replacement car if yours is stolen or written off - keeping you mobile and giving you time to find and purchase a new vehicle.

We also include a £100 cash benefit, which could help towards things like replacement car delivery costs or pre-purchase vehicle inspections. There are no restrictions on what you choose to spend the money on though; the pay-out is automatic and there’s no need to send in any receipts.

To purchase additional cover, please call our friendly, UK based advisers who will be happy to assist you on 0800 904 7763

Saga Replacement Car Extension is provided by Acromas Insurance Company Limited, which meets our high standards of quality and service.

Key Protection

Key Protection is included with Saga Plus and an optional extra for Saga Select.

We'll cover up to £2,500 per claim and, with us, you even get up to £50 for wear and tear. You won't have to pay an excess and your No Claim Discount won't be affected.

Key Protection covers a wide variety of scenarios, from loss, theft and accidental damage to keys locked inside a car or house, or keys stuck in locks. Our specialist locksmiths are on-hand to help 365 days a year throughout the day and night. They can also cut new keys for you.

We’re also able to arrange overnight accommodation and onward travel if you can't use your vehicle.

Key Protection is underwritten by Alwyn Insurance Company Limited and administerered by Soter Professional Services.

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