Saga caravan insurance review

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.

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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.

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.

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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

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