Category Archives for Insurance Reviews

Saga Motorhome insurance over 50 Review

Saga Motorhome Insurance Over 50 - Reviewed

Saga Caravan insurance was created to cover those adventurers over the age of 50 that love to travel. Saga has been serving the older portion of the public with financial coverage for 65 years. The policies issued by Saga are underwritten by Acromas Insurance Company Limited. Saga is registered insurance company that offer policies tailored to the over 50's. This is in similar to Caravan Club Insurance and Towergare Caravan Insurance and in contrast to Tesco Static Caravan Insurance who only offer a comparative service similar to Go Compare.

What type of Caravan insurance policies does Saga issue?

Saga only issues policies for caravans that are towed to multiple places over the course of the year. Touring caravans that are set up to stay in just one location or static caravans are not covered by Saga caravan insurance.

What is covered with Saga touring Motorhome insurance policy?

  • New for Old using current market value of the caravan for those units 15 years or newer. There must also be a record kept for the annual servicing of the caravan which is required. 
  • Protection against vandalism. If a claim is made your No Claim Discount will still be valid.
  • Damage from storms, flooding and any other natural cause is covered.
  • Loss or damage to contents and personal items in the caravan is covered up to £1,500.
  • Legal costs are covered but no upper limit is mentioned.
  • Loss of use is protected with up to £2625 protection that can be used to cover the cost of emergency accommodation, travel expenses and the renting of an alternative caravan when yours is damaged in an accident and cannot be used. The daily limit is £175 for a period of time up to 15 consecutive days. 
  • Personal accident coverage is up to £20,000.
    There is recovery and delivery protection of up to £3,500 if your caravan is broken down or involved in an accident.

What extras that Saga Caravan insurance offers that many others do not?


  • 1
    You can lend out your caravan to friends and family and the caravan will be covered. The only part that will be excluded in the policy is the personal items coverage.

  • 2
    The touring caravan is covered for your travels in the European Union. This coverage has no time or mileage limit. This item is extra coverage that can be taken out.

Summary

Saga Touring caravan insurance is designed to take care of the needs and address concerns of owners over the age of 50. Because of the age of policy holders, agents are used to dealing with health issues by clients and know how to properly handle them to make sure coverage is maintained.

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Towergate caravan insurance reviewed

Towergate Caravan Insurance - Reviewed

The Towergate caravan insurance is one of many types of coverage this company offers which is based out of London. They have been processing policies since 1997 and have acquired more than 300 specialty insurance companies. While they do have an insurance broker department, for static and touring caravans along with trailer tents and park homes the policies will be underwritten by the Towergate Underwriting Group Ltd. This is in contrast to the Caravan Club who specialise in caravan insurance. 

Why Towergate is considered specialty insurance?

This is an insurance company that handles the high risk situations many people face that other insurance brokers will not handle. This type of situation or condition can include the caravan being parked on a flood plain, located in a high risk location or the construction of the caravan is considered high risk to name a few. If you are having trouble finding coverage for your caravan, Towergate should be able to issue you a policy. They offer both static caravan insuranec and touring caravan insurance and the policies whilst similar do have difference as we have highlighted below.

What does the Towergate Static Caravan policy cover?

  • Public liability protection
  • Protection in case of fire damage
  • Protection if personal items stolen
  • Protection if damage is cause by a flood, storm or by accidental event
  • Old for new for caravans up to 20 years old

What does the Towergate Touring Carav​​​​an policy cover?

  • Damage to caravan while being transported is covered
  • Public liability protection
  • Protection in case of fire damage
  • Protection if the caravan is stolen
  • Protection if damage is cause by a flood or storm
  • All family members are covered with this policy
  • Old for new for caravans up to 20 years old

Extras that towergate touring caravan insurance policies covers

  • There is financial protection when touring in Europe.
  • Legal costs are covered in case a law suit is filed against you for some reason
  • There is also protection in case your keys get lost or stolen and your no claims bonus is also protected.
  • The caravan is also financially protected when parked in case of an accident

What should be noted is that no type of caravan insurance is required by UK law. Towed caravans include touring and tents are generally covered by the tow vehicles policy and are generally only third part insurance coverage. What is required by most caravan parks is public liability coverage which is included in Towergate insurance policies. What is not covered is damage inflicted upon the caravan by the owner or anyone they rent the caravan too.

Each Towergate policy cost is determined by the risk factors. They suggest that to lower your premiums you should have adequate security measures in place against theft.

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Tesco Caravan Insurance Review

Tesco Static Caravan Insurance - Reviewed

In this Tesco caravan insurance review is just what you can expect when you are looking for financial protection for your static, tow or mobile caravan. What should be noted is that under UK law caravan insurance is only required if the caravan is motorised. Insurance for static and tow models provide peace of mind for the owner if an accident occurs so they will be financially covered. Insurance will protect you against damage, but you also need to keep your caravan maintained.

What are the different categories of Tesco caravan insurance?

  • Touring caravan insurance is for any motorized caravan that can travel on the road of the UK. UK law requires insurance on the vehicle even if it is being stored.
  • Motorhome insurance is for a large motorized vehicle that people take holiday in which has berths. UK law requires insurance on the vehicle even if it is being stored.
  • Static caravan insurance is for a caravan that only has wheels and not a motor and is used as a holiday or 2nd home. This type is generally pulled by a car or truck when in transit. For some towing vehicle insurance policies, the vehicles in tow might be covered with Third Party only insurance. Static caravan insurance will provide cover specific to your individual requirements.
  • Trailer tent and camper tow vehicle insurance financially protects the smaller non-motorized campers that are hitched to the back of a truck or car. For some towing vehicle insurance policies, the vehicles in tow might be covered with Third Party only insurance.

What are the different types of Tesco Caravan Insurance?

  • Third Party Only Insurance covers the repairs to the other vehicle and medical bills for its occupants when you are at fault in an accident. This type is the minimal coverage required by UK law.
  • Third Party Fire and Theft Insurance is the same as above but with the additional protection for you vehicle if it is damaged by a fire or is stolen.
  • Comprehensive Insurance is all the above plus financial protection for repairs on your vehicle and medical bills you might incur in an accident. Additional coverage can be added to protect the caravan interior contents, interior equipment, public liability, windshield replacement, mainland European coverage and public liability.

What needs to be noted is that Tesco is an insurance company that has many types of policies. With their caravan insurance they are just the broker and offer the comparison of static caravan insurance and other types of insurance. Like any comparative site it is for you to choose the policy that fits your needs and budget. Tesco provides comparative quotes for a range of caravans and campervans including classic campervans and imported American motorhome insurance

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