Saga caravan insurance: Summer holidaymakers should protect themselves

29 April 2009 / by Rachael Stiles
Saga is urging those opting for a caravan holiday this year to make sure they are fully protected with caravan insurance before they set off.

Having found that a third of over 50s intend to take a caravan holiday this year, Saga advises them to check that their caravan insurance offers them adequate cover.

As the credit crunch encroaches on household incomes and limits the amount of money people have to hand for costly holidays, a growing number of Britons are opting to stay in the UK for their holiday this summer.

Caravan sales are up 10 to 15 per cent as more people opt for a domestic holiday, but Saga warns those caravanners who assume that their mobile holiday home will be automatically be covered by their home or car insurance policy that this is not the case.

People can end up out of pocket, the over 50s financial services provider highlights, as novice caravanners wrongly think that they will be covered for theft and damage by their existing policies, and that they do not require separate caravan insurance.

While car insurance will protect against third party damagers caused by the caravan, it will not cover any damage to the caravan itself, Saga said.

And it’s not just the caravan that is at risk without adequate protection, the insurer adds, but also its contents. Some items, such as cameras, might be covered by a home insurance policy, but other items, once removed from the home, such as laptops, stereos, televisions, and computer game consoles, are unlikely to be protected without caravan insurance.

"It is important that caravan owners fully understand what their insurance policies cover," said Andrew Goodsell, chief executive of Saga Group. "Separate caravan insurance is vital when using your caravan, and ensures that even if the holiday takes a turn for the worst, you won't be left out of pocket."

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