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Subject Topic: Caravan Insurance Renewal during Lockdown Post Reply Post New Topic
07/5/2020 at 11:07pm
 Location: Criccieth Gwynedd
 Outfit: Buccaneer Commodore
View Tim and Cary's Profile View Profile   Reply to Tim and Cary Reply   Quote Tim and Cary Quote  
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I have insured our 2007 Bailey Senator Arizona caravan with Saga for a number of years, mainly because of their New for Old policy for 'vans up to 15 years old. The Saga NfO policy includes a condition that the 'van is serviced by a NCC Approved Workshop annually. I have complied with this requirement using an NCC approved mobile workshop. The caravan is stored in a specially designed area in our large front garden in a very low risk area.

However when my renewal documents, renewal is due on 29th May, arrived it still included the annual servicing condition. I queried the servicing requirement with Saga as it was not possible to comply with it. I was advised that, on an individual basis. the Saga underwriters were varying this condition. I subsequently received revised renewal documents with the following additional condition.

"CS99 Due to the current COVID-19 lockdown YOU are not required to comply with the Servicing Condition of YOUR CARAVAN until YOUR next renewal date 29/05/2021 and YOU will be allowed 30 days from that date to comply"

Whilst welcoming this reasonable variation I, also, asked if Saga were not offering any reduction in the premium as the caravan cannot be used in the near future due to the lockdown and indeed has been unusable for the last 6+ weeks. The renewal premium has risen from 247.63 last year to 253.61 I was, however advised by the Saga operative that Saga were not offering any premium reduction as they were still insuring our 'van against other risks such as fire. However, I feel that the risk to the 'van is considerably less whilst it cannot be used.

Have anyone else been offered reduced insurance premiums because of the current situation? I will certainly been looking at other insurers if Saga remain intransigent on this issue.

I'd be interested to hear of others in a similar situation or relevant comments in general


Tim & Cary


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Tim and Cary


08/5/2020 at 12:44am
 Location: Lichfield
 Outfit: Coachman Amara 450
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My car is locked away and secured in a lock up garage till the lockdown has been lifted but won't get a reduction on my car insurance just because I'm using it less so why would it make any difference with a caravan?
There is still a risk of caravan theft as well as fire but in the event of a claim you wouldn't expect the insurance to pay out less than the current value because you had a reduction in the premium.


08/5/2020 at 9:17am
 Location: None Entered
 Outfit: Coachman Festival
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Quote: Originally posted by tango55 on 08/5/2020
My car is locked away and secured in a lock up garage till the lockdown has been lifted but won't get a reduction on my car insurance just because I'm using it less so why would it make any difference with a caravan?
There is still a risk of caravan theft as well as fire but in the event of a claim you wouldn't expect the insurance to pay out less than the current value because you had a reduction in the premium.



While we were abroad last year for a couple of months, with our car locked in our garage at home, we were given a reduction on insurance on the condition it would not be used on the road. Surely, if yours is locked away for the duration of the lockdown, there is a possibility of a similar arrangement. Unless of course you are keeping it insured for road use just in case it is needed.


08/5/2020 at 9:39am
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Quote: Originally posted by tango55 on 08/5/2020
My car is locked away and secured in a lock up garage till the lockdown has been lifted but won't get a reduction on my car insurance just because I'm using it less so why would it make any difference with a caravan?
There is still a risk of caravan theft as well as fire but in the event of a claim you wouldn't expect the insurance to pay out less than the current value because you had a reduction in the premium.





The Admiral Group insurers are giving a 25 refund, nice that I recently changed to Admiral.

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XVI yes?

As well is two words!
How does a sage know everything about everything? or does he? or does he just think he does?
Remember, if you buy something you bought it, not brought it.


08/5/2020 at 7:42pm
 Location: North Norfolk
 Outfit:  Bailey Olympus
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Mine is due next month, its in CaSSOA gold storage at the moment. I'll certainly be using the argument that I cant use it, if that's still the case for us, when I get my renewal or I will shop around. Sure they are still insuring it but the biggest part of the risk is mitigated while it sits in secure storage rather than being towed around and being used.

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Just saying
If all is not lost where is it then?


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09/5/2020 at 12:57pm
 Location: Criccieth Gwynedd
 Outfit: Buccaneer Commodore
View Tim and Cary's Profile View Profile   Reply to Tim and Cary Reply   Quote Tim and Cary Quote  
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Quote: Originally posted by Acornis on 08/5/2020
Mine is due next month, its in CaSSOA gold storage at the moment. I'll certainly be using the argument that I cant use it, if that's still the case for us, when I get my renewal or I will shop around. Sure they are still insuring it but the biggest part of the risk is mitigated while it sits in secure storage rather than being towed around and being used.




I agree Acornis. I am currently shopping around for quotes and then I will be going back to Saga to "haggle"


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Tim and Cary


10/5/2020 at 7:11am
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I have had a similar response from Caravan Guard. They too have refused to reduce the premium.

My caravan is locked away at home in a very secure location, so I have decided to let the insurance lapse until we are ready to use it again.

Insurance premiums are supposed to reflect the risk, but it seems Caravan insurance companies are happy to make increased profits during this unfortunate situation we are all facing.

Shame on them.




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