Compare Caravan Insurance For Seniors

Caravan Insurance Guide for Over 60s,70s and 80s

Like health insurance, the cost to get insured tends to rise as you reach your senior years. With some provides even imposing an upper age limit. Others will only continue to insure you if you have been an existing policyholder. It is important to-do upfront research on any age limits before deciding an insurance provider and choose one that you are happy with and will also continue to provide cover as you reach more senior years. 

We have partnered with QuoteZone who have a panel of caravan providers that can provide quotes for senior.  You can compare over 80 caravan insurance providers easily than ever by submitting your requirements to this select panel of caravan insurance specialists. 

Demand for Senior Insurance on the Increase in the UK

Thanks to healthier lifestyles and advancements in medicine, people are living longer. According to the Government Office for Science, “By 2040, nearly one in seven people is projected to be aged over 75.” The over-60s, 70s, and 80s represent a growing demographic in the lifestyle insurance sector, with increasing demand for insurance tailored to their leisure activities.

To meet this demand, a growing number of providers now offer motorhome insurance for those over 80, alongside car insurance for over 80s, eligibility may depend on passing a medical screening.

Does Caravan insurance cost more for drivers over 60 or over 70 and beyond?

For most people, insurance costs tend to decrease as they get older. However, once you reach 70, you may notice premiums starting to rise. This is particularly true for insurance products like car and motorhome insurance, which depend to some degree on physical abilities and acuity.

On the other hand, home and caravan insurance for those over 80 often becomes more affordable. This is because the risk to insurers is lower, supported by empirical evidence showing fewer and smaller claims from older age groups. Retired seniors typically spend more time at home or in their caravans and tend to be more security-conscious. These factors contribute to a reduced risk of break-ins and claims.

As a result, you can expect caravan insurance premiums to decrease as you reach key milestones in life, such as turning 50, 60, 70, or 80 and beyond.

Does Car insurance cost more for drivers over 80?

Again, the cost of car insurance will reduce as you get older and keep a good history of no claims, but it will start to increase as you reach 70 and above. It is always best to get comparative quotes for car insurance if over 80 or indeed any age. This will enable to compare a range of car insurance providers and help you get a better deal. It may also be beneficial to look at providers like carrot car insurance, who have policies that are based on proving that you are a safe driver. In order to take advantage of a carrot safe driving policy, the driver must install a black box. 

Cutting costs for over 80s Caravan insurance

However, you can take steps to control the price of insurance as you get on in years.

• Downgrade to small cheaper caravan
• Choose a pay as you go policy or even consider temporary motorhome insurance, just insure as needed
• Only add extras if you need them, example windscreen cover may be purchased cheaper direct outside a motorhome policy.
• Make sure you have installed security devices to deter theft
• Provide safe off-road parking

Who provides Senior Caravan Insurance?

Please refer to the table below. Note that some providers will only offer coverage to those over 80 if you already have an existing policy with them. As mentioned earlier, it’s a good idea to research and choose a provider in advance—before you turn 80—to ensure they will continue to provide coverage for you in your 80s and beyond.

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Provider	Min Age	Max Age
Adrian Flux	17	No max
HiC (Herts Insurance Company)	17	No max
Be Wiser Insurance	21	No max
Camping & Caravanning Club Members	25	80
Caravan Guard	35	80
Saga	policyholder: 50+, Named Drivers: 30+	No Max
Caravan & Motorhome Club (CMC)	25	No Max