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quoteFinding motorhome insurance when you’re over 70 years of age can be tricky as there are many insurers who won’t provide cover once you reach this age. Caravan Guard, however, can take on new customers under 81 subject to our usual underwriting criteria.
Plus, as long as you take out insurance with us when you are 80 or younger then we can renew your motorhome insurance policy until 85 subject to a good claims record.
If you have any medical conditions that should be notified to the DVLA make sure you do so. Then providing the DVLA have granted a licence we will insure motorhome owners at our normal terms. It’s also up to the owner to make sure they have a suitable licence for the size and weight of motorhome they plan to drive.
As owners reach their later 70s and get into their 80s owners can expect to pay a little more for their motorhome insurance, but we do our best to offset this by offering some large discounts for a claim-free driving record and some excellent discounts for security. Not to mention lower rates for low mileage.
If you have more than one driver on your motorhome, note that if the policyholder is the main user of the motorhome we will rate our insurance premium based on the age of the policyholder, however, if the policyholder is not the main user it will rate on the youngest of either the policyholder or the main user.
Our Marketing Director, Craig Thompson commented, “We appreciate that thousands of motorhome owners in the UK are aged 75 and above and it’s obvious that people of this age still want to travel the UK and Europe in their motorhome. That’s why we feel it only right that we can offer cover to owners under 81 and then let them enjoy benefits of our policy until the age of 85. These drivers have a lot of driving experience and in many cases enjoy the savings created by our maximum no claims discount.”
Many motorhome customers over 70 like to take regular trips to Europe in their motorhome as part of enjoying their retirement, and as such we offer up to eight months European cover and European Breakdown as optional extras.
Equally, if you don’t plan on taking your motorhome to Europe and will be sticking to the UK then make sure you aren’t paying for European cover unnecessarily. With Caravan Guard, European cover can be added on at any time during the year, so if you’re unlikely to be travelling abroad then you can leave it off, but still have the option to add the cover if you change your mind.
Plus, because we use a specialist recovery company with no size or weight restrictions, who have a network spanning the whole of Europe, you can be safe in the knowledge that if you do run into trouble then you’ll be looked after properly.
Please note however that personal accident cover under the policy is only available up to the age of 75.
For more information on the range of features and benefits that Caravan Guard’s motorhome insurance policy offers then visit our motorhome insurance page.
This is the second year that I can remember when I do annual search for Insurance renewal that I could not find any cheaper. Hope you continue without excessive annual increases, that is why I search for better price every year in the past. I will stay with you as long as your loyal customers are treated with respect.
In a few days’ time I will be 77 years old fully healthy and driving a Motor Home frequently in France & Spain. Just renewed my M.H. insurance with Caravan Guard after extensive searches (about 6 hours) on internet with the usual providers “go compare ect”. Have found that C.G. have the lowest premium I could find £21 cheaper than the nearest quote majority of the quotes were at least £100 higher than C.G. I hope that C.G. continue to provide insurance to us senior citizens who are in good health. The driving standards of a lot of youngsters is increasingly appalling and they are causing the premium to annually rise why do us older drivers like me of 60 years driving experience without serious R.T. incidents have to pay for these irresponsible youngsters. About time the insurance providers gave the older generation more credit for there driving experience and the fact that 60 years premium profits have been earned off of a lot of the older generation. My lifetime of driving has earned the insurance companies the average equivalent of approximately £24000 in premiums. Please keep insuring us older drivers at favourable price premiums.
We’re pleased to have continued to insure you at a reasonable price Alan.
I will be interested in what your under say as I am 75 now and have been insured with you for over ten years, at first with Caravans and now on my third motorhome.
Hi Tony
If you stick with us, we could insure you until your 89th birthday.
Thanks to Phyllis for drawing our attention to that importamnt paragraph re over 75s.
Quoting the 2nd paragraph: “Plus, as long as you take out insurance with us when you are 80 or younger then we can renew your motorhome insurance policy until 89 subject to a good claims record.”
This is a bit of an anomaly – you will get insurance up to 89 but do not get covered for personal accident!
I am not sure that it is standard practice across the industry as I am aware that some insurance companies will cover you over 75. I wonder how Which would view this.
In an age when retirement age has now crossed the 70 barrier, I wonder how employers get on with insuring their employees?
Regards
Hi Phyllis,
unfortunately not offering personal accident cover to over 75s is pretty standard practice across the industry. We are however in the process of relaunching our motorhome policy with some new benefits and the point you raise is already being discussed!
In the meantime I’ll refer your query to our underwriters RSA (Royal & SunAlliance Insurance PLC) and update you as and when I have more information.
If you want any more info please feel free to email us directly at [email protected]
best regards,
Neil
Caravan Guard
I do not understand your penultimate paragraph – no personal accident cover after age 75. I thought your insurance was aimed at the older driver. Does this mean that you will replace or whatever!!! the motorhome if in an accident but not pay for iny personal injuries?
Hi Cyril,
unfortunately we can’t offer quotes for people aged over 81. For existing customers who come to Caravan Guard before their 81st birthday we can then renew their policy up until they are 89 (subject to claims etc), but unfortunately this isn’t much help to you.
If you are currently insured elsewhere then our advice would be to stay put, or perhaps give Saga a try.
Sorry we couldn’t help further, if you have any more questions though please feel free to get in touch on here or by email using the contact form.
best regards,
Neil
Caravan Guard
I am now just 82 do you have any options available?