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The SGIC Caravan and Trailer Insurance Premium, Excess & Discounts Guide forms part of the SGIC Caravan and Trailer Insurance Product Disclosure Statement and Policy Booklet (PDS) Edition 1, dated 22 December 2008 (see inside back cover).
Caravan Insurance Premium, Excess, Discounts & Benefits Guide (PDF) effective for all policies taken out and renewing from 2 November 2009.
For the complete list of guides, please find them at the bottom of this page or go to the Premium, Excess, Discounts & Benefits guide section 
We offer the following discounts that you may be entitled to:
- No Claim Bonus Discount
- Multi-Policy Discount
The way in which the discounts are applied to your premium is set out in the How we work out your premium section of this guide.
No Claim Bonus Discount
A No Claim Bonus is a reward for a good insurance record. We reward you with a reduced premium, based on the number of years of claim-free insurance.
You may be entitled to a No Claim Bonus, depending on the number and type of caravan or trailer claims you have made.
| The No Claim Bonus levels are: |
|---|
| 60% |
| 50% |
| 40% |
| 30% |
| 20% |
| 0% |
How does No Claim Bonus work?
Each year at renewal, you automatically move up to the next level of No Claim Bonus if you do not make a claim in that policy year.
If you make a claim for something that is not your fault and you can provide the name and residential address of a person that we agree is responsible, your No Claim Bonus will not be affected.
Otherwise, if you do make a claim in a policy year, you will move down two levels of No Claim Bonus on renewal, unless you have chosen to protect your No Claim Bonus by paying an additional premium.
The way in which your No Claim Bonus Discount is applied to your premium is set out in the How we work out your premium section of this guide.
What is No Claim Bonus protection?
You can pay additional premium to protect your No Claim Bonus. If you have chosen to protect your No Claim Bonus it will not be affected for any claims you make in that policy year.
Multi-Policy Discount
A Multi-Policy Discount rewards you for holding multiple SGIC Insurance policies.
See if you qualify for a Multi-Policy Discount:‡
Discount
How to qualify
Multi-Policy Discount Save 10% On your Caravan or Trailer Insurance and your Motor, Home, Landlord and Boat Insurance. |
Hold the following: Motor Insurance |
To receive the Multi-Policy Discount, the qualifying products must:
- be current; and
- have at least one common insured named on each policy.
On existing policies the discount applies from the date of next renewal after you qualify.
The way in which your Multi-Policy Discount is applied to your premium is set out in the How we work out your premium section.
‡ Business Insurance, Farm Insurance and Veteran, Vintage and Classic Vehicle Insurance Policies do not entitle you to a Multi-Policy Discount
If there is anything you don't understand about this SGIC Caravan and Trailer Insurance Premium, Excess & Discounts guide, please call us on 133 233 or visit your local office.
Print or download this guide
SGIC Caravan and Trailer Insurance Premium, Excess, Discounts & Helpline Benefits Guide (PDF) effective for all policies taken out and renewing from 2 November 2009.
