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ASDA caravan insurance review

We've checked out ASDA caravan insurance, which is provided through an established broker. We've highlighted what you need to know about this cover.

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Liz Edwards

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If you own a caravan, you’ll want the right protection for your investment. ASDA claims that it can source some of the cheapest quotes around for caravan insurance.

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Who is ASDA?

Established in Yorkshire in the 1960s, the brand is best known for its supermarkets but, through its ASDA Money division, also offers a range of credit cards, personal loans and travel money, and insurance for caravans, cars, homes, pets and travel.

The specialist caravan insurance available through ASDA caters for touring and static caravans as well as trailer tent or folding campers.

ASDA Caravan Insurance is a trading style of ASDA Financial Services Ltd and ASDA Stores Ltd but all its caravan insurance policies are provided by Adrian Flux Insurance Services.

What types of caravan insurance are available?

  • Static caravan insurance
  • Touring caravan insurance
  • Trailer tent and folding caravan insurance

What is covered under my ASDA caravan policy?

Some of the features and benefits to the ASDA caravan policy include:

  • Legal expenses cover
  • European cover up to 120 days (for touring caravans)
  • Public liability cover up to £1 million
  • Weather damage to awnings cover

Beyond the standard cover benefits above, any other benefits to your caravan insurance policy will vary depending on the insurer that is able to provide the cover through ASDA.

Check your policy details carefully to ensure you have the right cover for your needs.

Optional extras

ASDA offers the following extras that can be bolted onto a caravan policy:

  • Breakdown cover
  • Key cover
  • Gadget cover
  • Hire and reward lettings cover (for static caravans)
  • Caravan and contents cover
  • New for old insurance
  • Market value insurance

General exclusions

ASDA has some general exclusions that apply to its caravan insurance:

  • When your caravan is being used for a purpose not included under your policy
  • General wear and tear
  • Rust, corrosion rot or any gradual deterioration
  • Mechanical faults
  • Deliberate or criminal acts
  • Any loss or damage that occurred before the policy start date
  • Any loss or damage caused by pets

Check your policy for further details to confirm your cover is valid.

How to save on your caravan insurance policy with ASDA

  • Increase security. Fitting security alarms, immobilisers, tracking devices or cameras could be a good way to deter thieves.
  • Increase the excess. Agreeing to pay a bigger voluntary excess could make your overall premium cheaper. But remember that your insurer won’t pay out for a claim that costs less than your excess. So be careful about making it too high, as it could leave you out of pocket if damage occurs.
  • Increase safety. Installing devices such as electronic anti-snaking devices, axle wheel locks to the caravan chassis or tyre pressure monitoring systems to caravan tyres, could result in additional discounts.
  • Join a club. Savings could be made by becoming a member of a camping, touring or caravanning club.

What is my excess?

Your insurance excess is the amount of money you have to pay towards a claim. Your insurer won’t pay out for a claim that costs less than this amount.

A voluntary excess is normally an amount set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess, which could in turn reduce your premium.

Meanwhile, a compulsory excess amount might vary depending on the age and standard of your caravan or your driving experience.

You’ll find details about any compulsory or voluntary excesses in your policy document.

What is the claims process for ASDA?

In order to make a claim, you will need to refer to your policy document. There, you will find the name of your insurance provider as well as the respective insurer’s contact details regarding all claims.

You’ll need to have your insurance policy details as well as all facts about any incident to hand.

It’s important that you let your insurer know about an incident as soon as possible, even if it’s not your fault. A delay in reporting an incident or failure to report it could result in a rejected claim later on.

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