Discount Insurance caravan insurance

Discount Insurance caravan insurance review

Discount Insurance offers cover for touring and static caravans that are up to 20 years old. Read our analysis to see if you can get a good deal with this broker.

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Liz Edwards
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Whatever type of caravan you own, you’ll want to ensure your investment is protected. Discount Insurance claims to help customers get the best caravan cover at the most affordable price – and accidental damage is covered as standard. What’s more, it has a range of additional cover that can provide even greater protection. Here’s what else we think you should know.

Who is Discount Insurance?

Discount Insurance is a specialist insurance provider of caravan, home, travel, landlord, tenants, pet and business insurance.

While it has specific policies to provide insurance for touring and static caravans, the broker says its insurance policies also cater to a wide range of caravan types.

What types of caravan insurance are available?

  • Touring caravan insurance. This is suitable for anyone towing a caravan on the road for leisure. This type of insurance is not a legal requirement but worth considering to keep a caravan protected whilst being towed.
  • Static caravan insurance. This type of insurance is best suited to a caravan that is permanently fixed in one place. Although this is not a legal requirement, most holiday parks will require a basic level of protection in the form of caravan liability insurance.

What is covered under my Discount Insurance policy?

  • Fire, explosion, lightning and earthquake
  • Flood and storm damage
  • Theft or attempted theft cover
  • Vandalism
  • Accidental damage
  • Alternative accommodation/replacement hire cover
  • Public liability cover up to £2 million
  • Key cover up to £500

Optional extras for touring caravan insurance

  • European cover
  • Contents cover
  • Fire, explosion, lightning and earthquake
  • Flood and storm damage
  • Theft or attempted theft cover
  • Vandalism
  • Accidental damage
  • Alternative accommodation/replacement hire cover
  • Personal accident cover
  • Public liability cover up to £5 million
  • Key cover up to £500

Optional extras for static caravan insurance

  • Contents cover
  • Outdoor furniture cover
Check your policy details carefully to ensure you have the right cover for your needs.

General exclusions

Discount Insurance has some general exclusions that apply:

  • When your caravan is being used for a purpose not included under your policy
  • Mechanical or electrical breakdown
  • Depreciation of your caravan
  • General wear and tear
  • Manufacturing defects
  • Rust, corrosion or any gradual deterioration
  • Loss or damage due to a flood within the first seven days of the policy start date

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

How to save on your caravan insurance policy with Discount Insurance

  • Increase security. Fit security alarms and immobilisers to deter thieves. Fitting a security camera or tracking device may also be a good idea.
  • 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 national or regional caravan owners’ 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 Discount Insurance?

You will need to call the Ageas Insurance Ltd claims line on 0370 241 2719 to make a claim.

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.

Frequently asked questions

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