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The SGIO Caravan and Trailer Insurance Premium, Excess & Discounts Guide forms part of the SGIO 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 
An excess is an amount you pay when you lodge a claim. The amount and types of excess payable are shown on your current Certificate of Insurance. You may have to pay more than one type of excess depending on your circumstances.
A Basic excess applies to caravan or trailer claims.
Basic excess
If you make any type of claim you must pay any basic excess that applies. The basic excess for onsite caravan, touring caravan or trailer is:
| On-site Caravan | Touring Caravan | Trailer | |
| Basic excess | $200 | $200 | $200 |
Your basic excess amount will also be shown on your current Certificate of Insurance.
When an excess does not apply
You will not have to pay an excess if:
- you make a claim for an incident that we agree was not the fault of you or the person who has your permission to use your on-site caravan, touring caravan, annexe or trailer, and
- you can provide the name and residential address of the person we agree is responsible, and
- the amount of the claim is more than the basic excess.
- your touring caravan or trailer is attached to a motor vehicle you own and the motor vehicle and touring caravan or trailer suffer accidental damage in the same incident, and:
- you have lodged a claim for your touring caravan or trailer under this Policy and we have agreed to pay this claim
- your motor vehicle is comprehensively insured with us
- you have lodged a claim under your Comprehensive Motor Vehicle Policy and paid any applicable excesses for this claim.
If there is anything you don't understand about this SGIO Caravan and Trailer Insurance Premium, Excess & Discounts Guide, please call us on 133 233 or visit your local office.
Print or download this guide
SGIO Caravan and Trailer Insurance Premium, Excess, Discounts & Helpline Benefits Guide (PDF) effective for all policies taken out and renewing from 2 November 2009.
SGIO is a provider of car insurance, motorcycle insurance, home insurance, business insurance, travel insurance, boat insurance and caravan insurance in Western Australia. Get your insurance quotes today.
For insurance in other states and territories visit NRMA Insurance in NSW, ACT & TAS, NRMA Insurance in QLD or SGIC in SA. SGIO is part of the Insurance Australia Group, who also own Buzz Car Insurance and Home Insurance.
© Insurance Australia Limited ABN 11 000 016 722 AFS Licence No. 227681 trading as SGIO