Caravan insurance guide

Depending on the cover you choose, caravan insurance is a policy used to help offset the financial burden of loss or damage that occurs to a caravan and its contents as a result of a policy-listed event. It can also cover damage your caravan causes to other people or property.

Depending on the policy, caravan insurance can cover things like:

• damage caused by a road collision
• damage caused by fire, storm and flood
• food spoilage if there’s an unexpected power outage and your fridge stops working
• temporary accommodation for you and your pets if your touring caravan can’t be used after a covered indecent
• liability cover if someone’s injured or your caravan damages someone else's property
• theft and vandalism.

Be mindful that the list above is just a summary, and limits and exclusions may apply. Be sure to read the Product Disclosure Statement to know what you can expect from your cover.

Caravan insurance can help cover loose items kept in your caravan (up to certain limits), as long as they’re permanently kept there. This could include things like furnishings, appliances, camping furniture, utensils, crockery, food and more.

Tip: To cover items such as mobile phones, laptops, clothes, jewellery, DVDs, CDs and so on, you might consider a contents insurance policy that includes portable cover. 

Let’s start with some definitions and examples:

When it comes to cover for modifications and accessories, check with your insurer to find out if they need to know about:

• Any modifications and accessories you’ve added to the caravan or intend to add to the caravan.
• Changes to the way your caravan is being used (for example, if you start renting it out).

Lay-up cover generally refers to insurance for your caravan while it’s not in use. 

With an NRMA Insurance policy, lay-up cover is an optional level of cover. By reducing the level of cover for a set period (by pausing the cover intended for on-road use but leaving the rest) lay-up cover can help reduce the price of your premium.