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Caravan Insurance

Love adventure? Enjoy the journey with Caravan Insurance cover for accidents, theft, severe weather and more.

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Insurance

What does Caravan Insurance cover?

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Included

  • Accidents
    We cover your caravan if it's damaged in an accident.

  • Fire, storm and flood
    We cover your caravan if it's damaged by fire, storm, flood or tsunami1.

  • Towing
    We pay for towing to a repairer or safe place if your caravan can't be used after an incident we cover.

  • New replacement
    If your caravan's written off in its first two years, we try to replace it with a similar new caravan2.

  • Storage costs
    If your caravan can't be used after an incident we cover, we'll pay to store it before it's repaired or we settle your claim (whichever is first).

  • Food spoilage
    We pay for spoiled food and prescription medicine if there's an accidental power outage and your fridge stops working (up to $500).

  • Theft and vandalism
    We cover your caravan if it's stolen, vandalised or accidentally damaged.

  • Caravan Contents
    We cover items that are permanently kept in your caravan if they're damaged or stolen in an incident we cover (up to $1,000).

  • Emergency repairs
    We pay for repairs you need to make after an incident we cover so that your caravan's safe to use or tow (up to $800).

  • Temporary accommodation
    If your holiday caravan can't be used after a covered incident and you're more than 100kms from home, we pay for temporary accommodation (up to $1,000).

  • Liability cover
    We cover your legal liability in certain situations if someone's injured or their property's damaged by your caravan (up to $20m)3.

Not included

There are some things we don’t cover

  • Off-road use
    Unless your caravan is designed for it, we don't cover damage from driving off-road.

  • Wear and tear
    We don't cover normal wear and tear that happens as you use your caravan.

Optional benefits

Add these when you get a quote

  • No excess for glass damage
    Add an option to avoid paying an excess when your windscreen, window glass or sunroof is the only thing damaged in a covered incident (let us know and we'll arrange the repairs).

  • Lay up cover
    By adding lay up cover you may reduce your premium (and the cover we provide) for an agreed time while you're not using your caravan.

  • Motor burnout
    Add cover for electric motor burnout in things like fridges and air conditioning units, including parts and labour4.

Make sure to read our policy booklets

They’ll give you full details on limits, conditions, exclusions and more

Product Disclosure Statement
Target Market Determination
Premium, Excess & Discounts Guide

Important note for customers in NSW, QLD, TAS & ACT. If you purchased your policy before 21 April 2024 and you either haven't renewed it yet or you last renewed it before 1 July 2024, your cover will be different to the cover described above. Read the Product Disclosure Statement (PDS) relevant to your policy on our policy booklets page, or call us on 132 132 for more information.

Payment options

Choose how to pay

Pick the payment option that best suits your needs. Pay monthly, quarterly or annually at no extra cost5.

Things to consider before getting Caravan Insurance

How will you be storing your caravan?

Where and how your caravan is stored is important for insurance. Consider whether it’s kept at home, in a storage facility, or parked on the street.

What security do you have for your caravan?

Security measures such as locks, alarms, or tracking devices can help protect your caravan and may reduce the likelihood of theft or damage. They could also be a factor in determining your policy type.

How much mileage do you get out of your caravan?

How often and how far you tow your caravan may influence the type of cover you need, especially if you travel long distances or head off on extended trips.

Do you have any accessories for your caravan?

Add-on items such as awnings, solar panels, or entertainment systems can increase value and convenience, but they may need to be specifically covered in your policy. 

How much is your caravan worth?

Knowing an estimated value of your caravan helps you to choose your cover. Consider its current condition, age, and any upgrades.

Want to insure a trailer or motorhome?

We’ve got cover for that, too.

Protect your home on wheels for accidents, theft, fire and more with our Motorhome Insurance.

Keep moving with insurance cover that protects your trailer for accidents, theft, vandalism and more.

FAQs

Caravan Insurance FAQs

Read more

Are the things inside my caravan covered?

Caravan Insurance covers items that are permanently kept inside your caravan, like furniture, bedding and appliances. To cover items you take outside your caravan (like jewellery, phones and laptops), check out Home Contents Insurance.

What’s lay up cover for touring caravans?

Lay up cover is an optional benefit you can choose to help reduce your premium for a set period of time.

With this cover, you can’t use your caravan for touring during the agreed time, and must keep it at the address shown on our policy and parked undercover.

We also cover your caravan in the lay up period if you're taking your caravan to or from a repairer or mechanic for a scheduled service or to be repaired.

If you want to use your touring caravan during the lay up period, you’ll need to call us to let us know. If we agree, your premium will be adjusted.

If someone else uses my caravan, are they also covered?

Yes, we cover anyone who has your permission to use your caravan6. An age excess will apply to anyone under 25 who drives or tows your caravan.

Existing customers

Already have a policy with us?

Renew your policy
Manage regular payments
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Things you should know

  1. We may not cover you for some severe weather events during an embargo period (which is usually when we know a severe weather event is about to occur). We'll tell you if there's an embargo when you purchase your policy.

  2. We will replace your caravan with a new caravan of the same make, model and paint type if it is available in Australia. You must have bought your caravan as a new or demonstrator caravan and at the time of the incident it is less than 24 months from if your caravan is registered, the date you purchased it or if your caravan is registered, the date it was first registered. 

  3. We cover your legal liability for death or bodily injury to someone else, or loss or damage to someone else's property for an incident we cover.

  4. We can cover motors for up to 15 years after they were made.

  5. Not including policies sold or renewed before 27 August 2023 in NSW, QLD, TAS and the ACT.

  6. Cover is subject to standard underwriting guidelines and policy terms. Additional excesses apply for undisclosed drivers, including for drivers under 25.