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

Yes, we cover anyone who has your permission to use your caravan 6 . An age excess will apply to anyone under 25 who drives or tows your caravan.

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Caravan Insurance

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

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Want to save up to 10%?

Buy your Caravan Insurance online and we’ll automatically apply the discount. You’ll save up to 10% on your first year's premium⁵.

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 a 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.

Want to insure a trailer?

We’ve got cover for that, too.

Check out Trailer Insurance

We have 100 years' experience helping Australians protect the things they care about

Save up to 10% on your first year when you get Caravan Insurance online⁵

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Ready to insure your caravan? You can get a quote online

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Call us on 131 123 to make a claim 24/7

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FAQs

Caravan Insurance FAQs

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.

With lay up cover, you can reduce your premium and the cover we provide for a time period we agree while you're not using your touring caravan.

We still cover your touring caravan in the lay up period you nominate. Although, you can't use your caravan in that time and you must keep it at the address shown on your 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, we'll only cover it if:

You tell us you're going to use it
We agree to cover you for that use, and

You pay us any additional premium that applies.

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?

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Manage regular payments

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Already with us?

Need help?

We're here for you. Call us on 132 132.

Things you should know

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.
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.
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.
We can cover motors for up to 15 years after they were made.
See the full details of the online discount. Any applicable discounts may be subject to minimum premiums. Discounts only apply until a minimum premium is reached. When we determine your premium on renewal, we may also limit any increases or decreases in your premium by considering factors such as your previous year's premium amount.
Cover is subject to standard underwriting guidelines and policy terms. Additional excesses apply for undisclosed drivers, including for drivers under 25.