Can anyone borrow my caravan and still be covered?

Lay-up cover is an optional benefit you can choose that may reduce your premium (and the cover we provide) for an agreed time while you’re not using your caravan.

You can choose lay-up cover for up to 12 months (for up to your entire policy period).

For more information, see our Product Disclosure Statements.

Important note for customers in NSW, Queensland, Tasmania and the ACT:

If your policy was

• First purchased before 21 April 2024 and not yet renewed
• Last renewed before 1 July 2024

your cover will be different. Call us on 132 132.

Yes, you're covered if your tenant stops paying rent or leaves without giving notice during the term of their rental agreement.

However, if you took out a new policy from 14 June 2020 to 17 April 2021, your policy won’t have rent default cover until your policy renews.

To understand what's covered under rent default, please read the Product Disclosure Statement and the Supplementary Product Disclosure Statement on the policy booklets page.

What you pay for your insurance is based on how likely you are to make a claim. We also consider things like discounts, excess, policy options and government charges.

To find out more about how we calculate your premium, read the Premium, Excess and Discounts Guide on our policy booklets page.

By adding lay-up cover as an option, you can reduce your premium (and the cover we provide) for an agreed time while you’re not using your holiday caravan.

For more information on lay-up cover, read the Product Disclosure Statement.

We pay the cost of towing your damaged caravan. We must agree to pay the costs of the towing before they are incurred.

For more information about what's covered, what's not and terms and conditions, read the Product Disclosure Statement (PDS) on our policy booklets page.

Important note for customers in NSW, Queensland, Tasmania and the ACT:

If your policy was

• First purchased before 21 April 2024 and not yet renewed
• Last renewed before 1 July 2024

your cover will be different. Call us on 132 132.

We'll pay reasonable accommodation costs if your holiday caravan can't be used or lived in and you're more than 100km from your home (up to $1,000).

Or, if you have advised us you permanently live in your caravan, we can agree to cover temporary accommodation costs (up to $125 per day, up to $5,000) while your caravan is repaired or until your claim is settled (whichever comes first).

For more information, see our Product Disclosure Statements.

Important note for customers in NSW, Queensland, Tasmania and the ACT:

If your policy was

• First purchased before 21 April 2024 and not yet renewed
• Last renewed before 1 July 2024

your cover will be different. Call us on 132 132.

We pay up to $800 for reasonable emergency repair costs you need to make, so that your caravan is safe to use or tow. We'll also pay the cost for your caravan or trailer to be towed from the incident scene to a repairer or safe place.

For more information, see our Product Disclosure Statements.

Important note for customers in NSW, Queensland, Tasmania and the ACT:

If your policy was

• First purchased before 21 April 2024 and not yet renewed
• Last renewed before 1 July 2024

your cover will be different. Call us on 132 132.

No. Your car or caravan won’t be covered while being used by another driver as part of any vehicle sharing service. However, you are still covered while you are the person driving the car.

When you apply for car or caravan insurance, we’ll ask you how often your vehicle is used for vehicle sharing. If it’s used for shared services more than 50% of the time, we may not be able to offer insurance.

We’ll cover your holiday or touring caravan during the lay up period if you’ve told us and we agree to the use. You’ll also need to pay any extra premium that applies.

Yes, your policy covers your caravan or trailer anywhere in Australia.