How is my caravan or trailer premium calculated?

Our Loyalty Discount is being phased out and replaced with two new discounts: the Relationship Discount and the Multi-Product Discount. As you begin to renew your policies from 1 July 2024, you may become eligible for either or both discounts.

To find out more about the Relationship Discount and the Multi-Product Discount, please see the appropriate Premium, Excess and Discount Guide (PED).

The agreed value is only a one aspect of your policy's premium. As your car ages, the value may decrease but the parts can become more difficult to source in the event of a claim.

There are also other pricing factors that will affect your premium. For more information, please refer to the Premium, Excess & Discount Guide on our policy booklets page.

The price of your insurance is based on the likelihood of a claim being made on your policy in the future. There are a number of factors we take into account when determining your premium.

We calculate your premium by combining the:

• Pricing factors (these are different for car and home policies)
• Policy options
• Minimum and maximum premium
• Government charges
• Any discounts you’re eligible for.

To find out more about how we work out your premium, have a look at our Premium, Excess & 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.

Yes. We cover anyone who has your permission to use your caravan and keeps to the terms of your policy. However, your excess may be affected. See the Premium, Excess and Discounts Guide for your Caravan policy

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

Important note: If you're planning to rent out your caravan, you'll need to let us know beforehand.

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 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.

A calculation guide may help you to determine whether you have adequate insurance cover. This will provide you with peace of mind knowing you have the correct coverage should an incident arise.

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