What happens if my caravan needs to be towed?

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.

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'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.

First check to make sure everyone's OK and ring 000 in case of injury or hazard.

If your car can't be driven (after an incident we cover) and your policy covers towing, call us 24/7 on 132 132 and we'll arrange a tow for you.

To see if you're covered for towing, read the Policy Disclosure Statement (PDS) on our policy booklets page.

If another car is involved, it's important to try and get the other driver's details. If you can, ask for their:

• Name
• Address
• Licence number
• Car's registration number

It's also helpful to take photos of the damage to both cars.

You should only drive your car, motorcycle or scooter if it's in a condition that's safe for you and any passengers. Don't drive your vehicle if:

• The lights or brakes aren't working
• It's difficult to get in or out
• The bodywork is damaged and could cause injury or interfere with driving
• There are leaking fluids or signs of engine damage.

If your vehicle isn't safe to drive (after an incident we cover) and your policy covers towing, call us 24/7 on 132 132 and we'll arrange a tow for you.

To see what's covered by your policy, read the Policy Disclosure Statement (PDS) on our policy booklets page.