Caravan Insurance

Specialised cover for caravans, both on-road and at camp.

Caravan insurance provides protection for caravans and camper trailers, covering you both when you're on the road and when the caravan is parked or in use at a campsite. It typically includes cover for accidental damage (like collisions or rollovers while towing), weather damage (storms, hail), theft of the caravan, and often the contents inside the caravan up to certain limits. Policies may also include coverage for annexes or awnings attached to the van, and emergency accommodation if your caravan is rendered unusable while traveling. With many Australians enjoying road trips and camping, caravan insurance ensures your home-on-wheels is financially protected against mishaps.

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Key Benefits

Comprehensive Caravan Cover

Covers a wide range of events, from traffic accidents while towing to storm or hail damage while parked. Whether it's a collision, rollover, or weather event, your caravan is protected from costly damage.

Contents and Accessories

Provides cover for the personal belongings inside your caravan (up to set limits) and accessories like annexes or awnings. So your camping gear, furniture, and even the detachable awning can be covered if they're stolen or damaged.

Emergency Accommodation

If your caravan is badly damaged while you're on a trip and you can't stay in it, some policies will pay for temporary accommodation. This means you won't be stranded without a place to stay if an incident leaves your caravan unusable during your holiday.

Recommended Insurance Coverage

Car Insurance

Protect your vehicle and liability on the road.

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Trailer Insurance

Protects your trailer against accidents, theft, and liability.

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Home Insurance

Protects your home building against damage or loss.

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Frequently Asked Questions

Yes, caravan insurance covers your van both on the road and when it's parked (at home or in storage). It insures against risks like theft, fire, or storm damage even when you're not actively traveling. Just make sure you meet any storage security requirements the insurer might have (like keeping it in a locked yard).

Most caravan policies include some coverage for contents inside the caravan, but often up to a certain limit. For example, they might cover a few thousand dollars worth of personal items. High-value items may need separate coverage or listing. Always check the sub-limits for contents in your caravan policy.

Insurance terms can vary – some insurers might not cover caravans that are used as a permanent residence, or they might have special policies for that scenario. If you plan to live in your caravan long-term, make sure to inform your insurer and see if they can cover it under those conditions. Standard policies are generally for recreational use.

Damage to your caravan from towing accidents is typically covered (for instance, if it sways and is damaged). Liability for any injury or property damage your caravan causes (like it coming loose and hitting something) is usually covered under your car's insurance or CTP for injuries. However, some caravan policies include additional liability cover for when it's parked or being used as accommodation. It's worth reviewing what liability coverage is included.

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