Caravan Insurance

Is it time to review your caravan insurance? Alison Huth Finds out what’s available. 

Words Alison Huth, Editor at Large

One issue that is talked about by all caravanners, at one time or another, is who provides the best insurance in terms of value for money. People have their all time favourites who they stick with through thick and thin. Then, the unthinkable happens, and that person retires or the business is taken over by a bigger fish. 

What to do and where to go?
Listening to the chatter about caravan insurance it seems that a large number of caravanners only look at one or two providers. Editor Rachael and I thought it would be a good idea to have a look at as many as I could find and share the findings with you.
I have concentrated on providers who cover more than one state. The information, including the details on who provides and/or underwrites the insurance is from the company website. It is important to read the PDS for each insurance product to make sure it is the one for you. There are differences and exclusions. I make no recommendation about who is the best insurer, that is up to you. All I am trying to do is give you an idea of the huge number of providers out there.

Insurance Companies 

Insurance cover for:
Motorhome or Campervan
5 th Wheelers
Touring Caravan
Slide on Campers 
Converted Bus or Coach

KT Insurance is a trading name of Lifestyle Insurance Group Pty Ltd ABN 48 057 816 172, AFS Licence No. 246937, who arranges this insurance as an agent of the product issuer, The Hollard Insurance Company Pty Ltd (Hollard), AFSL 241436, ABN 78 090 584 473. Hollard pays KT Insurance a commission on sold policies which is a percentage of your premium.

 

Touring Caravan Insurance Protection for your caravan when you’re on the move
Onsite Caravan Insurance Protection for your caravan when it’s permanently in
one spot
Trailer Insurance, protection for your car trailer and its fixtures

RACV Caravan Insurance is issued by Insurance Manufacturers of Australia Pty Limited ABN 93 004 208 084 AFS Licence No. 227678.

 

“Caravan Trailer Insurance. There’s nothing better than hitting the wide open road with your caravan in tow. While you’re out enjoying life, it’s important that you’re covered against accidental loss or damage to your caravan or trailer.” Insurance and Membership Services Limited ABN 59 057 159 743, AR No 246235 trading as COTA Insurance (we, or us), arranges these insurances as agent of the insurer Allianz Australia Insurance Limited (ABN 15 000 122 850, AFSL No. 234708.

 

“CGU offers comprehensive caravan cover, with plenty of options to tailor it to your needs.”

Insurance issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance.

 

“Caravan, Camper Trailer, Boat Trailer, Box Trailer, Horse Float, Fifth Wheeler.
At Youi, we believe you should be able to choose the cover that suits you.”

“Youi Pty Ltd is a registered general insurance company which underwrites its own policies.“

 

Caravan insurance. Explore the great outdoors with peace of mind with cover for your caravan or camper trailer throughout Australia.

RAC Caravan Insurance is issued by RAC Insurance Pty Ltd.

 

“Australian Caravan Insurance offers comprehensive cover your caravan, pop top or camper trailer.”
Australian Caravan Insurance is a business name of NM
Insurance Pty Ltd. ABN 34 100 633 038 | AFSL 227186

 

“You’re covered Australia wide for accidental loss or damage t o your caravan. This covers damage as a result of storm, fire, flood, hail, collision, malicious damage (such as vandalism) and theft or attempted theft.”

“Did you know our Caravan Comprehensive Insurance product also covers trailers?”

RAA Insurance products are issued by RAA Insurance Limited, ABN 14 007 872 602, AFS Licence No. 232525.

 

“There’s nothing better than hitting the wide open road with your caravan in tow.While you’re out enjoying life, it’s important that you’re protected against accidental loss or damage to your caravan and its contents.”

AHL Investments Pty Ltd ABN 27 105 265 861 AR No. 338358 (Aussie) arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708.

“Comprehensive insurance that covers 4WDs, camper trailers & caravans anywhere they’re allowed to go in Australia, on road or off.”

Club 4X4 Pty Ltd (Club 4X4), AR 1235616 of Lifestyle Insurance Group Pty Ltd (Lifestyle) AFSL 246937, distributes this insurance as an agent of The Hollard Insurance Comp any Pty Ltd AFSL 241436 (Hollard) the product issuer.

 

“GIO offers cover for caravans, trailers and horse floats. We also insure slide on/slide off campers under Caravan Insurance, provided they are not permanently attached to a vehicle. We do not cover motorhomes, motorised caravans, converted buses and vans or semitrailers.”

Insurance issued by AAI Limited ABN 48 005 297 807 trading as GIO.

“Caravan and Trailer Insurance covers you for accidental loss or damage to your caravan or trailer caused by events such as accidents, or natural events such as storms or fires, as well as theft.”

Allianz Australia In surance Limited ABN 15 000 122 850 AFS Licence No. 234708 is the insurer of any general insurance offered.

“Caravan and Trailer Insurance. With cover for accidental loss and damage, emergency repairs, and accommodation, you can hit the road without a worry.”

National Seniors Australia Ltd ABN 89 050 523 003 AR No. 282 736 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708.

 

“Protects your caravan for accidental loss or damage anywhere in Australia due to events such as accident storm, impact, vandalism, fire and theft.“

Australian Pensioners Insurance Agency Pty Ltd (Apia) ABN 14 099 650 996 AR 239591 is an authorised representative of AAI Limited ABN 48 005 297 807 AFSL 230859 (AAI).

 

“Our caravan and trailer insurance has a range of features and benefits.”

Catholic Church Insurance Limited ABN 76 000 005 210, AFS Licence No. 235415 (CCI) arranges personal insurance as promoter of the underw riter Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 (Allianz).

 

“Insure your caravan and trailer for accidental loss or damage with Caravan and Trailer Insurance through Heritage.”

Heritage Bank Limited ABN 32 087 652 024 AFSL No. 240984 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No.234708.

“Whether your caravan is permanently on site or you’re traveling Australia, you can choose the insurance that suit your needs. Insurance can be taken out under the WFI Private Plan to cover your caravan, camper trailer or motorhome.”

Insurance issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as WFI.

 

“Get cover for your caravan, camper trailer, horse t railer or trailer before you hit the
road. Get a quote in just a few minutes.”

“We partner with Allianz Insurance to provide cover for your caravan and trailer.”

Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 is the general insurer.

 


“When you own a caravan … you want insurance that travels with you.” 

General Insurance (inc Home Building, Home Contents, Landlord, Strata, Car, CTP, Motorcycle, Caravan, Motorhome, Boat Insurance, Business Insurance & Barristers Insurance) is issued by AAI Ltd ABN 48 005 297 807 TA Suncorp Insurance.

“Whether you’ve got a caravan, a camper trailer, a box trailer or even a horse float, we’ll help you tow with confidence.”

Insurance products (excluding Travel Insurance) are issued by RACQ Insurance Limited
ABN 50 009 704 152 (RACQ)

 

“With Caravan and Trailer Insur ance, you can feel rest assured that no matter where you are or what hops in your way, your home away from home will be looked after by us just as well as it is by you.”

Resilium Insurance Broking Pty Ltd ABN 92 169 975 973 AFSL 460382

 

“Complete cover for your little piece of home when you’re on the road, at a caravan park or at home. You’ll also be covered for damage to other people’s property.”

QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 is a member of QBE Insurance Group Limited.

 

“Enjoy the adventure without the worry! Whether you’re travelling Australia wide or

permanently on site, we cover your caravan for accidents and theft. Includes fixtures and fittings.”

FAQ: Are there any types of caravans you don’t insure?

Caravan Insurance and Travel Insurance are issued by AAI Limited ABN 48 005 297 807 AFSL 230859 (AAI) trading
as AAMI.

 

Let’s Go Caravan Insurance provides competitive insurance options for Camper Trailers; Caravans; Pop Tops; Motorhome Class B and Motorhome Class C.

As at 6/12/2023 the website showed that 5th Wheelers; Slide On Campers and Motorhomes Class A are not insurable through this company. Let’s Go Caravan Insurance is arranged by NM Insurance Pty Ltd.

 

CIL list the following:
Caravan Insurance 
Motorhome Insurance 
Camper Trailer Insurance 
5th Wheeler Insurance 
Slide On Camper Insurance
Horse Float Insurance 
Hire Cover Insurance 
Tiny House on Wheels Insurance

CIL Insurance is a trading division of AAI Limited ABN 48 005 297 807 AFSL 230859, the issuer of the insurance.