{"menuItems":[{"label":"Compare caravan insurance from CGU","anchorName":"#compare-caravan-insurance-from-cgu"},{"label":"What cover options are available?","anchorName":"#what-cover-options-are-available"},{"label":"How does each cover type compare?","anchorName":"#how-does-each-cover-type-compare"},{"label":"Are there any additional cover options?","anchorName":"#are-there-any-additional-cover-options"},{"label":"What exclusions are there?","anchorName":"#what-exclusions-are-there"},{"label":"What excess do I need to pay?","anchorName":"#what-excess-do-i-need-to-pay"},{"label":"How do I make a claim?","anchorName":"#how-do-i-make-a-claim"}]}
Whether you’re roaming the great outdoors or spinning the wheels in your great backyard, there’s a lot that can go wrong if you own a caravan. CGU’s comprehensive caravan cover can help protect you against incidents such as theft and fire, so you get to concentrate on living life to the full without worrying about what might happen to your home on wheels.
We don't currently have this brand on our panel. But don't fret! You can head to the CGU website or compare a bunch of other caravan insurance companies with finder.
*Be sure to check the product disclosure statement (PDS) on the provider page to help you make the right choice.
What cover options are available?
CGU offers comprehensive caravan cover, which includes $30 million liability insurance and a range of additional features at no extra cost.
You can choose between on-site or Australia-wide cover. The former only protects a locked caravan at a nominated address somewhere in Australia, but you receive cheaper premiums as a result.
How does each cover type compare?
Feature
Comprehensive (on-site)
Comprehensive (Australia-wide)
Accidental loss or damage to your caravan and contents (such as by theft and fire)
Legal liability up to $30 million
Temporary accommodation up to $100 per day for five days, if you’re on vacation
Automatic renewal of previous cover following a claim (not for total replacement)
Towing costs to repairer
Contents return to home up to $500
Contents replacement, maximum $500 per item
Electric motor repair/replace
Total caravan repair/replace
Annexe repair/replace
Are there any additional cover options?
In addition to the features listed above, you can select a number of optional cover extras, including:
Theft of contents from an annexe. This will cover you in the event of a violent entry to a locked annexe, assuming the annexe isn’t made of canvas, vinyl or fabric.
Flood cover. The default insurance doesn’t cover flood damage, so you can add it on with this option.
No claim bonus. Get 10% off your premium after one claim-free year, or 20% after two.
What exclusions are there?
As with all insurance policies, there is a range of situations and incidents that CGU will not cover. CGU will not compensate you for your caravan if the damage or loss is caused:
By reckless or irresponsible driving. Unlicenced drivers or drivers who are under the influence of drugs or alcohol will automatically exclude an incident from cover.
By corrosion or other natural wear. If you fail to conduct proper maintenance on your caravan, it can accrue rot, mold and corrosion. You won’t be covered for this kind of damage or normal depreciation over time or from repairs.
By mechanical breakdown. Mechanical, electrical or structural breakdown is not compensated by this policy.
When another insurance applies. When you’re involved in an accident that’s covered by another form of insurance (such as third-party compulsory insurance), CGU won’t cover you also.
While being used for an unintended purpose. When driving or using your caravan in a manner it’s not designed for, you won’t be covered.
While being used for unlawful activities. If whoever is in charge of your caravan at the time of an incident is committing a crime or breaking a regulation, you won’t be able to claim.
What excess do I need to pay?
You will need to pay the standard excess nominated on your policy whenever you make an insurance claim. The only situation where you are not liable to pay an excess is if the accident is not your fault and you are able to provide the name and address of the person who caused the accident.
How do I make a claim?
If you need to make a claim in the event of an accident, follow these steps:
Contact CGU immediately on 13 24 80. Let them know that an incident has occurred. Any delay in contacting CGU could result in a lower payment or refusal of compensation.
Collect the information you need. This includes names and details of anybody involved in the accident, any letters or notices received within 72 hours of the accident, and the incident report number for theft, vandalism or a malicious act. Taking photographs of the damage or site of the incident may assist the claim process.
Submit any requested documentation to CGU. This could include proof of ownership of property, inspection reports, photos of the incident or repairer quotations.
Why you can trust Finder's car insurance experts
We're free
You pay the same as buying directly from the car insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
We're experts
Our team of car insurance experts have researched and rated dozens of policies as part of our Finder Awards and published 330+ guides to make it easier for you to compare.
We're independent
Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of car insurance brands, making it easier for you to find a good deal.
We're here to help
Since 2014, we've helped 300,000+ people find car insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.
Sam Baran is a writer for Finder, covering topics across the tech, telco and utilities sectors. They enjoy decrypting technical jargon and helping people compare complex products easily. When they aren't writing, you'll find Sam's head buried in a book or working on their latest short story. Sam has a Bachelor of Advanced Science from the University of Sydney.
The McLaren 750S sits in the market like a bespoke tailored suit among off-the-rack outfits: eye-wateringly expensive for many, but in the realm of supercars, it's competitively priced.
How likely would you be to recommend finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Important information about this website
finder.com.au is one of Australia's leading comparison websites. We are committed to our readers and stands by our editorial principles
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please note that the information published on our site should not be construed as personal advice and does not consider your personal needs and circumstances. While our site will provide you with factual information and general advice to help you make better decisions, it isn't a substitute for professional advice. You should consider whether the products or services featured on our site are appropriate for your needs. If you're unsure about anything, seek professional advice before you apply for any product or commit to any plan and read any disclosure documents (such as any Target Market Determination (TMD) and/or Product Disclosure Statement (PDS)) issued by the provider before making a decision.
Providing or obtaining an estimated insurance quote through us does not guarantee you can get the insurance. Acceptance by insurance companies is based on things like occupation, health and lifestyle. By providing you with the ability to apply for a credit card or loan, we are not guaranteeing that your application will be approved. Your application for credit products is subject to the Provider's terms and conditions as well as their application and lending criteria.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
