Motorhome insurance Australia

What is motorhome insurance?

Motorhome insurance is like car insurance for your motorhome. It's specifically for vehicles with motors, instead of vehicles that are motorless and are towed by a car - like a camper trailer. It includes coverage for motorhome specific needs like your annexe, food spoilage, motor burnout and more.

What's included in motorhome insurance?

Every policy is different but you can use the below as a general guide for what's typically included and what's sometimes available as an optional extra.

Typical inclusions

These benefit inclusions and limits will change per provider. To know the specific for your provider, check the product disclosure statement (PDS).

• Legal liability
• Accidents; damage arising as the result of an accident. This includes damage to your motorhome as well as damage your motorhome causes to other property
• Fire, storm and flood
• New motorhome replacement if yours is written off in the first 2 years of its registration. The terms of this benefit change from provider to provider
• Theft and vandalism
• Towing
• Emergency repairs
• Emergency accommodation and transport
• Contents
• Food spoilage
• Lock replacement

Typical optional extras

• No excess window glass damage
• Hire vehicle
• Motor burnout

Motorhome insurance provider comparison

FAQs

• What is the best insurance for motorhomes?

  Only you can know that answer. It depends on where you're travelling, how often, what your budget looks like and what features you value. The best way to find the best motorhome insurance for your needs is to collect multiple quotes and weigh up at least 5 different options.

• Are RVs and motorhomes the same?

  Yes they refer to the same vehicle. RV means recreational vehicle; it's essentially a vehicle that doubles as a home away from home and it has a motor, meaning you can drive it on the road and not have to tow it with a car (like you do with a camper trailer).

• How can I find cheaper motorhome insurance?

  Here's a few of our favourite tips for cheaper insurance:

  1. Increase your excess. This will give you a cheaper premium.
  2. Call the insurer and negotiate over the phone. The original quote you get isn't always final and they're almost always happy to discuss a discount if it means getting or keeping you as a customer.
  3. Restrict drivers. The less people who drive the vehicle, the less associated risk and therefore the lower your premiums will be.
  4. Keep your RV secure. The less risk of theft or damage, the better your premium will be.
  5. Compare multiple quotes. You can't know if a better deal is available if you never do the research.