Motorhome insurance Australia
Cover for the home that drives itself: what's included, what's not and how to compare.
Key takeaways
- Motorhome insurance is for RVs with their own engine. Caravans and camper trailers need caravan insurance.
- Most policies cover crashes, theft, fire, storm and liability, plus extras like contents and emergency accommodation.
- Replacement terms, liability limits and exclusions vary, so compare the table below and check the PDS.
You've stocked the fridge, mapped the route and argued about who’s driving the first leg. The last thing on your mind is what happens if a hailstorm finds you outside Dubbo.
You're not alone out there. Australia had about 119,000 registered motorhomes and campervans in 2025 (Caravan Industry Association). That's a lot of kitchens on wheels.
Motorhome insurance covers the vehicle and the home inside it in one policy. Here’s what that gets you, where it falls short and how the main providers stack up.
Motorhome insurance provider comparison
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How we picked these
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
What's not covered
Motorhome insurance is great for the big stuff: crashes, hail, theft. It's less generous about the slow stuff. Common exclusions include:
- Wear and tear, rust and gradual damage
- Mechanical or electrical breakdown, unless you've added motor burnout cover
- Water leaks and mould that build up over time
- Damage while the van is unroadworthy or overloaded
- Drivers who aren't licensed, or aren't listed on the policy if your insurer restricts drivers
- Using it for hire without telling your insurer
Some policies also limit cover on unsealed roads or beaches. Before you hit the road, it's worth reviewing your PDS to ensure you're across what you will and won't be covered for.
Did you know?
Motorhomes are having a moment. New motorhome and campervan entries jumped 36.1% in July 2026 compared with a year earlier.
Motorhome vs caravan insurance
It comes down to one question: does it have an engine? If you can drive it, you need motorhome insurance. If it gets hitched to the back of your car, it's caravan insurance.
The difference matters more than you'd think. A motorhome is a car and a home in one, so your policy has to cover both: crashes, liability on the road, plus everything you've packed inside. A caravan only becomes a road risk while it's being towed, which is why some of that cover sits with the tow car's policy instead.
| Motorhome insurance | Caravan insurance | |
|---|---|---|
| Covers | Vehicles with their own engine: motorhomes, campervans | Towed vans: caravans, camper trailers, pop-tops |
| Legal liability | Yes, it’s driven on the road | Usually covered by the tow car’s policy while towing |
| Engine cover | Motor burnout often available | Not applicable |
FAQs
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