NRMA Caravan Insurance offers a range of cover options, as well as a 24-hour claims line, Whether you’re set up in a caravan park or hitting the road, there’s probably a cover option to suit you. But which policy is right for you? Here’s a quick breakdown of what is provided.
Want to know more? Here’s a breakdown of how these cover types compare against each other. Each policy takes into consideration how your trailer or caravan might be used and protects against possible risks. Additional cover is available at an increase to your premium, so be sure to discuss these options with NRMA Insurance to make certain you have the level of protection you need.
| Trailer Insurance | On-site Insurance | Touring Insurance | |
|---|---|---|---|
| Accidental Damage | |||
| Collision | |||
| Earthquake and Tsunami | |||
| Explosion | |||
| Fire, Flood and Rainwater Run-off | |||
| Storm and Storm Surge | |||
| Theft or Attempted Theft | |||
| Vandalism or Malicious Act | |||
| Caravan Contents | |||
| Emergency Repairs | |||
| Food Spoilage | |||
| Replacement Caravan or Trailer | |||
| Storage Costs | |||
| Temporary Accommodation | |||
| Towing | |||
| Additional Contents Cover for Caravan | Optional | Optional | |
| Annex Cover | Optional | Optional | |
| Lay Up Cover | Optional | ||
| Lability Cover |
To help work out if this cover is suitable for you, it's important to check you meet all the eligibility requirements. For example, the key requirements for your caravan or trailer include:
Always read the Product Disclosure Statement (PDS) to understand the specific coverage, exclusions and limitations of your insurance before signing up for a policy.
As with all insurance policies, there are a number of exclusions you need to keep in mind when selecting your cover. These include loss, damage or death as a result of:
As well as these policy exclusions, NRMA Insurance will not accept claims for:
An excess is the amount you contribute towards the cost of your claim. There are 3 types of excesses:
The type of excess you need to pay depends on what you are claiming. For example, when you make a claim for loss or damage caused by hail or a cyclone, you must pay a hail or cyclone excess in addition to the basic excess. Your certificate of insurance will show the amount and types of excess that apply to your policy. A claim is only accepted if the total amount you are claiming for is more than any excesses that apply to your claim.
You make a claim in three simple steps:
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