What’s the difference between a caravan, motorhome and trailer insurance?

Caravans, motorhomes and trailers are completely distinct vehicles so you need a policy that correctly matches the vehicle, so the benefits and pricing is appropriate.

What states is NRMA caravan insurance available in?

NRMA caravan insurance is available in all states and you’ll be covered anywhere in Australia.

NRMA Caravan Insurance Review

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Our verdict

Pros

Up to 10% off on your first year’s premium when you buy caravan insurance online.
Options for static and touring caravans, motorhomes and trailers.
You can add lay-up cover to reduce your premium while you’re not using your caravan - a handy benefit that isn’t offered by every insurer.

Cons

Only $800 is offered for emergency repairs, while some brands cover up to $1,000.
Up to $20 million is covered for legal liability, but some brands extend to $30 million.
There’s no option to choose your own preferred repairer.

Compare NRMA caravan insurance

4 of 4 results

Accidental Damage	Annex cover	Choice of Repairer
NRMA Motorhome	Agreed			More info Compare product selectionCompare	loading
NRMA Trailer	Agreed	No	No	More info Compare product selectionCompare	loading
NRMA Touring caravan	Agreed	Optional	No	More info Compare product selectionCompare	loading
NRMA On-site Caravan	Agreed	Optional	No	More info Compare product selectionCompare	loading

Showing 4 of 4 results

What additional cover options are available?

NRMA offers some additional cover options to strengthen your policy if you wish:

Lay-up cover - Reduce your premium, and benefits, for a set period while your caravan is not being used.
No excess for glass damage - Waive the excess on claims that are just for windscreens, window glass, or sunroof damage.
Motor burnout - Add cover for electric motor burnout in things like fridges or air con units.

NRMA caravan insurance claims process

To start a claim on your NRMA caravan insurance, log into your account online and follow the instructions. If you need help along the way, you can call 131 123.

FAQs

Sources

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Written by

Nicola Middlemiss

Journalist

Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio

Nicola's expertise

Nicola has written 257 Finder guides across topics including:

Personal finance
Personal insurance, including car, health, home, life, pet and travel insurance
Commercial business insurance

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