Compare a range of policies to find the right caravan insurance for you.
From the stunning hues of the Blue Mountains to the picturesque tranquility of the Hunter Valley, NSW offers no shortage of reasons to buckle up and get exploring. But before you plan your next escape, it’s important to ensure that you’re protected. Some comprehensive car insurance policies include full or limited cover for caravans and trailers, but in most cases, NSW caravan owners will need to seek specialised cover.
Here are some of the most important things that you should know about caravan insurance in NSW to help you find an insurer that meets your needs.
Why do I need special insurance?
Whether you regularly hit the open road or you’re more of a weekend wanderer, caravan insurance will give you the peace of mind you need to travel comfortably in your home away from home. Caravan insurance can cover you for things like loss, accidental damage and natural disasters, as well as for accidents involving someone else’s property. You can choose your level of cover based on whether you have an on-site caravan or you’re about to clock some serious cross-country mileage in a touring caravan or camper trailer.
What types of caravans can I get covered?
A caravan or trailer is usually defined as an unpowered vehicle that’s towed by your motor vehicle, up to a certain weight. This can include:
- Caravans. Including on-site and touring caravans and camper vans.
- Trailers. Including car trailers, box trailers and boat trailers.
- Horse floats.
If your mobile home is self-powered, you should look for motorhome insurance in NSW.
What should I consider when purchasing caravan insurance in NSW?
Like any kind of insurance policy, it’s important that you consider what level of cover your caravan or trailer requires, along with any risks that might be unique to your situation. Although most caravan insurance in NSW covers common occurrences like theft, accidental damage and natural disasters, you’ll also need to think about whether you need cover that’s specific to the type of caravan or trailer you own. Look for the following inclusions in your policy:
- Collision or crash. Does the policy cover you and any third parties in the event of an accident?
- Towing and storage. Does your policy cover towing costs if you have an accident or you break down?
- Emergency accommodation. If your caravan can’t safely be lived in, does your policy cover any accommodation costs incurred?
- General contents. Which of your caravan’s contents are automatically covered, if any, and up to what value?
- New for new. If your caravan or trailer is less than two years old and is deemed to be a write-off, will your insurer replace it with a new one of the same make and model?
- Modifications and accessories. If you’ve modified your caravan or trailer, it’s crucial to check whether this is covered. In most cases, annexes fall under optional cover.
Taking your unique circumstances into account will help you find a caravan insurance policy that meets your needs.
What type of insurance can I get?
Caravans come in all shapes and sizes, so it makes sense that your insurance policy should too. Some insurers offer tiered levels of protection, while others structure their policies according to what you’ll be using your caravan for. If you’re looking for caravan insurance in NSW, here are some examples of some of the most common things you should expect to have covered:
|Comprehensive||Fire and theft||Third party property damage|
|Storm or flood||Yes||No||No|
|Emergency transport, accommodation and repairs||Yes||Yes||No|
|Caravan park fees||Yes||Yes||No|
|Locks and keys||Yes||Yes||No|
|Solar panels/TV antennas||Yes||Yes||No|
What optional extras are there?
Personalising your policy is essential if you have specific cover requirements. It could also help you save money on your premiums.
- Annexe cover. If your caravan has a fitted awning or similar attachment, this is unlikely to be covered by a standard policy. Extending your policy to include your annexe will ensure that you’re protected in the event of fire, storm, theft or malicious damage. There may be some exclusions if your annexe is made from fabric, canvas or vinyl, so make sure you check your policy.
- Additional contents cover. Some insurance brands let you take out a higher level of cover for your caravan’s contents, or increase the insured limit for specific items of value.
- Lay up cover. If there are specific months of the year where you know you won’t be using your caravan, you could qualify for a discount on your premium. Some insurance brands allow you to nominate up to six non-consecutive months of the year for reduced cover. Keep in mind that you won’t be protected if you do use your caravan or trailer during a lay-up month.
- On-site cover. If your vehicle is unregistered and kept stationary at one location, you could be eligible for a discount on your premium.
How much does caravan insurance cost?
The cost of taking out caravan insurance in NSW varies depending on the value of your caravan or trailer and what you’ll be using it for.
- Touring caravan insurance. If your caravan is on the road, then your policy will function a lot like car insurance. How much your policy costs will be affected by the age and model of your caravan, as well as your claims history. You’ll usually be able to choose between a comprehensive policy, third party only or something in between.
- On-site caravan insurance. If your caravan is stationary at a caravan park or on your own property, then your policy will work a lot like home and contents insurance. How much you pay will be determined by how much you choose to insure your caravan’s contents for.
What won't be included in my policy?
Before you take out any kind of insurance policy, make sure that you read over the general exclusions that may apply. There are no additional costs or exclusions specific to caravan insurance in NSW, but it’s important to note that you won’t be covered for certain situations or circumstances, including:
- Damage or incidents that occur outside of Australia.
- Loss of value or depreciation of your caravan, trailer or annexe.
- Damage caused by animals, insects or vermin.
- Theft arising as a result of your caravan or trailer being left unsecured.
- Flood, storm or bushfire damage within the first 72 hours of your policy commencing.
- Unsafe, reckless or illegal use of your caravan or trailer.