How to get cover for an onsite caravan
- Get a regular caravan insurance policy.
- Let them know that you’re not driving it around.
- Make sure you get extra contents cover for those valuables inside.
Onsite caravan insurance is for those whose caravan is staying put and in one place. It covers the van and your possession in case of accidental damage, break ins, theft, fire, fallen trees and a bunch more.
An onsite caravan stays in one place, rather than travelling around. This means that if your caravan is staying in a caravan park or in your backyard, then your insurance needs will be very different than if your caravan is constantly on the road. In a lot of ways, insurance for an onsite caravan is similar to home insurance in terms of what you’ll need to be covered for.
Some companies will offer cover tailored to onsite caravans. Others may just offer a generic caravan insurance policy where you’ll have to let them know that it’s not moving.
In either case, onsite caravan insurance should usually include cover for the following:
Moving caravan insurance treats the caravan like a combo of a car and home, so it covers for the sorts of things you’ll be seeing on the open road as well as the hazards of a stationary environment. A moving caravan will need liability cover in case it injures someone, lay-up cover (see below) if it’s going into storage and roadside assistance in case it breaks down.
Onsite caravan insurance (also known as static caravan insurance) looks at the caravan as more of a home than a car. This means you may need increased contents insurance to safeguard pricey stuff and landlord insurance if you rent it out. If you do move it, you will need to notify your insurer or risk voiding your insurance.
It’s worth looking at some of the extras offered by different companies. Generally speaking, there are a few things you’ll want to keep in mind.
The excess you’ll need to pay depends on the level of cover you’ve selected. If you’ve opted for higher premiums, your excess will be lower than if you’ve opted for less expensive premiums. It depends on whether you feel more comfortable with higher ongoing expenses or the possibility of a big lump sum.
Insurance companies usually offer a couple of ways to make a claim. You can usually contact them by phone or through their website. You might need to send through supporting evidence to validate your claim. This can include receipts, warranty info, valuations and appraisals. Companies will generally want this info so they can make sure you aren’t subject to any of the exclusions mentioned earlier.
finder.com.au is one of Australia's leading comparison websites. We compare from a wide set of major banks, insurers and product issuers.
finder.com.au has access to track details from the product issuers listed on our sites. Although we provide information on the products offered by a wide range of issuers, we don't cover every available product. You should consider whether the products featured on our site are appropriate for your needs and seek independent advice if you have any questions.
Products marked as 'Promoted' or "Advertisement" are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options and find the best option for you.
The identification of a group of products, as 'Top' or 'Best' is a reflection of user preferences based on current website data. On a regular basis, analytics drive the creation of a list of popular products. Where these products are grouped, they appear in no particular order.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment.
We try to take an open and transparent approach and provide a broad based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labelling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
Providing or obtaining an estimated insurance quote through us does not guarantee you can get the insurance. Acceptance by insurance companies is based on things like occupation, health and lifestyle. By providing you with the ability to apply for a credit card or loan we are not guaranteeing that your application will be approved. Your application for credit products is subject to the Provider's terms and conditions as well as their application and lending criteria.