Our verdict
Pros
- QBE's comprehensive policy covers you for up to $30,000,000 for legal liability – many insurers only include up to $20,000,000.
- QBE insures your caravan or trailer for an agreed value, giving you more control than policies that only offer market value.
- Optional lay up cover allows you to save on your premium if there's months where your caravan or trailer won't be in use.
Cons
- Contents cover is an optional add-on; other insurers such as Youi include personal possessions in their standard comprehensive cover.
- QBE Caravan & Trailer insurance covers up to only $500 in emergency expenses or repairs. Other insurers cover up to $1000.
- We found the Product Disclosure Statement (PDS) to be a bit vague, which can make it hard to understand what your policy covers you for.
When taking out comprehensive caravan insurance, you can add on some or all of the following options for an increase to your premium:
- Excess free windscreen/glass cover. If your windows are broken accidentally, QBE won't charge an excess.
- Hire car. If your caravan is stolen or undriveable following an accident, you will be reimbursed for up to 14 days of replacement hire.
- General contents. By default, your caravan or trailer contents are not covered by QBE. This option will protect possessions kept inside the caravan or trailer, up to $750 per item, with a number of general exceptions.
- Specified contents. The reasonable cost to repair or replace an item up to the sum insured for that item listed on the Policy Schedule.
- Lay up cover.This is a discounted premium for up to six months of your insurance period when you're not using your vehicle.
- On-site cover.A discount on your premium when your caravan is kept in one location.
If you lodge a claim, you will most likely be required to pay one of the following excesses. A number of excesses can apply for a single incident. These are the main ones:
- Vehicle excess. Every vehicle carries a standard excess that must be paid for any incident.
- Cyclone excess. This applies when the incident involves a named cyclone.
- Imposed excess. When insuring certain types of vehicles, QBE may require this extra excess in order to provide cover.
- Named driver excess. Certain insured drivers will carry a particular excess, which is defined at the time you take out the policy.
The only time you will not have to pay an excess is if you are not at fault for an accident and you can provide the full details of the party who is at fault.
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