RACQ Caravan Insurance covers residents in Queensland and parts of Northern NSW; policyholders become members.
It provides $20 million liability cover with options for temporary accommodation and increased contents cover.
Costs are affected by caravan type and location; a discount is available for roadside assistance.
Our Verdict
RACQ caravan insurance gives you peace of mind that your caravan and contents will be covered Australia-wide. You can unlock a range of RACQ member benefits too – from 4c fuel savings to movie tickets. Plus, you can rest easy you'll have 24/7 assistance should you need it.
Pros
Temporary accomodation available if your caravan is unfit to live in.
Score a discount on your premiums if you hold RACQ roadside assistance.
Cons
Loyalty and bundling discounts can be a trap - make sure you look around to find the best deal.
Review caravan insurance from RACQ
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What policies are available with RACQ caravan insurance
RACQ provides 2 levels of cover: Comprehensive Caravan Insurance and Comprehensive Trailer Insurance.
Both cover you for loss or damage – either to your caravan or trailer – caused by a range of specified incidents such as accidents, theft and natural weather events such as storms or floods. They also provide up to $20 million in third-party liability cover.
With RACQ's Caravan Insurance policy, you can choose to pay more and add further contents cover up to an amount you nominate – this isn't available with Comprehensive Trailer Insurance. The caravan policy already comes with up to $500 in cover for contents such as electrical appliances, bedding and furniture.
Whether you have a caravan, trailer, horse float or box trailer, you can access 24/7 emergency assistance, should you become ill or injured more than 100km from home.
What do the policies cover?
RACQ Caravan Comprehensive Insurance provides comprehensive cover for your caravan that includes:
Damage caused by a collision, weather event, fire, malicious act, theft or attempted theft.
Up to $20 million liability cover if your caravan causes damage to other people's property.
Choice of repairer.
Temporary accommodation costs for you and your family – up to $100 a day, for 7 days.
Up to $500 for loss or damage to valuables as a result of an incident or theft.
Up to $500 for emergency repair works
14 days cover for your new caravan if you sell it or replace it with a similar type
Up to $7,500 if you or a family member dies from an injury sustained during an incident.
Up to $500 for ground transport costs if you are 100km or more from home and the vehicle towing your caravan is not driveable as the result of an incident.
Up to $500 for damage or loss of tools and accessories not fitted by the manufacturer as a result of an event, accident or theft.
Towing and storage after an accident or theft, for up to 30 days.
The option to increase your contents cover.
RACQ Trailer Comprehensive Insurance provides comprehensive cover for your trailer that includes:
Damage caused by a collision, weather event, fire, malicious act, theft or attempted theft.
Up to $20 million liability cover if your caravan causes damage to other people's property.
Choice of repairer.
14 days cover for your new trailer if you sell it or replace it with a similar type
Up to $500 for ground transport costs if you are 100km or more from home and the vehicle towing your trailer is not driveable as the result of an incident.
Towing and storage after an accident or theft, for up to 30 days.
What won't be covered?
General exclusions that apply to RACQ Caravan Insurance where a benefit wouldn't be paid include:
Use outside Australia
Use for any purpose other than private, social, domestic or pleasure
Use in an unlawful way or for an unlawful purpose
Any deliberate act by you or anyone else with permission to use your caravan
If you are under the influence of non-prescription drugs or alcohol above the legal limit
If you leave the scene of an incident before police arrive
If you are not licenced to drive the vehicle towing your caravan or don't comply with any condition of your driver's licence
If an incident results from a non-compliant gas bottle
Using your car or caravan in an unroadworthy or unsafe condition
Failing to take reasonable precautions for the safety and security of your caravan
What affects the cost of RACQ Caravan Insurance?
A range of factors is considered when calculating the cost of your RACQ caravan insurance. These include:
Accessories and modifications. Accessories may attract thieves and modifications can affect your caravan's performance, handling and braking.
Address and location. Whether your caravan is kept on the road or in a garage; and whether the area you live in has a high number of claims, including thefts.
Caravan type. The size, make and model, cost of replacement parts and safety record can all affect the risk of a claim.
Your claims history. Whether or not you have made claims in the recent past. In general, expect to pay more if you have a history of at-fault accidents.
Any optional benefits you choose. These will increase the cost of your premium.
Any discounts you are eligible for. Any no-claim bonuses, or multi-policy discounts, can lower the cost of your premium.
RACQ Caravan Insurance excess
An excess is an amount that you must contribute towards the cost of a claim. There are 2 types of excesses that apply to RACQ Caravan Comprehensive Insurance:
Basic excess. This applies to all claims (except for not-at-fault claims).
Listed driver excess. An additional excess must be paid on top of the basic excess should the loss or damage occur while another regular driver is behind the wheel.
Making a claim
If you need to make a claim under your RACQ Caravan Comprehensive Insurance policy, simply call RACQ on 13 72 02 or visit an RACQ store. In most cases, RACQ will lodge your claim for you, without you needing to fill out a claim form.
When making a claim, be sure to follow these steps;
Tell RACQ about the incident and lodge your claim as soon as possible.
Make sure you get the name, address and phone number of each person involved in the incident and the make, model and registration details of any vehicles involved.
If necessary, report it to the police immediately and make sure you have the police officer’s name and incident number when you lodge your claim.
Do everything you reasonably can to limit any further loss or damage to your caravan.
Frequently asked questions
RACQ is a Queensland company and can insure you if you live anywhere within the state or in some areas of Northern New South Wales.
If you're not already an RACQ member, you automatically become one when you take out an RACQ insurance policy.
Market value is the value of your caravan on the open market. Agreed value is how much you and your insurer agree will be paid to you if your caravan is written off.
The moment RACQ accepts your application. This is your Policy Commencement Date and will be shown in your Policy Schedule.
You can change your mind for any reason during RACQ's 21-day cooling-off period and can cancel your policy and receive a full refund. After 21 days, you will not receive a refund of any premiums paid.
If you claim for an incident that was not your fault and you have the name and address of the party responsible, you will not have to pay the excess.
Bottom line about RACQ caravan insurance
RACQ caravan insurance gives you peace of mind that your caravan and contents will be covered Australia-wide. You can unlock a range of RACQ member benefits too – from 4c fuel savings to movie tickets. Plus, you can rest easy you'll have 24/7 assistance should you need it.
James Martin was the insurance editor at Finder. He has written on a range of insurance and finance topics for over 7 years. James often shares his insurance expertise as a media spokesperson and has appeared on Prime 7 News, Insurance News, 7NEWS and The Guardian. An experienced journalist, James' work has featured in publications including The Irish Times, Companies100 and In Business. He holds a Tier 1 General Insurance (General Advice) certification and a Tier 1 Generic Knowledge certification, both of which meet the requirements of ASIC Regulatory Guide 146 (RG146).
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