RACQ Caravan Insurance Review

Cover your caravan, trailer, horse float or box trailer with RACQ caravan insurance.

Not enough reviews Write a review
James Martin's headshot

By

James Martin

Updated

Fact checked

Key takeaways

  • 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 accommodation 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

2 of 2 results
Accidental Damage Flood New Vehicle Replacement Agreed or Market Value Annex cover Choice of Repairer
RACQ logo
RACQ Caravan Insurance
Agreed
View details
Compare product selection
RACQ logo
RACQ Trailer Insurance
Agreed
View details
Compare product selection
loading
Showing 2 of 2 results
*Be sure to check the product disclosure statement (PDS) on the provider page to help you make the right choice.

What policies are available with RACQ caravan insurance

RACQ Caravan and Trailer Comprehensive Insurance offers 2 types 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 include 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 may be covered for ground transport costs (up to $500) if you are 100km or more from home and the vehicle towing your caravan or trailer is not driveable as the result of an incident.

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 or trailer 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 (the policyholder) or an immediate relative is fatally injured in an unattached caravan incident that causes loss or damage (and where the policyholder or immediate relative was in control of the caravan).
  • 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 or trailer 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 licensed 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. Here's how excesses work with RACQ Caravan and Trailer Comprehensive Insurance:

  1. Basic excess. This applies to all claims, whether you, someone else or something else caused the damage, but you may not have to pay it if RACQ agrees another driver was entirely responsible for the incident.
  2. Your Certificate of Insurance. This shows the excess amounts that apply to your policy.

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

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.

If you don't live in an area covered by RACQ, compare more caravan insurance today.

Compare other products from RACQ

James Martin's headshot
Written by

Journalist
Add to Preferred Sources

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). See full bio

James's expertise
James has written 167 Finder guides across topics including:
  • Car, home, life, health, travel and pet insurance
  • Managing the cost of living
  • Money-saving tips
More resources on Finder

Get rewarded $$ for switching with Finder Rewards

Find a better deal, save on your bills and get a free gift card. Sign up to be the first to hear about new Finder Rewards.

Ask a question

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

More guides on Finder

Go to site