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Caravan insurance is insurance that protects your caravan against loss or damage due to events such as accident, storm, impact, vandalism, fire and theft.
With a background in roadside assistance, RACV is well placed to offer caravan insurance to its members. It provides a choice of Touring or Onsite caravan insurance, as well as trailer cover.
RACV is a mutual fund, which means value is returned to members through discounts and other benefits.
We don't currently have this brand on our panel. But don't fret! You can head to the RACV website or compare a bunch of other caravan insurance companies with finder.
*Always check the PDS on the provider page before making a decision.
What cover options are there with RACV caravan insurance?
Some people take their caravans away on a regular basis or even tour Australia in them when they retire, while others have their caravans located permanently in one spot, whether on their own land or in a caravan park.
RACV offers 2 different types of caravan insurance and one trailer insurance.
Comprehensive insurance in one convenient, affordable and flexible package so you can head out on holiday in your caravan knowing you are fully protected.
RACV Touring Caravan Insurance covers your caravan and contents wherever you travel in Australia. It includes:
Collision, fire, theft, storm, hail, flood, accidental or malicious damage, rainwater run-off, storm surge and more
Automatic cover for your contents up to $1,000, which you can opt to increase to a higher value
Up to $20 million liability cover for damage or injury to someone else or their property caused by the use of your caravan
Up to $100 a day for up to seven days if you cannot live in your caravan following an incident and are more than 100km from home
Reasonable storage costs for your caravan or contents if required following an incident
Towing from an incident to the nearest repairer or place of safety
Up to $500 in emergency repairs following an incident and without prior arrangement with RACV
Up to $300 for food spoilage due to a covered incident
Optional annexe cover up to an agreed value
24/7 emergency assistance from Aussie Assist when travelling
RACV Onsite Caravan Insurance
Comprehensive insurance when your caravan is located permanently in one spot so you can have peace of mind knowing that your onsite caravan and its contents are protected.
RACV Onsite Caravan Insurance covers your caravan and contents onsite against the following:
Fire, theft, lightning, hail, flood, accidental damage, malicious damage, rainwater run-off, storm surge, animal damage and more
Cover for your contents up to a chosen amount, including contents stored in your annexe
Up to $20 million liability cover for damage or injury to someone else or their property caused by the use of your caravan
Up to $100 a day to a maximum of $4,000 for temporary accommodation if you can’t live in your caravan following an incident and it’s your permanent residence
Reasonable storage costs for your caravan or contents if required after an incident
Up to $500 in emergency repairs following an incident and without prior arrangement with RACV
Up to $300 for food spoilage because of a covered incident
Optional annexe cover up to an agreed value
RACV Trailer Insurance
Collision, fire, theft, storm, hail, flood, accidental damage or vandalism, rainwater run-off, storm surge and more
Up to $20 million liability cover for damage or injury to someone else or their property caused by the use of your trailer
Legal representation costs – up to $10k
New trailer replacement if your is a write-off
Towing from an incident to the nearest repairer or place of safety
Emergency transport and accommodation costs
Up to $500 in emergency repair costs
Storage costs
Modifications, options or accessories
What kind of exclusions are there?
It's important to read the PDS in detail to understand the general exclusions which apply to RACV caravan insurance. Among these exclusions are:
Loss or damage that occurs outside Australia
Repairs to old damage
Cost of fixing faulty repairs
Tyre damage caused by road cuts, punctures, bursts or braking
Loss or damage covered under a manufacturer’s warranty
Loss, damage, injury or death caused by rust, corrosion, deterioration, depreciation and wear and tear more info button
Loss or damage due to mechanical, structural or electrical failure
Failing to secure your caravan or leaving it in an unsafe position
Using your caravan for an unlawful purpose
Damages from vermin, rodents, insects or birds
What influences the cost of RACV caravan insurance?
The cost of your RACV caravan insurance is based on the likelihood of you making a claim in the future. Your premium is calculated by assessing a number of factors including:
The type of caravan you are insuring – some vans have better safety records than others, some are more often targeted by thieves and some cost more to repair
The amount your caravan is insured for
Your driving history – whether you have a clean record or have been involved in previous accidents
Where your caravan is kept – some areas are considered higher risk than others.
The Basic excess amount you choose
Whether the caravan has finance owing on it – the type and amount of finance owing can affect the cost of your premium
Any discounts you may be eligible for such as no-claim bonus, multiple policy or loyalty discounts.
Is there any excess I should be aware of?
An excess is an amount that you contribute towards the cost of a claim. There are three types of excesses that apply to RACV caravan insurance:
Basic – you must pay a Basic excess of $200 when you make a claim, although you can opt to increase this amount (to reduce your premium) if you wish.
Age – (Touring Caravan Insurance only) an excess of $300 is payable if the driver of the vehicle towing the caravan at the time of an incident is under 25 years of age.
Hail or cyclone – an excess of $200 is payable if you make a claim for loss or damage caused by hail or a cyclone.
How do I make a claim?
Making a claim with RACV caravan insurance is fast and simple:
Call into an RACV branch or call 13 19 03.
Have your policy number with you, a police report number if applicable and details of the incident including contact details of those involved.
Your claim will be lodged and you’ll be booked in for an insurance assessment.
If your claim is successful and your caravan is damaged, RACV will pay to repair or replace the part that sustained the damage to return it as close as possible to its former condition.
If your claim is successful and your caravan is a total loss, RACV will pay you the agreed value minus all applicable excesses, any unpaid premium, the unused portion of the registration and any Compulsory Third Party Insurance premium you may be entitled to.
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Frequently asked questions
RACV caravan insurance policies are underwritten by Insurance Manufacturers of Australia, Pty Ltd. The same goes for all of RACV’s motor policies.
If you change your mind about your insurance cover for any reason, RACV provides a 21-day cooling-off period. During this period, you can cancel your policy and receive a full refund.
You won’t have to pay an excess if you claim for an incident that the insurer agrees was not your fault. Typically, you must provide the name and address of the person responsible; the amount of the claim has to be more than the excess.
Agreed value is how much you and your insurer agree upfront will be paid to you if your caravan is a total loss. Market value is how much your caravan is worth on the open market.
Alexandra Koster is Finder's publisher for car, home and pet insurance. She has a Tier 1 certification in General Insurance, as well as a Bachelor of Arts in Film and Cultural Studies from the University of Sydney. Her hobbies include reading Product Disclosure Statements and deciphering complicated insurance lingo to help people save on their insurance so that they can spend their money on better things – like dogs.
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I would a quote for comprehensive insurance of our 2019 Jayco journey outback 16ft caravan. We live West End Townsville.