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 ideally placed to offer caravan insurance to its members and it provides a choice of Touring or Onsite caravan insurance, depending on your needs.
RACV is a mutual fund, which means value is returned to members through discounts and benefits and its caravan insurance policies are underwritten by Insurance Manufacturers of Australia, a subsidiary of NRMA Personal Lines Holdings Pty Limited.
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What cover options does RACV offer?
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.
That’s why RACV offers two different types of caravan insurance.
RACV Touring Caravan 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
What kind of exclusions are there?
Whilst it's important to read the PDS in detail, there are some general exclusions that apply to RACV caravan insurance. Some of these include:
- Loss or damage that occurs outside Australia
- Loss or damage that occurs while your caravan is on consignment
- Loss or damage less than the excess payable
- Claims for incidents that occur outside the policy period
- Repairs to old damage
- Loss of value
- 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
- Loss or damage due to faulty design, fusion of electric motors, the repair of an item that explodes or that liquid escapes from
- The lawful seizure or confiscation of your caravan
- Rebellion, riot or war (whether formally declared or not)
- Loss or damage due to mechanical, structural or electrical failure
- Failing to secure your caravan or leaving it in an unsafe position
- Radioactivity or the use or escape of any nuclear fuel, material or waste
- Pollutants or contaminants that discharge or escape
- Any act of terrorism
- Using your caravan for an unlawful purpose
- Vermin, rodents, insects or birds
- A breach of or an obligation under a contract
How much does RACV caravan insurance cost?
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.
