A caravan or trailer is more than a house on wheels – it’s a home, as unique as the people who live in it. While most insurers will give you a policy, Youi works out which is the best for you. By going into the details of how you use your home away from home, Youi bases your cover on both your record and use of caravan or trailer.
Review by our travel insurance senior writer James Martin
Youi offers a range of insurance policies, but even its most basic cover will give you protection should you damage someone else’s property, and all policies include counselling services, as well as a traveller bonus if you are travelling to each state and territory. Here is what you can choose from:
| Benefits | Comprehensive | Third party, fire and theft | Third party property only |
|---|---|---|---|
| Accidental damage |
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| Intentional damage |
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| Storm or flood |
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| Fire or theft |
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| Earthquake |
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| Emergency accommodation, transport and repairs |
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| Legal liability |
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| Towing costs |
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| Locks and keys |
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| Contents inside the caravan or trailer |
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| Caravan park fees |
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| Traveller bonus |
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| Animal death or injury |
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| Counselling services |
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| Annex |
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| Caravan contents upgrade |
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| Burnout of electric motor |
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| Business items |
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On top of its extensive list of inclusions, Youi offers a few additional options for extra cover, including:
As with all policies, there are exclusions you should be aware of, so be sure to read the fine print. General exclusions are:
Whenever you make a claim, you’ll need to pay a basic excess. You may be given the option of choosing your payable excess, but this will then affect the cost of your premiums. Certain situations will require you to pay an additional excess; these will be outlined in your policy. If your caravan or trailer was being driven or towed by someone not on your policy, you will have to pay an additional excess.
Youi simplifies the claim process with a single point of contact. If you need to make a claim you simply call up, and the person to answer you is the person who’ll see your claim through to satisfaction. It’s important to remember that each claim can only relate to 1 incident and that you must take all reasonable steps to minimise and prevent any loss or damage.
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