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 |
|
|
|
| Intentional damage |
|
|
|
| Storm or flood |
|
|
|
| Fire or theft |
|
|
|
| Earthquake |
|
|
|
| Emergency accommodation, transport and repairs |
|
|
|
| Legal liability |
|
|
|
| Towing costs |
|
|
|
| Locks and keys |
|
|
|
| Contents inside the caravan or trailer |
|
|
|
| Caravan park fees |
|
|
|
| Traveller bonus |
|
|
|
| Animal death or injury |
|
|
|
| Counselling services |
|
|
|
| Annex |
|
|
|
| Caravan contents upgrade |
|
|
|
| Burnout of electric motor |
|
|
|
| Business items |
|
|
|
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.
See the likely insurance costs for 8 famous petrol heads.
Read more…Everything we know about the Tasmea Limited IPO, plus information on how to buy in.
Cash usage continues to decline, but what happens next?
SPONSORED: Not sure if your current business account is right for your needs? Use our checklist to find out.
These General Terms and Conditions ("General Terms") apply to the game of chance identified as the "Competition" in the schedule of particulars for the Competition that explicitly references the General Terms ("Competition Schedule").
Our experts compared 24 policies, 160+ features and got over 140 quotes to help you find the best pet insurance products of 2024.
Get points from Virgin while you binge on your favourite shows.
SPONSORED: Using a loan matchmaking service can be a great way to get a personal loan that suits your needs – and a better deal on it too!
Finder acknowledges that today ASIC has filed an appeal with the Full Federal Court in relation to proceedings against Finder Wallet regarding its Finder Earn product.
Save $1,800 by switching to a more affordable health fund.
Abuse and violence towards retail workers and service staff has reached disturbing new levels, according to new research by Finder.
