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Before you plan your next escape, it's important to ensure that you're protected. Some comprehensive car insurance policies include full or limited cover for caravans and trailers.
However, in most cases, NSW caravan owners will need to seek specialised cover.
Here are some of the most important things that you should know about caravan insurance in NSW to help you find an insurer that meets your needs.
Provided your Trailer or Caravan is in a roadworthy condition, it is generally covered by CTP insurance so long as it is being towed by a registered vehicle. However, this doesn't cover you for things like loss, accidental damage, or any of the valuables inside your caravan. Considering that the average caravan costs around $50,000, it's an investment worth protecting.
Getting caravan insurance will give you the peace of mind you need to travel comfortably in your home away from home, whether you regularly hit the open road or you're more of a weekend wanderer.
Caravan insurance can cover you for things like loss, accidental damage and natural disasters, as well as for accidents involving someone else's property. You can choose your level of cover based on whether you have an on-site caravan or you're about to clock some serious cross-country mileage in a touring caravan or camper trailer.
Caravan insurance can be helpfully split into two categories. Depending on what you plan on doing, you may want to choose between the following options:
Caravans come in all shapes and sizes, so it makes sense that your insurance policy should too. Some insurers offer tiered levels of protection, while others structure their policies according to what you'll be using your caravan for. If you're looking for caravan insurance in NSW, here are some examples of some of the most common things you should expect to have covered:
Comprehensive | Third Party, Fire & Theft | Third Party Property Only | |
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Accidental Damage |
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Intentional Damage |
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Storm or Flood |
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Fire |
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Theft |
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Earthquake |
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Emergency Transport, Accommodation & Repairs |
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Legal Liability |
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Towing Costs |
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Locks & Keys |
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Contents Inside Caravan |
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Solar Panel/TV Antenna |
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Animal Death/Injury |
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Although most caravan insurance policies in NSW cover common occurrences like theft, accidental damage and natural disasters, you'll also need to think about whether you need cover that's specific to the type of caravan or trailer you own. Look for the following inclusions in your policy:
Taking your unique circumstances into account will help you find a caravan insurance policy that meets your needs.
Pciture: GettyImages
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