Finder makes money from featured partners, but editorial opinions are our own.

Caravan insurance QLD

Bushfires, storms and theft: Compare 25+ caravan insurance QLD policies

Name Product Accidental Damage Flood New Vehicle Replacement Agreed or Market Value Annex cover Choice of Repairer
Youi Comprehensive Caravan & Trailer
Market
Optional
No
QBE Caravan & Trailer
No
Agreed
CGU Caravan
Optional
Market
CIL Caravan Insurance
Market
Optional
NRMA Touring caravan
Agreed
Optional
No
loading
Don't forget to check the Product Disclosure Statement (PDS) to make sure you get the right cover.

Caravan on the road

What kind of vehicles does caravan insurance cover in QLD?

Caravan insurance is suitable for the following vehicle types in QLD:

  • Caravans. Of course, caravan insurance covers caravans, but this also includes touring caravans and camper caravans. In Queensland your vehicle's compulsory third-party insurance (CTP) extends to your towed vehicle so you don't need to have insurance for your caravan. For on-site caravans, it might be worth looking into on-site caravan insurance which functions more like home and contents insurance.
  • Trailers. Caravan insurance also includes trailer insurance, since they are both generally vehicles which you attach to a car and tow. Caravan insurance can cover car, box and even boat trailers.
  • Horse floats. Some caravan insurance providers include cover for floats such as a horse float. Features can include full damage cover, legal liability, storage costs and towing cover.

The three levels of caravan insurance in QLD

Like other states, you can choose from three different levels of caravan insurance in QLD.

  • Third party property only. This protects you financially if you injure someone or damage their property. It doesn't provide any cover to your own caravan at all though. If you have an expensive caravan that you want to protect, this might not be the best option for you.
  • Third party fire and theft. This provides the same cover as the above policy but it also covers you for theft and fire. It generally doesn't cover you for accidents or vandalism but it can be good value for money. Some policies also cover you for things like towing costs, key replacement and solar panels.
  • Comprehensive. The top level of cover available, this offers all that above two levels include, plus it protects you from most other types of damages, both intentional and accidental. It also covers you for a number of natural events, including storms, floods, hail, fire and earthquake, which can be important in a state like Queensland.

Keep in mind that CTP coverage is usually included as part of your car's CTP policy. This covers you for legal liability. For instance, if you injure someone with your caravan in a road accident, CTP can cover legal and medical costs. In Queensland, CTP insurance is included in your registration payment.

What kind of cover can I get?

For a more detailed breakdown of TPP, TPFT and comprehensive caravan insurance, check out the table below.

CoverComprehensiveThird Party Fire and TheftThird Party Property Damage only
Fire
  • Yes
  • Yes
  • No
Theft
  • Yes
  • Yes
  • No
Earthquake
  • Yes
  • Yes
  • No
Emergency accommodation, transport and repairs
  • Yes
  • Yes
  • No
Towing costs
  • Yes
  • Yes
  • No
Caravan park fees
  • Yes
  • Yes
  • No
Counselling services
  • Yes
  • Yes
  • Yes
Legal liability
  • Yes
  • Yes
  • Yes
Solar panels and TV antennas
  • Yes
  • Yes
  • No
Contents
  • Yes
  • Yes
  • No
Traveller bonus
  • Yes
  • Yes
  • Yes
Collision or crash
  • Yes
  • No
  • Yes
Food spoilage
  • Yes
  • No
  • No
Accidental damage
  • Yes
  • No
  • No
Intentional damage
  • Yes
  • No
  • No

Benefits worth having when you buy caravan insurance QLD

Below are some of the unique issues you can face in a caravan in Queensland and how caravan insurance can protect you financially.

  • Natural disasters. Queensland has experienced its fair share of natural disasters in recent years. Comprehensive caravan insurance can protect you financially from most of them, while third party fire and theft can provide cover for bushfires and earthquakes.
  • Adverse weather. Queensland is renowned for its extreme and often unpredictable weather. Getting cover for storms or floods could be vital, especially if you live in an area where bad weather is common.
  • Caravan park fees. In such a large state, it's likely you'll need to stay in a caravan park at some point during long journeys. Comprehensive policies can cover the costs of park fees.
  • Theft. More common in the cities, it's a good idea to get theft cover as well as cover for the contents inside your caravan.
  • Emergency accommodation or repairs. Once again, in such a big state, it can be comforting to know that if you break down far from home, your insurance can assist you in paying for accommodation.
  • Lay-up cover. Many Queenslanders use their caravan intermittently for holidays. If this is the case, you may be eligible for a discount on your premium. Some insurers offer up to six non-consecutive months of lay-up coverage, which you can opt out of at any point.

Why you can trust Finder's car insurance experts

free

We're free

You pay the same as buying directly from the car insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
expert advice

We're experts

Our team of car insurance experts have researched and rated dozens of policies as part of our Finder Awards and published 330+ guides to make it easier for you to compare.
independent

We're independent

Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of car insurance brands, making it easier for you to find a good deal.
help

We're here to help

Since 2014, we've helped 300,000+ people find car insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.

More guides on Finder

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and 6. Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

6 Responses

    Default Gravatar
    GregFebruary 23, 2022

    I am moving to Warwick, Qld and will be storing my 2002 Windsor Royale caravan at a dedicated caravan storage facility at Clifton, Qld. The van will be under cover in a fully fenced facility that has on site managers 24/7. The van will be stored here until we move into our new home at Warwick (about 6 months). We are pensioners and are looking for the best deal, can you make a recommendation?

      AvatarFinder
      JamesFebruary 24, 2022Finder

      Hi Greg,

      Thanks for your inquiry.

      The table above – which includes key policy features of leading providers in Australia – can help you compare and choose the type of cover that’s right for you.

      When you’re ready, click the ‘Get Quote’ button (where available) to get a direct quote from the insurance provider. If there is no ‘Get Quote’ button, you may visit the provider’s website directly to request a quote.

      Don’t forget to read the policy’s Product Disclosure Statement (PDS) so that you’re aware of what you’re covered for, along with any exclusions or restrictions before you apply.

      Thanks,
      James

    Default Gravatar
    ColleenAugust 24, 2021

    If you have private fully comprehensive insurance on your qld registered vehicle. Do you have to pay the CTP INSURANCE on our registration when renewing your registration.

      AvatarFinder
      JamesAugust 30, 2021Finder

      Hi Colleen,

      You won’t have to make a separate payment since your registration fee will also include your CTP insurance payment.

      Regards,
      James

    Default Gravatar
    GregOctober 26, 2018

    Hi i cant find were to put my info on my caravan so I can compare prices
    Thanks

      AvatarFinder
      JohnOctober 26, 2018Finder

      Hi Greg,

      Thank you for reaching out to finder.

      For you to start a quote and compare the prices available, you may need to click on the “Get Quote” button on the page to be routed to the provider’s page where you will be asked about your information as well as the vehicles specifications. This would then give you a quote on the price for the policy. Hope this helps!

      Cheers,
      Reggie

Go to site