Caravan insurance QLD

Hitting the roads of Queensland in your caravan? Here's how to get protected.

Queensland is Australia's second largest state. As a result, there's a lot of different issues you can encounter with your caravan while touring or on-site.

Luckily, we've made getting cover for your caravan simple and straightforward. This article will outline some of the most important things you should consider when taking out caravan insurance in Queensland.

Compare caravan insurance in Queensland

Here you can find caravan insurance options from Finder partners and see how they stack up against one another.

	Emergency expenses	Temporary accommodation	Contents	Annex cover	Discounts
AAMI	$1,000	$150/day for 30 days (on-site) or 14 days (on-road)	$1,000	Optional	No
Youi	$1,000	$1,000	$750	Optional	No
NRMA	$1,000	$100/day up to $4,000 (on-site) or 7 days (on-road)	$1,000	Optional	10% loyalty discount
QBE	$500	$1,000	Optional	Yes	No
GIO	$1,000	$150/day for 30 days (on-site) or 14 days (on-road)	$1,000	Optional	10% multi-policy discount
CGU	$1,000	$100/day for 5 days	Optional	Yes	20% off
CIL	$500	$100/day for 20 days (on-site) or 5 days (on-road)	$1,000	Optional	10% off

What kind of cover can I get in QLD?

Insurers usually offer coverage based on the type of caravan you own, such as:

• Caravans. This includes on-site, touring and camper caravans.
• Trailers. Includes car, box and boat trailers.
• Horse floats. Can include damage to your float and towing cover.

Caravan insurance also varies according to the type of caravan you own and how you use it.

• Touring caravan insurance. If you own a campervan, horse-float or trailer, then your insurance will operate much like car insurance. In Queensland your vehicle's compulsory third-party insurance (CTP) extends to your towed vehicle, but is further affected by the age and model of your caravan, plus any additional extras such as contents or animal insurance. Available types of insurance include a comprehensive policy, third party only, or third party plus fire and theft.
• On-site caravan insurance. If your caravan is predominantly stationary then your insurance will operate like home and contents insurance. Cost will be determined by what you choose to insure as well as your claim history.

What does caravan insurance cover in QLD?

Queensland is Australia's second largest state. This means someone in Cairns may be looking for very different cover than someone in regional Queensland. To make finding the right cover for you easier, we've compiled a table to help you see what's included with each type of cover.

Queenslanders have the option of choosing from comprehensive, third party fire & theft and third party property damage cover.

Things to consider when buying caravan insurance in QLD

Below are some of the unique issues you can face in a caravan in Queensland and how you can get cover.

• Natural disasters. Does your policy protect you in the instance of natural disasters like earthquakes? This is especially important in Queensland as natural disasters unfortunately occur more than we would like.
• 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. If your caravan is damaged beyond safe usage, will your policy assist you in finding 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.

Picture: GettyImmages