What types of caravan insurance policies are there in Victoria?
There are three main types of caravan insurance policies to choose from:
- Comprehensive: This type of policy covers you for a lot, including accidental and intentional damage, storm, flood, fire (including bushfires), towing costs, locks and keys and much more.
- Third Party Fire & Theft: This mid-range policy covers you if you damage someone else's property with your caravan and for fire and theft. However, this is the bare minimum most policies will cover you for and many also include services like earthquake cover, emergency accommodation if you breakdown, and even cover for solar panels and TV antennas.
- Third Party Property Only: If you hit or damage someone's property with your caravan, this type of policy can provide up to $20 million in legal liability. It doesn't generally cover you for much else, for instance, damage to your own caravan.
What affects the cost of caravan insurance in Victoria?
Caravan insurance costs vary depending on factors such as where you live, the value of your caravan, the level of cover you choose and how often you use your caravan. Other reasons include but are not limited to:
- The age of the caravan
- What the caravan is used for
- The address of where you normally park the caravan
- The value of any extra benefits you've included in your policy, such as annexe-cover.
- Your claims history
- Your previous insurance history
What is the best caravan insurance policy in Victoria?
Unfortunately, there's no one "best" policy, especially when it comes to caravans. That's because everyone's needs are different. However, the following list outlines some of the common features drivers in Victoria should consider getting covered.
- Collisions. Accidents are common in Victoria, so if you have an expensive caravan, it might be worth getting comprehensive cover to properly protect your caravan.
- Natural disaster. From bushfires to storms, Victoria's weather can be unpredictable, and with global warming, it's only getting worse. Protect your caravan from the elements with comprehensive or third party fire and theft cover.
- Theft. Victorians reported 53,831 incidents of theft from a motor vehicle in the last 12 months, according to 2020 statistics. The most common areas for theft were Reservoir, Dandenong and Frankston. Protecting your caravan and its contents then, could provide the peace of mind you need.
- Lay-up. If your caravan sits in the garage for any extended period of time, you might be eligible for lay-up cover. This is a good way to lower your premiums when you're not on the road.
Caravan rules and regulations in VIC
Here are some of the rules for caravanning you need to follow in Victoria. If you don't follow these rules, you risk voiding your caravan insurance. For more information, visit the state's website.
- Your caravan needs to be roadworthy.
- Your caravan must be registered.
- You are not allowed to tow anything behind the caravan.
- No one is allowed to travel inside the caravan.
- The towbar should not cover or hide the car's number plate once the caravan has been disconnected.
- The caravan can't generally be towed by a learner or P1 probationary driver.
Why you can trust Finder's car insurance experts
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.
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.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.
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.Get the latest car insurance news
6 essential car insurance questions answered for 2024
SPONSORED: Under 25 and shopping for car insurance? You'll have some questions – and we've got answers.
Read more…Avoiding “the youth tax”: How under 25s could save on car insurance in 2024
SPONSORED: How much is insurance for a car? When you're under 25, the average car insurance cost can be much higher. Here's how to avoid the "youth tax".
Read more…While you are here, you may also be interested in…
More guides on Finder
-
Compare trailer insurance
Compare trailer insurance benefits - including weather damage, vandalism, and emergency accommodation costs - to find cover that suits you.
-
Caravan Insurance Western Australia
Your guide to finding caravan insurance in WA.
-
Camper Trailer Insurance
Compare camper trailer insurance policies from Australian brands and get covered securely.
-
Motorhome insurance Australia
Need motorhome or campervan insurance, then read on here to find out what you need to know.
Ask a Question