Caravan Insurance Victoria

Travelling Victoria in your caravan? Here's how to find the right policy before your big journey.

Whether you are planning a road trip along the Great Ocean Road or setting up camp at a caravan site, there are a number of things you should consider when searching for caravan insurance in Victoria.

We've put together some insurers that insure caravans to help you find the right policy for you.

12-Apostles-Victoria-Caravan

Compare caravan cover in Victoria

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 logo

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

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 Insurance

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

Why do I need caravan insurance?

When you’re out and about it’s important to be aware of potential risks on the road. Whether you’re stationed in a caravan park, moving house or going on that dream-of-a-lifetime road trip, insuring your caravan in the event of an incident means you’re not left in the lurch.

Compulsory third party insurance typically covers your car and any towed vehicle, but this isn’t always the case. Insurers offer a wide range of policies to suit almost every need. Read on to explore your options.

What types of caravans can I get covered?

Types of vehicles common in Australia include:

What should I consider when purchasing caravan insurance in VIC?

While it’s possible to find a broad policy, it’s important that unique circumstances are supported by whichever policy you opt for. Some common queries are outlined below to assist in purchasing a suitable caravan insurance policy:

  • Collision or crash. If an accident occurs are you and any third parties covered by your policy?
  • Natural disaster. Will you be covered if your caravan incurs damage from flooding, storm or fire?
  • Emergency accommodation. If an accident or disaster renders your caravan unlivable, will your insurer assist you in finding temporary accommodation?
  • Contents. Are items fixed to the caravan, such as white goods, included in your policy?
  • Caravan replacement. Will the vehicle be replaced in the event of an incident?
  • Lay-up. Does the insurer offer a reduced premium if your caravan is in storage up to 6 months per year?

What kind of caravan insurance is offered in VIC?

We’ve outlined below some features of the most common policies available for caravan insurance in Victoria.

Cover Comprehensive Third party fire and theft Third 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

What optional extras are there?

Whatever your circumstance, there’s a number of options offered by insurers to make sure you’re protected. Some common additions include:

  • Animal death/injury. Check what type of protection your policy offers pets on vacation.
  • Locks and keys. Loss of keys or lock damage due to theft.
  • Motor burnout. Roadside assistance in the event of a mechanical mishap.
  • Lay-up cover. Reduced premiums if you use your caravan less than 6-months of the year.
  • On-site coverage. Recognises the on-site storage of your caravan.

What does caravan insurance cost?

This depends on a variety of factors like the model of your caravan, general usage and storage. Generally, caravan insurance costs are determined by these categories:

What can affect your caravan insurance premium?

Premiums are calculated by your likelihood of putting forward a claim. The common things factored into the cost of premiums are:

  • Purpose. Is your caravan for business, leisure or both?
  • Security. Do you keep your caravan in a garage or on the street? Is it fitted with a security system?
  • Location. Which suburb is your caravan kept?
  • Depreciation. The general rate of depreciation for caravans is approx. 5% per annum.

Are there any exclusions and additional costs to be aware of in VIC?

Additional costs vary according to your chosen policy, while exclusions ensure you operate within its limits. Things that might void the conditions of your insurance include:

  • If your car is unregistered and an incident occurs involving any towed vehicle.
  • Renting your caravan to a third party when this isn’t outlined in your policy.
  • If an accident happens and the driver is over the legal limit of alcohol or drugs.
  • Some insurers will not cover the repair of your caravan’s exterior if the damage is minor (chips or scratches).

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