Insuring over 3 million Australians, Allianz is one of the largest insurers on the market. Its SureCover Caravan and Trailer Insurance aims to provide peace of mind for those who love to live their life on the road. But does bigger mean better?
We take a look at what the policy includes, the benefits, exclusions and how to go about making a claim. Read our full guide to Allianz caravan and trailer insurance below.
As well as your registered caravan or trailer, the policy also considers any permanent fixtures, fittings, furniture and equipment as part of your caravan or trailer, as well as an annex or attached canvas awning. The policy also includes the contents within your caravan and trailer. Motorised caravans, campervans and motorhomes are not covered by the policy, nor are permanently on-site caravans or trailers.
| Caravan and Trailer Insurance | |
|---|---|
| Accidental loss or damage | |
| New replacement after a total loss | |
| Legal liability | |
| Caravan and trailer contents | |
| Depreciation value of annex after loss | |
| Legal cost | |
| Towing | |
| Emergency repairs | |
| Stolen caravan or trailer | |
| Temporary accommodation | |
| Transportation costs | |
| Spoilage of food | |
| Fusion |
Specific exclusions will depend on your circumstances and situation at the time of taking out a policy, so be sure to read the fine print before you sign anything. However, there are some general exclusions that apply. Your claim will be rejected if your caravan or trailer is:
An excess is the amount you contribute towards the cost of your claim. The amount will depend on what you are claiming against. For example, if a fridge’s electric motor burns out and there is food spoilage as well, you would have to claim and pay an excess on both incidents. Your certificate of insurance will outline the types of claims and their relevant excesses.
After an incident, be sure to call any emergency services and take all precautions to avoid further damage, loss or injury. It is important that you do not admit liability, as this will be settled by the insurance companies. Collect the registration, licence and contact information on any other driver involved in an incident. Retain any documentation, such as police reports, and contact Allianz as soon as possible to begin the claims process and access your policy benefits.
You can lodge your claim by calling 13 10 13 or online at www.allianzclaims.com.au
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