Australian Caravan Insurance

Whether you’re planning a caravanning lap of Australia or just buying a caravan to enjoy short weekends away, it’s essential to insure your new home away from home. Australian Caravan Insurance is a specialist provider of comprehensive insurance cover for caravans, campervans, trailers, horse floats and more.

Australian Caravan Insurance is a trading brand of NM Insurance Pty Ltd, an insurance agency that operates throughout Australia and New Zealand. Its policies are underwritten by AIG Australia.

Compare caravan insurance from Australian Caravan Insurance

What policies does Australian Caravan Insurance offer?

Australian Caravan Insurance offers its comprehensive caravan insurance policy to Australian caravan owners. This policy provides cover for loss or damage to your caravan caused by accident, fire, flood, hail, malicious damage, storm, theft and more. It also includes cover for machine or appliance motor burnout, emergency repairs, temporary accommodation if you’re more than 100km from home or in your usual home and cover for the contents of your caravan.

You can tailor the policy to cover your caravan in a wide variety of circumstances, such as if it is located permanently on-site in a commercially operated caravan park or if you want lay-up cover to reduce premiums during the months you don’t use your van.

What does Australian Caravan Insurance cover?

Comprehensive caravan insurance from Australian Caravan Insurance includes the following benefits:

Be sure to read the product disclosure statement on the provider's website to know what's covered.

Are there any optional covers?

You can also add the following optional extras to your policy:

• Permanent on-site caravans. This optional benefit includes cover for removal of debris and cover for garden sheds.
• Hire out cover. By selecting this option, you’ll still be covered if you choose to hire out your caravan to someone else.
• Lay-up cover. This option entitles you to a premium discount of 2.5% per month during a selected period when your caravan is not in use.

What isn’t covered?

Your Australian Caravan Insurance policy does not cover the following situations and events:

Check the product disclosure statement for a full list of general exclusions that apply.

What excess is charged?

When you make a claim on your Australian Caravan Insurance policy, you’ll need to pay an excess to contribute towards the cost of the claim. The following excesses apply:

• Basic excess. You must pay this on each claim.
• Age excess (16-20 year old driver). This excess is payable on claims when the person driving the vehicle at the time of the loss is aged 16 to 20 years old.
• Age excess (21-24 year old driver). This excess is payable on claims when the person driving the vehicle at the time of the loss is aged 21 to 24 years old
• Inexperienced driver excess. This excess is payable on claims when the person towing your caravan is over the age of 25 but hasn’t held their licence for at least 2 years.
• Transit excess. This excess is payable if you select optional road, rail and sea transport cover and must be paid in addition to the basic excess for any loss to your caravan while it is being transported by road (other than by towing), rail or sea.
• Hire out excess. If you select optional hire out cover as part of your policy, you need to pay this excess for every claim while your caravan is hired out by another party.
• Additional risk excess. This additional excess may be imposed based on your driving history or previous claims experience. If included on your policy, you will need to pay this excess for every claim you make.
• Mobile phone and cash theft excessThis may be payable where the theft of mobile phone or cash additional benefit applies (in place of the Basic Excess).

How do I make a claim?

If you need to make a claim, you can do so by contacting NM Insurance’s 24/7 priority claims number on 1300 940 767. You can also find a downloadable claim form online at the Australian Caravan Insurance website or submit your claim directly through the web portal.

You’ll need to provide any proof the insurer requests in order to process your claim. This may include police reports, written statements and receipts.

Some final questions you might have

• Is there a cooling-off period?

  Yes, a 21-day cooling-off period applies. If you cancel your Australian Caravan Insurance policy within the first 21 days, you’ll receive a full premium refund.

• Will I always have to pay an excess when I claim?

  No. If the insurer considers that an accident for which you are claiming is not your fault, and if you can prove that another person was completely responsible, your insurer will waive the excess. However, you must be able to tell the insurer the name, current address and vehicle registration number of the other driver, and the insurer must agree that they are responsible.

• What factors affect the cost of my premium?

  The following factors can all have an impact on your premium:

  • Cover limits and excesses
  • Your insurance and claims history
  • The age of your caravan
  • Any discounts that apply

• Does Australian Caravan Insurance offer a no-claim bonus?

  Yes. A no-claim bonus discount may apply to your premium if you have not made any recent caravan claims.

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