Compare caravan insurance from Australian providers. Whether you own a pop-top, full-size tourer or fifth wheeler, find the right cover for your rig and everything inside it. 100% free.
CIL Insurance is a specialist caravan and recreational vehicle insurer with a long history in the Australian market. They understand the specific cover needs of caravan owners, from grey nomad tourers to weekend campers. Get an estimate below.
Why your caravan needs its own insurance policy, separate from your tow vehicle.
Caravan insurance is a standalone policy that protects your towable caravan, covering the structure, fixtures, fittings and often the personal contents kept inside. Your tow vehicle's insurance does not cover the caravan because insurers treat them as separate units with separate risks.
This is one of the most widely misunderstood aspects of caravan ownership in Australia. If your caravan rolls in a crosswind, sustains hail damage at a caravan park, or is stolen from a storage facility, your car insurance will not pay for any of it.
Caravan insurance is not compulsory in Australia, but with new caravans commonly priced between $30,000 and $200,000 or more, and the used market holding strong values, the cost of being uninsured after a serious incident can be devastating. Caravanning is deeply embedded in Australian culture, and the grey nomad movement has made long-distance touring a way of life for thousands of retirees. For more information about financial products, visit ASIC's MoneySmart website.
Comprehensive caravan insurance typically covers the van structure, awnings, annexes, fixed accessories such as solar panels and satellite dishes, and personal contents stored inside. Insurance is regulated by ASIC and APRA, and disputes can be taken to AFCA.
Key point: Your caravan is not covered by your car insurance. Even while being towed, the caravan needs its own separate policy. A towed caravan and a motorised campervan also require different policy types, so always confirm which product suits your vehicle.
Three main cover levels are available for caravans in the Australian market.
Covers damage your caravan causes to other people's property. Your own caravan is not protected against damage, theft or weather events.
Adds theft and fire protection for your caravan on top of third party cover. A practical option for older or lower-value vans that are kept in secure storage.
Full protection covering accidents, theft, fire, storm, vandalism and natural disasters. Usually includes contents, awnings and accessories cover as standard.
A closer look at providers popular with Australian caravan owners.
CIL Insurance is a specialist caravan, motorhome and RV insurer with decades of experience in the Australian market. They offer agreed value policies, annexe and awning cover, and optional roadside assistance tailored to touring caravans.
AAMI is one of Australia's most recognised insurance brands, offering caravan cover as part of their broader vehicle insurance range. Multi-policy discounts and 24/7 claims support are available.
Allianz provides comprehensive caravan insurance with flexible excess options and the choice between agreed value and market value settlement. Strong multi-policy discounts and a well-regarded claims process.
Budget Direct is known for competitive pricing across all insurance products. Their caravan cover includes contents and accessories with straightforward online quoting and management.
Shannons is a specialist insurer catering to motoring enthusiasts. They offer agreed value caravan cover and are a popular choice for owners of classic or high-value touring rigs.
Let's Go Insurance is another specialist provider focused on caravans and motorhomes. They offer tailored cover for touring Australians with options for roadside assistance and emergency accommodation.
The right cover depends on your caravan, how often you use it, and where it is stored.
A comparison of providers offering caravan insurance in Australia.
| Provider | Cover Types | Online Quotes | Best For |
|---|---|---|---|
| CIL Insurance | Comp, TPFT | ✓ | Specialist caravan/RV |
| AAMI | Comp, TPFT, TP | ✓ | All-rounder |
| Allianz | Comp, TPFT, TP | ✓ | Multi-policy |
| Budget Direct | Comp, TPFT, TP | ✓ | Competitive pricing |
| Shannons | Comp, TPFT | ✓ | Enthusiasts & classics |
| Let's Go Insurance | Comp, TPFT | ✓ | Specialist RV/caravan |
Disclaimer: Features and cover options may change. Always verify caravan-specific cover details directly with the provider. Report an error.
Typical coverage features for caravan policies in Australia.
| Feature | Third Party | TPFT | Comprehensive |
|---|---|---|---|
| Damage to others' property | ✓ | ✓ | ✓ |
| Theft of caravan | ✗ | ✓ | ✓ |
| Accidental damage | ✗ | ✗ | ✓ |
| Storm & weather damage | ✗ | ✗ | ✓ |
| Awnings & annexes | ✗ | ✗ | Usually included |
| Personal contents | ✗ | ✗ | Usually included |
| Towing damage | ✗ | ✗ | ✓ |
| Emergency accommodation | ✗ | ✗ | Some policies |
What caravan insurance typically does not cover in Australia.
Damage caused while towing with a vehicle that does not meet the caravan's towing requirements, including tow ball rating and braking capacity, may invalidate your cover. Always match the tow vehicle to the manufacturer's specifications.
Gradual deterioration, general wear and tear, mechanical breakdown of appliances and damage resulting from lack of maintenance are excluded from caravan policies. Regular servicing and upkeep is expected.
Damage caused by rodents, insects, mould or condensation is typically excluded. These are treated as maintenance issues, particularly for caravans stored over long periods without adequate ventilation.
Some policies require the caravan to meet minimum security standards while stored, such as having a hitch lock, wheel clamp or being kept in a locked compound. Failing to satisfy these conditions may affect theft claims.
Claims will be declined if the tow vehicle driver was under the influence of alcohol or drugs at the time of the incident. Most policies apply the legal blood alcohol limit for your state.
Standard personal caravan insurance does not cover renting your caravan to others or using it for any commercial purpose. Separate commercial cover is needed for hire fleet operations.
Key factors that influence how much you pay for cover.
Larger, more expensive caravans cost more to insure. A luxury off-road tourer worth $150,000 will attract a significantly higher premium than a basic pop-top valued at $15,000.
Newer caravans generally cost more to insure because of higher replacement values. Older vans may be cheaper to cover but can be harder to insure if they are particularly old.
Secure storage in a locked compound or garage, combined with hitch locks, wheel clamps and alarms, can reduce premiums. Street-parked caravans attract higher rates.
Caravans used frequently for touring may attract slightly higher premiums due to increased exposure on the road. However, stored vans still face theft and storm risks.
Where the caravan is stored and the regions you typically tour through affect premiums. Northern Australia may carry higher cyclone risk, while urban areas can have higher theft exposure.
Some insurers verify that your tow vehicle meets the caravan's towing requirements. A properly matched setup is viewed more favourably and may help with claims.
Indicative annual comprehensive premiums by caravan type in Australia.
Disclaimer: These are indicative estimates only. Actual premiums depend on your caravan, storage arrangements, usage and insurer. These are not quotes.
Practical ways to reduce your caravan insurance premium.
Caravan insurance prices vary significantly between providers. Getting three or four estimates takes only minutes and could save you hundreds of dollars.
Hitch locks, wheel clamps, alarms and GPS trackers can all contribute to lower premiums. Storing the van in a locked compound or garage also helps.
Many insurers offer multi-policy discounts when you insure the caravan and tow vehicle together, sometimes alongside home or contents cover.
Opting for a higher voluntary excess lowers premiums. Just make sure you can comfortably afford the excess if you need to make a claim.
Monthly payments typically include admin fees that add 5 to 10 percent to the total annual cost. Paying upfront saves money over the year.
An up-to-date inventory with photos and receipts speeds up the claims process and ensures you are not paying for more contents cover than you actually need.
Steps to follow if your caravan is damaged, stolen or involved in an incident.
Secure the scene and call 000 for emergencies. If the caravan is blocking a road, contact police assistance.
Photograph all damage to the caravan, contents, awnings and any other property involved in the incident.
Lodge your claim as soon as possible with your caravan insurer, not your car insurer. Have your policy number ready when you call.
An assessor evaluates the damage to the caravan. Contents claims may be assessed separately from structural damage.
Repairs are arranged or a payout is made based on agreed or market value. You pay your excess amount. If you are unhappy with the outcome, you can escalate to AFCA.
Key information for caravan owners in Australia.
Common questions about caravan insurance in Australia.