Compare motorhome and campervan insurance from Australian providers. Whether you own a compact campervan or a full-size A-class motorhome, find cover for your vehicle, contents and accessories. 100% free.
One of Australia's most recognised insurance brands, AAMI offers motorhome cover with flexible options for recreational and full-time travellers. Known for a straightforward claims process and competitive premiums across all states.
How motorhome insurance works in Australia and why it differs from standard car insurance.
Motorhome insurance is specialist vehicle insurance built for campervans, motorhomes, and bus conversions. Unlike standard car insurance, motorhome policies need to cover both the vehicle and the living quarters, which includes fixtures, fittings, appliances, and often the personal contents stored inside.
Australia has a thriving motorhome culture, driven in large part by the grey nomad movement and the dream of doing a lap around the country. From compact pop-top campervans to luxury A-class coaches worth $500,000 or more, motorhomes are a major part of Australian travel. Specialist insurers like CIL Insurance and Let's Go Insurance offer policies specifically tailored to motorhome owners, alongside mainstream providers such as AAMI, Allianz, and Budget Direct.
CTP (Compulsory Third Party) insurance is mandatory for all road-registered motorhomes in Australia and is managed by each state or territory government. CTP covers injuries to other people in an accident but does not protect your motorhome, contents, or other property. For that, you need voluntary cover such as comprehensive, third party property, or fire and theft insurance. For general guidance on insurance, see ASIC's MoneySmart guide to vehicle insurance.
Comprehensive motorhome insurance typically covers the vehicle structure, awnings, annexes, fixed accessories such as solar panels and satellite dishes, and personal contents. Insurance for motorhomes used as a full-time residence may differ from recreational policies, so always declare your intended usage to the insurer.
Key point: Motorhome insurance typically covers more than a standard car policy. It extends to fitted appliances, solar panels, awnings, satellite dishes, and personal contents. Make sure your policy reflects the true total value of your motorhome and everything in it. The Australian Financial Complaints Authority (AFCA) handles disputes if you have trouble with a claim.
Three main cover levels are available for motorhomes and campervans.
Covers damage you cause to other people's property only. Your motorhome, its fit-out, and contents are not covered for any damage.
Mid-tier cover adding fire and theft protection for your motorhome. Contents cover may or may not be included depending on the policy.
Full protection for your motorhome, fit-out, accessories, and contents. Covers accidents, theft, fire, weather, vandalism, and natural events.
A closer look at popular motorhome insurance providers in Australia.
AAMI is one of Australia's best-known insurance brands and offers motorhome cover with agreed value options, contents protection, and roadside assistance. Part of the Suncorp Group, with a strong reputation for accessible claims handling.
Allianz provides comprehensive motorhome insurance with cover for the vehicle, fit-out, and accessories. A global insurer with a strong Australian presence, offering flexible excess options and online management.
CIL Insurance is a specialist RV and caravan insurer in Australia. They focus exclusively on motorhomes, campervans, and caravans, offering policies tailored to the touring lifestyle with annexe, awning, and contents cover built in.
Let's Go Insurance specialises in cover for caravans, motorhomes, and campervans. They understand the needs of Australian travellers doing extended trips and offer agreed value, contents, and roadside assistance.
Budget Direct offers competitive motorhome insurance with straightforward online quoting. Known for no-frills pricing and solid cover, they appeal to owners looking for value without unnecessary extras.
The right policy depends on your motorhome, how you use it, and your budget.
A comparison of providers offering motorhome and campervan insurance in Australia.
| Provider | Cover Types | Online Quotes | Best For |
|---|---|---|---|
| CIL Insurance | Comp | Phone / online | RV specialist |
| AAMI | Comp, TPFT, TP | ✓ | All-rounder |
| Allianz | Comp, TPFT, TP | ✓ | Multi-policy |
| Budget Direct | Comp, TPFT, TP | ✓ | Competitive pricing |
| Let's Go Insurance | Comp | ✓ | Touring specialist |
| Suncorp | Comp, TPFT, TP | ✓ | Bundling |
| QBE | Comp, TPFT | Broker only | High-value motorhomes |
Disclaimer: Features and cover options may change. Always verify motorhome-specific cover availability and details directly with the provider. Report an error.
Coverage features specific to motorhome and campervan policies.
| Feature | Third Party | TPFT | Comprehensive |
|---|---|---|---|
| Third-party property damage | ✓ | ✓ | ✓ |
| Theft of motorhome | ✗ | ✓ | ✓ |
| Accidental damage | ✗ | ✗ | ✓ |
| Fixtures & fittings | ✗ | Some policies | ✓ |
| Personal contents | ✗ | ✗ | Usually included |
| Awnings & annexes | ✗ | ✗ | Usually included |
| Solar panels & accessories | ✗ | ✗ | If declared |
| Emergency accommodation | ✗ | ✗ | Some policies |
What motorhome insurance typically does not cover.
Standard motorhome insurance does not cover mechanical or electrical failures, wear and tear, or engine and transmission faults. Separate mechanical breakdown insurance may be available for this.
Personal motorhome insurance does not cover renting your vehicle to others or using it for commercial purposes. Separate commercial cover is needed if you plan to hire out your motorhome.
Damage caused while exceeding the vehicle's gross vehicle mass (GVM) or towing capacity may void your cover. Always stay within manufacturer specifications.
Claims will be declined if the driver is under the influence of alcohol or drugs at the time of the incident. Australia has strict drink-driving laws across all states and territories.
Damage from rodents, insects, mould, condensation, or gradual deterioration is typically excluded. Regular maintenance is expected to prevent these issues, especially when the motorhome is in storage.
While most policies cover standard unsealed roads, deliberate off-road driving on tracks not designed for your vehicle class could complicate claims. Check your PDS for specific road-surface conditions.
Key factors insurers consider when pricing motorhome cover.
Larger motorhomes cost more to insure due to higher replacement value and repair costs. A-class coaches and luxury models attract higher premiums than smaller campervans or pop-tops.
The total insured value includes the base vehicle plus all fit-out, appliances, and accessories. Custom builds, solar systems, and high-spec interiors increase the sum insured.
Where the motorhome is stored when not in use affects premiums. Secure indoor storage or a locked compound is viewed more favourably than street parking or open driveways.
Full-time travellers pay higher premiums than those who take the motorhome out a few times a year. Some insurers offer limited-use discounts for low-kilometre vehicles.
Younger drivers generally pay more. A clean driving record and several years of claims-free history reduce premiums through no-claims bonuses and rating discounts.
Alarms, immobilisers, GPS trackers, and secure storage all help bring premiums down. Factory-fitted security systems on newer motorhomes are viewed favourably by insurers.
Indicative annual comprehensive premiums by motorhome type.
Disclaimer: These are indicative estimates only. Actual premiums depend on vehicle value, usage, driver profile, and insurer. These are not quotes. Visit MoneySmart for general insurance guidance.
Practical ways to reduce your motorhome insurance premium in Australia.
Motorhome insurance prices vary significantly between providers. Getting at least 3 to 4 estimates takes only a few minutes and could save you hundreds per year.
Specialist motorhome insurers like CIL Insurance and Let's Go Insurance may offer better tailored cover and more competitive pricing than mainstream providers for certain vehicle types.
Alarms, immobilisers, GPS trackers, and secure storage all help reduce premiums. Many modern motorhomes come with factory-fitted security that insurers recognise.
A higher voluntary excess lowers your premium. Ensure you can afford the excess amount if you need to make a claim, especially while travelling far from home.
Multi-policy discounts are common when you insure your motorhome, car, home, and contents with the same provider. Ask about bundling when you get your estimate.
Monthly payments often include administration fees that add 5 to 10 percent to the total cost. Paying the full annual premium upfront saves money over the year.
What to do if your motorhome is damaged, stolen, or involved in an incident.
Move to a safe location if possible. Call 000 for emergencies. If the motorhome is blocking a road, contact local police.
Photograph all damage to the motorhome, contents, and any other vehicles or property involved. Note the time, date, and location of the incident.
Lodge your claim as soon as possible. Have your policy number and damage photographs ready. Most insurers have 24/7 claims lines for motorhome policies.
An assessor evaluates the damage to both the vehicle and living quarters. Contents claims may be assessed separately from structural damage to the motorhome.
Repairs are arranged or a payout is made based on your policy terms. You pay your excess. Emergency accommodation may be provided if the motorhome is your primary residence.
Key information for motorhome owners in Australia.
Common questions about motorhome insurance in Australia.
Compare motorhome insurance from Australian providers in under 2 minutes. 100% free and could save you hundreds on your annual premium.