Caravan and Trailer Insurance

It also provides up to $20 million legal liability cover 1 , which can cover you if you’re found liable to pay compensation to someone because you’ve accidentally damaged their property.

Has your caravan or trailer been damaged or stolen? Start your claim online or call
13 10 13 . We have a team available 24 hours, 7 days a week to assist you.

What our Caravan and Trailer Insurance covers

Whether you have a caravan, trailer, camper trailer or horse trailer, our Caravan and Trailer Insurance is designed to keep you moving.

• Accidental loss or damage
• Cover for accidental physical loss (including theft) or physical damage to your caravan or trailer. We may either repair your caravan or trailer, pay the reasonable cost of repairs, or pay you the market or agreed value your caravan or trailer is insured for as shown on the current schedule.

• New replacement after a total loss
• If your caravan or trailer was purchased new by you and becomes a total loss within two years of the original registration date, we’ll replace it with a new caravan or trailer of the same make, model and series. 2
  

• Legal liability cover
• Up to $20m legal liability cover. Provides cover if you’re found liable to pay compensation for loss or damage to someone else’s property caused by an accident which is partly or fully your fault. 1
  

• Legal costs
• Provided we agree in writing, we’ll pay for all legal costs and expenses in defending any court proceedings which may arise from a claim for accidental loss, damage or liability covered by your policy. This excludes all legal costs and expenses relating to any criminal or traffic proceedings.

• Caravan and trailer contents
• Cover for loss or damage to your contents up to the amount shown on your Schedule because of either an accident where your caravan or trailer is accidentally damaged at the same time, or theft following forced entry to your caravan or trailer.

• Transportation costs
• We’ll reimburse you up to $400 for transportation costs if your caravan or trailer can’t be safely driven home after being involved in an accident, maliciously damaged or stolen and recovered in damaged condition. This also includes transportation to collect your caravan or trailer after it has been repaired.
  

• Towing
• We’ll pay the reasonable cost of protection, removal and towing of your caravan or trailer to the nearest repairer, place of safety or agreed secure location following a covered incident.

• Temporary accommodation
• We’ll reimburse you the reasonable cost of necessary temporary accommodation up to $400 for any one covered accident, which causes your caravan or camper trailer to be uninhabitable. 3

• Stolen caravan or trailer
• If your caravan or trailer is stolen, we'll pay the reasonable costs of recovery from any place within Australia. Our maximum payment will be the lesser of the sum insured or the market value of your caravan or trailer at the time it was stolen.

• Emergency repairs
• We’ll reimburse you up to $500 for the cost of emergency repairs needed to tow your caravan or trailer to its intended destination following a covered accident.

• Spoilage of food
• When we pay a claim for loss or damage to your caravan, trailer or contents, we’ll pay up to $200 for food that's damaged by the same event and can't be eaten.

• Temporary cover if you replace your caravan or trailer
• If you permanently replace your caravan or trailer, we’ll provide temporary cover for the replacement caravan or trailer from the date of purchase up to a maximum of 14 days. If you'd like the insurance cover to continue, and we agree, you must provide us with all the details of your replacement caravan and trailer and pay any additional premium we require.

• Breakdown
  
• Mechanical or electrical breakdowns, failures, or breakages to your caravan or trailer.

• Used by an unlicensed or disqualified driver
• Used by a driver under the influence of drugs, alcohol, who refused to take a drug or alcohol test or was otherwise impaired
• Overloaded or carrying more passengers than legally allowed
• Being towed by or was attached to a vehicle which wasn’t equipped to tow your caravan or trailer according to relevant laws, by-laws and regulations
• Used in an unsafe or unroadworthy condition
• Used for hire or business
• Used in motor sports, time trial or motor trade
• Deliberately damaged by you or someone acting with your consent
• Devalued or depreciated through wear and tear, rust, or corrosion
• Lawfully seized or used in an illegal way

• Fusion

• If an electrical current damages the electrical motor of one of your contents, we’ll either pay the reasonable cost to rewind the motor or replace the motor up to a maximum of $300.
• If your caravan or trailer was purchased new by you and becomes a total loss within two years of the original registration date, we’ll replace it with a new caravan or trailer of the same make, model, and series. 2
• We’ll pay the reasonable cost of protection, removal, and towing of your caravan or trailer to the nearest repairer, place of safety or agreed secure location following a covered incident.
• If your caravan or trailer is stolen, we’ll pay the reasonable costs of recovery from any place within Australia. Our maximum payment will be the lesser of the sum insured or the market value of your caravan or trailer at the time it was stolen.
• When we pay a claim for loss or damage to your caravan, trailer, or contents, we’ll pay up to $200 for food that’s damaged by the same event and can't be eaten.
• If you permanently replace your caravan or trailer, we’ll provide temporary cover for the replacement caravan or trailer from the date of purchase up to a maximum of 14 days. If you’d like the insurance cover to continue, and we agree, you must provide us with all the details of your replacement caravan and trailer and pay any additional premium we require.
• Mechanical or electrical breakdowns, failures, or breakages to your caravan or trailer.
• Damage to tyres caused by application of the brakes or by road punctures, cuts, or bursts.

This is a summary only of some of the features and benefits available on Allianz SureCover Trailer and Caravan Insurance, as well as some of the exclusions. Before deciding on a policy, carefully consider the relevant Product Disclosure Statement (PDS) and Supplementary PDS (where applicable) which set out the standard terms, conditions, limits, and exclusions.

How to make a claim

Make a claim on your Caravan and Trailer Insurance using our online claims form or call 13 10 13 to speak to a consultant.