Caravan Insurance

Caravan Insurance

Enjoy peace of mind on your journey with coverage for accidents, theft, severe weather, and more.

Includes:

• Accidents - Cover for your caravan if it's damaged in an accident.
• Fire, storm and flood - Cover for your caravan if it's damaged by fire, storm, flood or tsunami1.
• Towing - CGU pays for towing to a repairer or safe place if your caravan can't be used after an incident CGU covers
• Theft and vandalism - Cover for your caravan if it's stolen, vandalised or accidentally damaged.
• Caravan ContentsCGU covers items that are permanently kept in your caravan if they're damaged or stolen in an incident CGU covers (up to $1,000).
• Liability coverCGU covers your legal liability in certain situations if someone's injured or their property's damaged by your caravan (up to $20m)2.
• Emergency repairs CGU pays for repairs you need to make after an incident CGU covers so that your caravan's safe to use or tow (up to $800).
• New replacement If your caravan's written off in its first two years, CGU tries to replace it with a similar new caravan.
• Storage costs If your caravan can't be used after a covered incident, CGU will pay for storage until it's repaired or your claim is settled, whichever comes first.
• Food spoilageCover for spoiled food and prescription medicine up to $500 if a power outage causes your fridge to stop working.
• Temporary accommodationIf your holiday caravan can't be used after a covered incident and you're more than 100kms from home, CGU pays for temporary accommodation (up to $1,000).

Frequently Asked Questions

Are the things inside my caravan covered?
Caravan Insurance covers items that are permanently kept inside your caravan, like furniture, bedding and appliances. To cover items you take outside your caravan (like jewellery, phones and laptops), check out Home Contents Insurance.*

Can I use my caravan during the lay up period?
CGU will cover your touring caravan during the lay up period if you've told CGU and CGU agrees to the use. You'll also need to pay any extra premium that applies.*

*Important information

1. CGU may not cover you for some severe weather events during an embargo period (which is usually when CGU knows a severe weather event is about to occur).

2. CGU covers your legal liability for death or bodily injury to someone else, or loss or damage to someone else's property for an incident we cover.

3. CGU covers motors for up to 15 years after they were made, provided they are not covered by a warranty or used in your business.

Excesses and exclusion periods may apply. Refer to your Certificate of Insurance. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement.

Horizon Bank ABN 66 087 650 173 acts under its own Australian Financial Services Licence (no. 240573) acts under its own AFSL and under an agreement with the issuer Insurance Australia Limited ABN 11 000 016 722, AFSL 227681 under the CGU brand. Any advice provided is general advice only and does not take into account your individual objectives, financial situation or needs (your personal circumstances). Before using this advice to decide whether to purchase a product, you should consider your personal circumstances and the relevant the Product Disclosure Statement and Target Market Determinations and Premium Excess and Discounts Guide from CGU.