What every caravan owner should know before hitting the road
Owning a caravan offers freedom and adventure, but it also comes with risks like weather damage, theft, or accidents. Caravan insurance provides financial protection and peace of mind, whether at home or on the road. Understanding the basics of coverage and the right provider can help you safeguard your investment with ease.
It’s not just about ticking a box—having the right cover can save you thousands and get you back on the road faster after an unexpected event.
What Caravan Insurance Covers
Caravan insurance typically protects you from the cost of repairs or replacement in the event of damage, theft, or loss. It can cover things like storm damage, fire, collisions, vandalism, and contents inside the van, depending on the policy.
Policies are often split into two categories—on-road and on-site. On-road insurance covers your caravan while towing or travelling, while on-site insurance is designed for permanently or semi-permanently situated caravans in parks or holiday spots.
Some policies also offer extras like emergency accommodation, legal liability, towing costs, or cover for annexes and modifications.
Coverage for awnings, satellite systems, solar panels, and even pet-related damages may also be available. Be sure to review any exclusions—particularly around water ingress, wear and tear, or modifications not disclosed in the application.
Who Provides Caravan Insurance?
There are several trusted insurance providers offering tailored caravan policies in Australia. Some of the major names include:
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APIA Insurance, which focuses on affordable cover for a wide range of caravan and RV types.
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RACQ, offering flexible policies for touring and on-site vans across Queensland.
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AAMI and Allianz, known for their wide coverage options and online support.
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Suncorp and QBE, with strong reputations and broad coverage across personal and commercial vehicle sectors.
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CGU, a leading insurer with options for rural, commercial, and personal caravans—ideal for those using vans for work or long-term travel.
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MHIA (Manufactured Homes Insurance Agency), which specialises in mobile homes and long-term on-site van insurance.
Each provider offers different benefits and features, so it’s worth comparing policies based on how and where you use your caravan.
Also consider how easy it is to lodge a claim, whether they offer flexible payment options, and if they cover your van while it’s stored or undergoing repairs.
Why Insurance is Worth It
Even the most careful traveller can’t predict everything. From hailstorms to highway mishaps or a break-in while your van’s unattended, the potential costs can be high. Without insurance, you could be left covering the full cost of repairs—or worse, replacing your caravan entirely.
Insurance offers more than just financial protection—it gives you the confidence to travel knowing you’re covered if something goes wrong.
A good policy can also help with temporary accommodation or transport, which is especially helpful if your van is your main holiday or living space. Peace of mind is priceless when you’re far from home.
Need Help Choosing or Maintaining Your Caravan?
At AllBrand Caravan Services, we understand the importance of keeping your van in top shape—whether it’s for an upcoming trip or preparing for an insurance inspection. From repairs to pre-trip servicing, our team helps you stay safe and road-ready.
📞 Call us: 07 3869 2969
📍 Visit: 101 Connaught Street, Sandgate QLD 4017
📧 Email: info@allbrandcs.com.au
Let’s make sure your caravan is as ready as you are—reach out to us today.
We can also assist with insurance reports and repair quotes to streamline the claims process. If your provider needs detailed documentation or images of the damage, our team can help make it simple and stress-free. Get in touch before your next trip or claim to stay prepared.
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