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Tell us about your setup
Answer a few questions about your caravan or motorhome and how you use it.
What kind of caravan insurance are you looking for?
The cover you need will depend on your caravan or motorhome, how you use it and where you travel.
Touring caravans
Cover for caravans used for holidays and regular road trips.
Off-road caravans
Cover options for caravans designed for unsealed roads and off-road travel.
Camper trailers
Cover for camper trailers, including contents and accessories where available.
Motorhomes
Cover for motorised RVs and campervans.
Why caravan insurance is different
Caravan insurance can vary depending on the type of caravan or motorhome, how it is used and where you travel.
A touring caravan, off-road caravan and motorhome can need different types of cover.
Off-road travel, modifications and accessories can also affect which policies are available and what is covered.
If you live in your caravan or motorhome full-time, you need to check that the policy allows permanent or long-term use.
What you'll need to get a quote
Having a few details ready can make the quote process easier.
- The make, model, year and type of caravan, camper trailer or motorhome.
- The value you want to insure it for.
- Where it is usually stored when not in use.
- How and where you use it, including any off-road travel.
- Details of modifications, accessories, annexes or contents you want covered.
- Your current policy or renewal details and recent claims history if you already have cover.
How Specialist Compare works
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Review your results
See the providers that match your answers.
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Choose who to contact
Review your options and decide which provider you want to approach.
What affects the cost of caravan insurance?
The cost of caravan insurance can depend on the type and value of your caravan or motorhome, how it is used and the cover you choose.
Type and value
The type of caravan, camper trailer or motorhome and its insured value can affect the premium.
Where it's stored
Where your caravan is kept when you are not using it can affect the price.
How you use it
Touring, off-road travel or long-term use can affect the cover available and the premium.
Modifications and accessories
Declared modifications, accessories and extra equipment can change the amount you need to insure.
Cover and excess
The cover and excess you choose can affect your premium.
Claims history
Your claims history can affect the price of your insurance.
What is caravan insurance?
Caravan insurance is designed to cover caravans, camper trailers and similar recreational setups against risks such as accidental damage, theft and certain weather events. Motorhomes are often insured under a separate motorhome policy.
What caravan insurance can cover
Cover varies by provider and policy, but caravan insurance can include:
Accidental damage
Repair or replacement after insured accidental damage to the caravan or trailer.
Theft, fire and storm
Cover for loss or damage caused by insured events such as theft, fire or storm.
Contents and annexe
Cover for personal belongings, camping gear or an annexe where included or selected.
Legal liability
Cover for certain claims if you are legally liable for damage to someone else's property.
Off-road travel
Some policies cover off-road or unsealed-road travel, subject to policy conditions and the caravan being suitable for that use.
Modifications and accessories
Declared modifications and accessories may be covered where accepted by the insurer.
Full-time use: Some providers cover permanent or long-term use, while others exclude it. Always tell the provider how the caravan or motorhome is used.
Helpful guides
How much does caravan insurance cost in Australia?There isn't one standard price for caravan insurance. Here are the main things to know:Does car insurance cover a caravan while towing?Your car insurance and caravan insurance do different jobs. Here's what matters:Off-road caravan insurance: what should you check before you travel?An “off-road caravan” isn't automatically insured everywhere you can tow it. Here's what to check:Agreed value vs market value for caravan insuranceThe difference matters most if your caravan is stolen or written off.
Caravan insurance FAQs
Does caravan insurance cover off-road travel?
Some policies do, but the conditions vary. Check where the policy allows you to travel and whether your caravan is designed for that type of terrain.
Can I insure a caravan I live in full-time?
Yes, some providers offer cover for permanent or long-term use, while others do not. Tell the provider how you use the caravan before you buy.
Do I need to tell my insurer about caravan modifications?
Yes. Tell the insurer about modifications and accessories you want covered. Undeclared changes can affect your cover or a claim, depending on the policy.
Does caravan insurance cover contents and an annexe?
It can. Some policies include limited contents or annexe cover, while others offer extra cover as an option. Check the limits and conditions before you buy.
Is motorhome insurance the same as caravan insurance?
Not always. A motorhome is a motorised vehicle and some insurers use a separate motorhome policy. Check the product that applies to your vehicle.