Caravanning is one of the best ways to explore Australia and its outback, without compromising the space, style and comforts of your home. This type of travel is a very popular choice for those who want a break from the city’s hustle and bustle. There are many advantages towards owning a caravan, so no doubt it is an investment worth protecting and one that absolutely requires a caravan insurance policy, so that you have one less thing to worry about during your epic road trip.
Insuring your caravan means you and your family will be stress-free from any accidental damage, theft or natural disaster such as flood or storm.
Comparing and Picking a Caravan Insurance Policy
A caravan insurance policy will protect you against any financial liability toward any damage that maybe caused, sometimes it also provides compensation for costs if you’ve a roadside breakdown - especially if you’re planning to go off-roading on a rainy day.
When shopping for a caravan insurance policy, the main thing to remember is that no policies are the same. While many insurers provide very basic levels of cover, CAMPER Insurance offers a premium level product which has a broad range of benefits to cover caravan owners for multiple types of loss that can impact them financially.
Basic Policies to Consider Before Taking a Caravan Insurance
Before applying for a caravan insurance in Australia, you must know what it covers and what the payout will be if, at some point, you need to claim for any damages. The highest level of cover a caravan owner can take is the comprehensive cover, which pays out for all damages, including theft and fire — even if the accident is a result of the driver’s actions. Every policy approaches matters differently and parts of the right policy for you is described in detail in the product disclosure statement (PDS).
Do You Require a Content Coverage
To decide whether or not you want to look up contents coverage often comes down to the value of the contents in your caravan. These contents could be anything from a digital camera, a laptop or other valuable items that make your holiday comfortable.
Evaluate how much each item is worth and then simply add up the dollar value to accurately represent the sum total of your assets.
Keep Depreciation in Mind
With the excitement of buying a caravan to finally enjoying the sense of freedom that you’ve longed for, it is natural to overlook the depreciation factor. Depreciation is when your caravan loses some of its value due to wear and tear and also varies on the number of years for which the caravan is used. Insurers normally add a percentage of depreciation fee to the premium every year. This is when the benefits of maintaining your caravan will come in your favor as some insurers waive the fee if the caravan is in a good condition.
CAMPER Insurance can provide cover for your caravan anywhere in Australia:
- Getting you and your RV home in the event of a medical emergency
- Cover for towing following a mechanical breakdown
- Locks and keys replacement
- Flexible excess options
- Automatic contents cover of $2,000 (option to increase cover)
- Option to cover a portable accessory in the open air
- Choice of repairer
- First windscreen claim is excess free
- Emergency accommodation
- Option to pay your premium by the month
Choosing an insurance for your caravan doesn’t have to be a tedious task. Explore your options by contacting us or requesting a quote so we can help you decide the right type of coverage, while you spend time researching and planning your holiday.
AUSTRALIAN RV COVER
Premium cover, for the Australian RV adventurer
with a love and passion for their camper trailer,
caravan, motorhome, campervan or 5th wheeler.
CAMPER Insurance offers a broad range of benefits.
Contact us today. We are here to help!
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