We define a caravan as a non-motorised vehicle for temporary or permanent living. It usually has two wheels and can be towed by a car.
We don’t mean vehicles such as motorised caravans, motorhomes, converted buses or semi-trailers.
We've got you well covered
Giving you peace of mind
This is just a summary. For full details about what is and isn't covered, check the PDS (Product Disclosure Statement). It's dry, we know, but it's essential reading.
Caravan
We define a caravan as a non-motorised vehicle for temporary or permanent living. It usually has two wheels and can be towed by a car.
We don’t mean vehicles such as motorised caravans, motorhomes, converted buses or semi-trailers.
If your caravan is
damaged
Up to $1,000 for emergency repairs so that you can tow your caravan safely.
If your caravan is damaged in an incident covered by your policy, and as a result it's not roadworthy, safe to tow or needs to be held in storage, we will cover the reasonable costs. See the PDS for full details.
We cover temporary accommodation costs up to $150 per day for up to 30 days (on-site) or 14 days (on-road).
Our goal is always to get you back on the road as fast as we can - safely.
We insist on the highest standards for our customers. That's why any repairs we authorise are covered by our Lifetime Guarantee.
Total Loss
Your caravan and/or annexe becomes a total loss if:
- It is stolen and unrecovered after 14 days and we accept your claim for theft of your caravan and/or annexe; or
- It is uneconomical or unsafe to repair, including where the combined repair costs and salvage value are likely to be more than the amount covered by your policy.
This is just a summary. For full details, check the PDS (Product Disclosure Statement). It’s dry, we know, but it’s essential reading.
If your caravan is
stolen or total loss
Amount Covered
How much your caravan is insured for.
It's the maximum amount we'll pay for loss or damage to your caravan caused by an insured incident. The amount is shown on your certificate of insurance and includes GST.
If your caravan can’t be repaired, or it’s stolen and not recovered within 14 days of acceptance of your claim for theft, we pay you the amount you covered it for, less any deductions that apply. See the PDS for full details.
If your caravan is less than 2 years old, you're the first registered owner and your claim is accepted as a total loss, where possible, we will replace it with a new caravan. See the PDS for full details.
Total Loss
Your caravan and/or annexe becomes a total loss if:
- It is stolen and unrecovered after 14 days and we accept your claim for theft of your caravan and/or annexe; or
- It is uneconomical or unsafe to repair, including where the combined repair costs and salvage value are likely to be more than the amount covered by your policy.
This is just a summary. For full details, check the PDS (Product Disclosure Statement). It’s dry, we know, but it’s essential reading.
Amount Covered
How much your caravan is insured for.
It's the maximum amount we'll pay for loss or damage to your caravan caused by an insured incident. The amount is shown on your certificate of insurance and includes GST.
If your contents are
stolen or damaged
We include automatic cover for up to $1,000 for accidental loss or damage to your contents in your caravan or annexe, which can be increased on request.
Wait, there's more!
Optional Covers
Amount Covered
How much your annexe is insured for.
It’s the maximum amount we’ll pay for loss or damage to your annexe caused by an insured incident, less any deductions that may apply. The amount is shown on your certificate of insurance and includes GST.
Annexes in use
Your caravan’s annexe is automatically covered when it’s locked in your caravan and not being used. However, you can take out optional cover for when it’s in use, up to your chosen Amount Covered.
Need more contents cover?
Your caravan's contents are automatically covered up to $1,000, but if you need more cover, no problem! Simply ask us about increasing it.
AAMI Caravan Insurance
Frequently asked questions
AAMI offers insurance for standard caravans – that is, non-motorised vehicles, usually with two wheels that can be towed by a car. That means we don’t offer insurance for the following caravan types or uses:
- Campervans (motorised caravans)
- Homemade caravans
- Motorhomes
- Trailers (aside from camper trailers)
- Caravans used as courtesy vans
- Caravans converted to sell food or beverages
- Caravans converted to sell other goods e.g. flowers
- Caravans used as demonstration vans
- Caravans used for hire or reward
- Caravans used for any business purpose
Many modern caravans come with extra modifications as a standard, including solar panels, external showers and kitchens, air conditioning, and TV antennas. These don’t generally need to be reported to us when getting a quote. If you’ve had a non-standard modification fitted, like wheelchair access, please call us on 13 22 44 so that we can make sure it’s included in the total amount covered for the caravan.
You don’t have to be currently living/using your caravan to insure it with AAMI. The only exception to this is if it’s been unoccupied for 60 days and will continue to be unoccupied for more than 6 months in a row.
As long as your trailer and/or caravan is in a roadworthy condition, it will be covered by the CTP or MAI Insurance policy of the vehicle towing it.
Helping you get a better deal
Smart ways to lower your premium
Increase your excess
Sounds complex but it’s very easy! With AAMI Flexi-Premiums®, you can choose to increase your excess to lower your premium.
Choose your 'Amount Covered'
You can choose the amount you want to cover your caravan for, within a range we provide, so you’re in control of the amount covered by your policy.
No Claim Bonus
Get a No Claim Bonus (NCB) discount off your premium as a reward for your good claims history! On each renewal, your discount will increase (until you reach the maximum level) if you haven’t made any claims that affect your NCB.
For a quote call 13 22 44
Amount Covered
How much your annexe is insured for.
It’s the maximum amount we’ll pay for loss or damage to your annexe caused by an insured incident, less any deductions that may apply. The amount is shown on your certificate of insurance and includes GST.