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Cover for your caravan or trailer

Whether you’re hitting the open road with a caravan in tow or staying in one place, get protection for collision damage, fire, flood, theft and more - anywhere in Australia. 

Every RACV Caravan & Trailer Insurance policy comes with:

  • up to $20 million in liability cover in certain circumstances for unintentional collision damage to someone else’s vehicle or property 
  • up to $500 cover for emergency repairs after an incident
  • some cover for emergency transport and accommodation if your caravan or trailer can’t be used after an insured event and you're over 100km from home.

24/7 claims help

Whether you need to make a claim or update your personal details, you can get started by logging in to your online account.

Choose the right cover for you


Stay protected when you’re on the road with cover for your caravan and its contents, plus optional cover for your annexe.


Staying put? Get cover for your caravan and its contents, plus optional cover for your annexe. Because you aren’t hitting the road, towing isn’t included.


Get cover for the trailers attached to your vehicle, including towing from the scene of the incident to the nearest repairer or an agreed place of safety.

More than just great cover

24/7 claims help

No claim or query is too difficult. Local consultants are always here to help. 

Pay annually or monthly

Save on the price of your premium when you pay annually.

Loyalty discount

The longer you're a Member, the greater your discount on selected products with our Years of Membership benefit.*

Multi-policy discounts

Take out two or more eligible policies and save up to 10% on each – including home and motor insurance.*

Make a claim or manage your policy

Make or manage a claim

Lodge and manage claims online or by callling the claims team on 13 19 03.

Manage your policy

Log in to your online account to view policy documents, or update your personal details and payment methods. For other changes, call 13 72 28.

Frequently asked questions

Caravan insurance covers you for a range of listed events - including collision damage, fire, theft, storm and more. 

There are two different types of RACV Caravan Insurance policies available. Onsite Caravan Insurance for when you’re staying in one spot and Touring Caravan Insurance for when you’re on the move.

It’s not a legal requirement to insure a caravan in Victoria, but buying insurance can offer peace of mind when the unexpected happens. 

While both RACV Complete Care® and RACV Comprehensive Car Insurance policies provide up to $1,000 towards repairing damage to your trailer or caravan in the event of an incident – it is only if the loss or damage has occurred while the caravan or trailer was attached to or being towed by your vehicle. This cover excludes damage to certain contents of the trailer or caravan and doesn’t cover when the caravan is detached from your vehicle. 

Therefore, it’s important to consider the type of insurance you have, how you use your caravan or trailer, and whether or not you require cover for the contents of your caravan or trailer.

Onsite Caravan Insurance is for when your caravan is parked permanently in one spot, which you may also know as a “static caravan”.  Touring Caravan Insurance is for when your caravan is being continually moved from place to place.

The main difference in the cover is that Touring Caravan Insurance includes towing, while Onsite Caravan Insurance does not. 

RACV Caravan & Trailer Insurance doesn’t cover motorhomes. However, RACV Car Insurance does - you can choose between four levels of cover.

We can also help you with...

Tips and advice for your caravan or trailer

* The Multi-Policy Discount and Years of Membership Benefits exclude Travel, Business and Farm Insurance products. To qualify for the Multi-Policy Discount, you must hold two eligible RACV Insurance policies. For further details, see the Premium, Excess and Discounts guide at racv.com.au. Discounts will only be applied until any applicable minimum premium is reached. On renewal, any increases or decreases in your premium may be limited by factors such as your previous year’s premium. You may not save more with more eligible policies and by staying with RACV Insurance longer if a minimum premium is reached, or limits have been applied to increases or decreases in your premium.

The information provided is general advice only. Before making any decisions please consider your own circumstances and the Product Disclosure Statement and Target Market Determinations. For copies, visit racv.com.au. As distributor, RACV Insurance Services Pty Ltd AFS Licence No. 230039 receives commission for each policy sold or renewed. Product(s) issued by Insurance Manufacturers of Australia Pty Ltd ABN 93 004 208 084 AFS Licence No. 227678.

R.A.C.V. Finance Limited ABN 82 004 292 291 Australian Credit Licence No. 391488. RACV Finance is subject to RACV lending criteria. Conditions, fees and charges apply.