White car hitched to a caravan, driving along a straight road amongst greenery.

Touring Caravan Insurance

Protection for your caravan when you’re on the move

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What’s Touring Caravan Insurance?

Is adventure calling your name? Hit the road, see the sites and drive with confidence knowing that with RACV Touring Caravan Insurance, your caravan and its contents are protected against collision damage or loss caused by natural events like bushfire, flood or storm, malicious damage or theft, or a collision on the road.

Key benefit

Up to $1,000 for the reasonable costs of emergency transport and accommodation for you and your pets, when you’re 100km or more away from home.

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.*

What does RACV Touring Caravan Insurance cover?

With an  RACV Touring Caravan Insurance policy, you'll be covered for a range of events. Here’s a summary of what’s included: 

Loss or damage to your touring caravan

Caused by a collision, flood, fire, malicious act, storm, theft or attempted theft. 

Up to $500 in emergency repairs

Following an incident.

Towing from an incident

To a safe place or the nearest repairer.

Up to $1000 for contents cover

Which you can increase. ($500 limit applies for certain items or categories).

Emergency transport and accommodation

Up to $1,000 cover for emergency transport and accommodation if your caravan or trailer can't be used as a result of an incident we have agreed to cover under and you're over 100km from home.

Liability cover up to $20 million

For unintentional collision damage to someone else’s vehicle or property.

Up to $300 for food spoilage

As a result of an incident that is covered by your policy.

This is only a summary of the inclusions for RACV Touring Caravan Insurance. For more information, such as conditions, limits and exclusions, please read the Product Disclosure Statement.

Loss or damage outside of Australia.

Loss or damage arising from not securing your caravan or leaving it in an unsafe place.

Repairs for old damage or the cost to fix faulty repairs.

Rust, corrosion, depreciation and general wear and tear.

Accommodation rates beyond the cost of the room (such as mini bar costs).

For more information on General Exclusions and items not included in your cover, refer to the Product Disclosure Statement.

Annexe cover

You can choose to cover your annexe for the same incidents as your caravan, up to an agreed value.

Additional contents cover

Your policy provides cover for contents up to a total of $1000. You can increase this amount by nominating any agreed value.

For associated conditions, see the Product Disclosure Statement.

Choose the right type of caravan insurance for you

Touring Caravan Insurance

Onsite Caravan Insurance

This is only a summary of some inclusions for RACV Caravan and Trailer policies. Refer to the relevant Product Disclosure Statement for specific terms, conditions, limitations and exclusions.

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

An annexe is an extension of your caravan – like a pop-up tent – used for extra living space.

Your annexe is not automatically covered by your Onsite or Touring caravan Insurance policy, but it can be added as an optional extra. Adding this will increase the price of your premium. 

Your Onsite or Touring Caravan Insurance policy covers the following contents owned by you or a family member, up to a certain amount (depending on what contents you are claiming):

  • CDs, DVDs, records and game cartridges
  • Clothing and personal belongings
  • Entertainment systems, TVs and stereos
  • Furniture and furnishings
  • Tools.

Keep in mind that computers, mobile phones, GPS systems, cameras, manuscripts, and bikes are not included.

For a complete list of inclusions and exclusions, refer to the Product Disclosure Statement.

It is not a legal requirement to insure a caravan in Victoria. However, purchasing caravan insurance can help protect you from significant bills in the event your caravan causes unintentional damage to another vehicle, or in the event of damage or loss occurring to your caravan as a result of an insured event, like fire, flood, storm, theft or attempted theft. 

There are some insurance policies that provide cover up to a certain amount and others that do not. It depends on the insurer.

Both RACV Complete Care® and RACV Comprehensive Car Insurance policies provide up to $1000 towards repairing damage to your trailer or caravan in the event of an incident – however 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 the contents of the trailer or caravan and doesn’t cover when your caravan or trailer is parked at a campsite, your home or on the street.

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Tips and advice for your caravan

* 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.