What is Onsite Caravan Insurance?

With RACV Onsite 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 the road.

Key inclusion:

Up to $300 cover to replace spoiled food in your caravan resulting from an incident covered by your policy, such as theft or fire.

Why choose RACV Caravan Insurance

Customer care

No claim or query is too hard to handle. Our Australian-based consultants are always here to help. 

Exclusive savings

RACV Members save with discounted attraction tickets, Woolworths WISH gift cards, special prices on local travel, day trips and more.

Multi policy discount

Get 10% off when you take out two or more eligible insurance policies.*

Pay annually

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

Enjoy the great outdoors knowing you’re covered with RACV Onsite Caravan Insurance.

What does Onsite Caravan Insurance cover?

With an Onsite 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 onsite caravan caused by a collision, flood, fire, malicious act, storm, theft or attempted theft.
  • Temporary accommodation up to $100 a day up to a maximum of $4,000 if you can’t live in your caravan following an incident and it’s your permanent residence.
  • Up to $300 for food spoilage as a result of an incident that is covered by your policy.
  • Up to $500 in emergency repairs following an incident.
  • Up to $1000 for contents cover which you can increase. ($500 limit applies for certain items or categories).
  • Liability cover up to $20 million for unintentional collision damage to someone else’s vehicle or property.

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

  • Loss or damage outside of Australia.
  • Towing from an incident to a safe place or the nearest repairer.
  • Repairs for old damage or the cost to fix faulty repairs.
  • Accommodation rates beyond the cost of the room (such as mini bar costs).
  • Loss or damage arising from not securing your caravan or leaving it in an unsafe place.
  • Rust, corrosion, depreciation and general wear and tear.

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

For added peace of mind, you can choose to boost your caravan cover with optional extras. If you do this, you’ll need to pay a little more on your premium.

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.

Insurance claims and documents

Frequently asked questions

What’s covered under contents?

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're 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.

Do I need insurance to tow a caravan?

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.

Other RACV Caravan Insurance products 

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* To qualify for the Multi-Policy Discount, members must hold two eligible RACV Insurance policies. Excludes Travel, Business, Farm and Single Item Insurance products. On existing policies, discount takes effect at next renewal. 

The information provided is general advice only, so before making any decisions please consider your own circumstances and the Product Disclosure Statement. For a copy, please call 13 RACV (13 72 28) or visit racv.com.au.
RACV Insurance policies are distributed to members of Royal Automobile Club of Victoria (RACV) Ltd by RACV Insurance Services Pty Ltd ABN 74 004 131 800 AFS Licence No. 230039.
RACV MotorHomeLandlordVeteran, Vintage & Classic VehicleCaravan & TrailerMotorcycle and Boat Insurance 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.