• 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.

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.

Ways to save with RACV 

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.

Discover other RACV Insurance products 

Policy documents

RACV Caravan & Trailer Insurance Product Disclosure Statements

RACV Caravan & Trailer Insurance Product Disclosure Statement and Policy Booklet for policies with a start date on or after 19 May 2019 and renewal policies with a start date on or after 30 June 2019.

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RACV Caravan & Trailer Insurance Product Disclosure Statement and Policy Booklet for policies with a start date on or after 10 October 2016 and renewal policies with a start date on or after 14 November 2016 and new business policies with a start date before 19 May 2019 and renewal policies with a start date before 30 June 2019.

Download

RACV Caravan & Trailer Insurance Premium, Excess, Discounts and Aussie Assist Benefits Guides

RACV Caravan & Trailer Insurance Premium, Excess, Discounts and Aussie Assist Benefits Guide for policies with a start date on or after 19 May 2019 and renewal policies with a start date on or after 30 June 2019.

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RACV Caravan & Trailer Insurance Premium, Excess, Discounts and Benefits Guide for policies with a start date on or after 24 August 2018 and renewal policies with a start date on or after 1 October 2018 and new business policies with a start date before 19 May 2019 and renewal policies with a start date before 30 June 2019.

Download

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* RACV Motor Insurance is issued by Insurance Manufacturers of Australia Pty Limited ABN 93 004 208 084 AFS Licence No. 227678. The information on this website is general advice only so before making any decisions, please consider your own circumstances and the Product Disclosure Statement. 

** On existing policies discount takes effect at next renewal. Excludes Travel, Business, Farm, Single Item and Pet Insurance products.