With a Comprehensive or Third Party Fire & Theft caravan insurance policy, you choose the insured value of the caravan.6 Your policy schedule will show the amounts and details of your insured property.
If you have caravan insurance with Youi and you need to make a claim, the most we’ll pay for repair or replacement of the caravan is the lesser of the market value or the insured value that’s shown on your policy schedule, except where we’re paying a claim for New Caravan Replacement.5
At Youi, there are three levels of cover available for trailers: Comprehensive, Third Party Fire & Theft, and Third Party Property Only trailer insurance. To get more information about our trailer insurance options, give us a call on 13 9684 or consider starting a quote.
If your caravan is deemed a total loss – for example if it’s been stolen and not recovered – or it’s been damaged to the extent that it’s not economical or safe to repair, what happens next depends on your caravan insurance policy.
Our Comprehensive and Third Party Fire & Theft caravan insurance options provide cover for total loss in certain circumstances, including if your caravan is stolen, for instance.6 Please check your policy or read the PDS for more information.
If you have either of these caravan insurance policies and suffer a total loss following an insured event within 2 years of it being bought new and registered, or documented in your name as the first owner, we’ll replace it with a new caravan of a make, model and specification as close as possible to the insured one. If there’s no readily available replacement, we’ll pay you a cash equivalent amount.5
Any repairs to the caravan which we arrange, authorise and pay for will come with Youi’s caravan insurance repair quality guarantee, for as long as you own the caravan.19
At Youi, we include cover for contents inside the caravan, up to $1,000 per claim after excess, with a maximum of $150 for perishable food.3 If you have Comprehensive or Third Party Fire & Theft caravan insurance, you can also choose to upgrade your level of contents cover.11
Note: Contents cover isn’t available with Third Party Property Only caravan insurance policies.
At Youi, we classify the way you use your trailer as:
- Private use: You use your trailer for social, domestic or pleasure purposes. We’ll cover the trailer when it’s used privately.
- Business use: You use your trailer as an essential part of your work or business, or it’s used to generate income or reward. We can also offer you trailer insurance cover in this situation.
We’ll ask about how you use your trailer when you’re getting a trailer insurance quote. If we cover your trailer for business purposes, this will be noted on your trailer insurance policy schedule. For more information, please read the PDS or give us a call on 13 9684.
Yes, Youi provides caravan insurance for seniors. Whether you’re planning an extended trip around Australia, enjoying regular weekend getaways or living in your caravan full time, our caravan insurance is designed to suit different travel styles and life stages.
To find cover that suits your needs, consider starting a quote or speak to a member of our team on 13 9684.
At Youi, if you have Comprehensive or Third Party Fire & Theft caravan insurance, cover for towing costs is included if your caravan needs to be towed following an insured event and you’re not able to do it safely yourself.8
There’s also some cover for any emergency costs incurred as a result of the incident, including accommodation, transportation and any emergency repairs that need to be made to the caravan. This cover also applies when you have Comprehensive or Third Party Fire & Theft caravan insurance.
When you select Comprehensive or Third Party Fire & Theft caravan insurance, you can choose to include optional cover for your annex.11
Yes, Youi’s Comprehensive caravan insurance covers damage caused by a storm or hail.1,3 For more information, please read the PDS or give us a call on 13 9684.
Youi’s Comprehensive caravan insurance covers damage to the exterior or interior of your caravan caused by a flood or storm.1 For more information, please read the PDS or give us a call on 13 9684.
