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Caravan, Camper Trailer, Boat Trailer, Box Trailer, Horse Float, Fifth Wheeler,

Caravan & Trailer Insurance.

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At Youi, we’re about providing you with caravan and trailer insurance that’s a bit more you-shaped. After all, the places you go and the adventures you enjoy are unique. So it makes sense to get the cover that suits. Start a quote today or select the type of caravan and trailer insurance you’re looking for below.

Why choose Youi?

We help make it easier to choose the right level of coverage to suit you and your trailer or caravan. From managing your policy to making a claim, we strive to keep every step of the process simple.

What type of cover is right for you?

We like to make it crystal clear what is (and isn’t) included in our trailer and caravan insurance policies, so you can choose the cover that works for you and your circumstances.

Caravan amongst trees in the Australian outback

Caravan and trailer insurance that’s a bit more you-shaped.

We’re all about providing you with the options and information you’re looking for, so you can choose the caravan and trailer cover you need. Give us a call today or get started online.

Take a closer look at our policies.

Here you can see what’s on offer in our Comprehensive, Third Party Fire & Theft, and Third Party Property Only caravan and trailer insurance policies. Compare each level to see what’s most suitable for you.

Comprehensive
Third Party Fire & Theft
Third Party Property Only
Covered
Optional
Not Covered

Need a little more? Have a look at our optional cover.

Want a bit of extra coverage? No problem. On top of our standard trailer and caravan insurance policy inclusions, we offer a suite of optional covers.9 Please note that not all options may be available in all circumstances. If you ask and we agree to add the option, the details will be noted on your policy schedule and you will be charged an additional premium.

Caravan contents upgrade

If you have Comprehensive or Third Party Fire & Theft caravan cover, you have the option of adding this to your policy. It upgrades from the standard contents inside the caravan cover to also insuring your contents outside, and you can increase from the standard limit of $1,000 per claim.9

Annex

You can choose to protect your caravan annex from loss or damage caused by an insured event by adding this optional cover to your policy.9

Burnout of electric motors

Comprehensive policies allow for the option to cover the costs of repairing and replacing burnt out electric motors, caused by mechanical, electrical or electronic breakdown or failure, that are permanently fitted to the caravan or trailer, for up to $1,000 after excess.10

Business items

If you carry and store business items in your caravan or trailer while anywhere in Australia, this optional extra will provide coverage of up to $1,000 per business item that’s been lost or damaged in an insured event.9

If you have Comprehensive or Third Party Fire & Theft caravan cover, you have the option of adding this to your policy. It upgrades from the standard contents inside the caravan cover to also insuring your contents outside, and you can increase from the standard limit of $1,000 per claim.9

You can choose to protect your caravan annex from loss or damage caused by an insured event by adding this optional cover to your policy.9

Comprehensive policies allow for the option to cover the costs of repairing and replacing burnt out electric motors, caused by mechanical, electrical or electronic breakdown or failure, that are permanently fitted to the caravan or trailer, for up to $1,000 after excess.10

If you carry and store business items in your caravan or trailer while anywhere in Australia, this optional extra will provide coverage of up to $1,000 per business item that’s been lost or damaged in an insured event.9

What you’ll need to get a trailer or caravan insurance quote.

Your contact details

To get started, we’ll need some basic information about you, including your driving and towing history.

The details of your caravan or trailer

We’ll need to know the make, size and year of your caravan or trailer to make sure your policy and premium are accurate.

What you use the caravan or trailer for

Will your caravan or trailer be used for personal or business purposes? Let us know, as this can affect your premium.

Where your caravan or trailer is usually stored

It’s important to let us know whether your caravan or trailer will be kept in a carport, inside a locked garage, on the street, or at another location, as this could also affect your premium.

To get started, we’ll need some basic information about you, including your driving and towing history.

We’ll need to know the make, size and year of your caravan or trailer to make sure your policy and premium are accurate.

Will your caravan or trailer be used for personal or business purposes? Let us know, as this can affect your premium.

It’s important to let us know whether your caravan or trailer will be kept in a carport, inside a locked garage, on the street, or at another location, as this could also affect your premium.

Claims Campaign

We really make it count at claims time.

A big part of our you-shaped insurance is about providing you with the support and service you need with claims. We strive to review all claims as fairly and quickly as possible, helping customers through the tough times and out the other side.

Find out what cover we offer in your state.

Select your state or territory to learn about the caravan or trailer cover we offer where you live.

Caravan and trailer insurance in NSW

In NSW, you’ll need to make sure that the vehicle that’s attached to your caravan or trailer has Compulsory Third Party (CTP) insurance.11 This type of insurance will protect you from the financial impact of causing injury or death to others if your car is involved in an accident. Youi offers CTP insurance for drivers in NSW, call us on 13 9684 for more information or start a quote

CTP car insurance doesn’t provide any cover if your trailer or caravan is lost, damaged or if it damages other property. This is why it might be worth considering insurance specifically for your caravan or trailer, in case something unexpected happens. Youi offers three levels of trailer and caravan insurance: Comprehensive, Third Party Fire & Theft, and Third Party Property Only. To get more information about how much it might cost to keep your caravan or trailer covered with Youi, start a quote

An image of Sydney harbour

Caravan and trailer insurance in QLD

All cars on Queensland roads need to have Compulsory Third Party (CTP) insurance, which provides financial protection if you’re involved in an accident that causes injury or death to others, and is included with your car registration.12 So, first things first, consider making sure that the vehicle that’s attached to your trailer or caravan has the appropriate level of insurance. 

Once that’s sorted, you might want to think about insuring your caravan or trailer. Youi offers Comprehensive, Third Party Fire & Theft, and Third Party Property Only insurance options for caravans and trailers. To find out more about the cost of keeping your caravan or trailer covered in Queensland with Youi, start a quote

 

An image of the Gold Coast coastline

Caravan and trailer insurance in VIC 

All Victorian drivers need Compulsory Third Party (CTP, or Transport Accident Charge) insurance, which is included in your car’s registration cost.13 From there, consider taking a look at Youi’s car insurance options to see what additional levels of coverage are available for your vehicle.  

In terms of trailer or caravan insurance, Victoria doesn’t make this coverage compulsory. However, if decide to you take out an insurance policy specifically for your caravan or trailer, you’ll hopefully be covered if something unexpected happens. Youi offers three levels of caravan and trailer insurance: Comprehensive, Third Party Fire & Theft, and Third Party Property Only. Start a quote to find the one that might suit your situation.

An image of the Great Ocean Road

Caravan and trailer insurance in WA

Compulsory Third Party (CTP) insurance is mandatory for drivers in WA, providing you with financial protection if you cause an accident that results in another person’s injury or death.14 

From there consider taking a look at our car insurance options to see if we have the right level of coverage to suit your needs.  

Then, you might want to consider Youi’s caravan and trailer insurance options, to keep your caravan or trailer covered from a range of unexpected events. If you’re not sure what level of insurance is right for your needs, call us on 13 9684 or start a quote

The Elizabeth Quay Bridge in Perth

Caravan and trailer insurance in SA

To protect yourself from the financial impact of causing injury or death to others as the result of a road accident, Compulsory Third Party insurance (CTP) is mandatory for motorists in SA.15 Youi offers CTP insurance for drivers in South Australia, and you can choose to nominate us as your future SA CTP insurer anytime via EzyReg. From there, consider taking a look at Youi’s car insurance options to see what additional levels of coverage are available for your vehicle. 

CTP insurance doesn’t keep your caravan or trailer covered for damage or loss. For this reason, it might be worth considering an insurance policy that specifically covers your caravan or trailer. To find a coverage level that suits you, start a quote.

  

A vineyard at sunset in South Australia.

Caravan and trailer insurance in ACT

The vehicle you’re using to tow your trailer or caravan will need Motor Accident Injury (MAI) insurance, which is the ACT’s equivalent of other states’ Compulsory Third Party (CTP) insurance.16 On top of this, you can choose a level of additional car insurance that suits your needs.  

Then, you might want to consider what kind of coverage you may need for your caravan or trailer. Youi offers a range of insurance options to keep your caravan or trailer covered if something unexpected happens. For more information and to see what you might expect to pay, start a quote.

An image of Parliament House in Canberra.

Caravan and trailer insurance in TAS

In TAS, the car you’re using to tow your trailer or caravan will need to have Compulsory Third Party (CTP) insurance, which is handled by the Motor Accidents Insurance Board (MAIB).17 This protects you from the financial impact of causing injury or death to others as the result of a motor accident where you’re at fault. 

Then, you might want to consider the vehicle that’s attached to your trailer or caravan has the appropriate level of car insurance to suit your needs. Once that’s done, you might also want to think about insuring your caravan or trailer. Youi offers a range of coverage options specifically for caravans and trailers. To find a level that’s right for you and how much it might cost, start a quote.

A road overlooking The Nut in Tasmania.

Looking for caravan and trailer insurance for seniors?

A grey haired man researching on a laptop.

One of the great joys of retirement is that you might finally have time to embark on a big road adventure around our beautiful country. If you’ve decided to get a caravan or camper trailer, Youi’s caravan and trailer insurance could help protect your investment from damage and loss.  

Along with a range of included features, we have a number of optional covers that can be added to the policy, which could be ideal for seniors looking for that bit of extra confidence out on the road. 

To find out what’s most suitable for your needs, start a quote or speak to a member of our friendly team on 13 9684

Caravan and trailer insurance FAQs

Have questions about camper trailer insurance? You might find the answers here.

VIEW THE PDS

With a Comprehensive or Third Party Fire & Theft policy, you choose the insured value of the caravan.2 Your policy schedule will show the amounts and details of your insured property. This is the maximum we will pay for an insured event. 

Youi offers three levels of coverage for trailers: Comprehensive, Third Party Fire & Theft, and Third Party Property Only. To get more information about our trailer insurance options, give us a call on 13 9684 or start a quote.

If your caravan is deemed a total loss (i.e. it has 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 will depend on your policy. Our Comprehensive and Third Party Fire & Theft caravan insurance options provide total loss coverage for certain circumstances; for instance, if your caravan is stolen. Please check your policy or read the PDS for more information. 

If your caravan is 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. We’ll determine the cash-equivalent amount based on industry pricing guides.7 

Where the cost to us to replace the caravan exceeds your insured value, the most we’ll pay under this cover is the insured value plus an additional 20%. 

Any repairs to the caravan which we arrange, authorise and pay for will come with Youi’s quality guarantee for as long as you own the caravan.18 

We include extra cover for contents inside the caravan up to $1,000 per claim after excess, with a maximum of $150 for perishable food.5 You can also choose to upgrade your level of contents cover.9 

Note: contents cover is not available with Third Party Property Only policies.

We classify the way you use your caravan or trailer as follows: 

Private use 
Your caravan or trailer is used for social, domestic and pleasure purposes. We will cover the caravan or trailer when it is used privately. 

Business use 
Your caravan or trailer is used as an essential part of any work or business or it is used to generate income or reward. In this situation, we’re also able to offer you cover. We will ask you about how you use your caravan or trailer during the quote

If we cover your caravan or trailer for business purposes, it will be noted as such on your policy schedule. For more information, please read the PDS, or give us a call on 13 9684

The answer to this question depends on a number of variable factors, including your particular needs, location and situation. As our highest level of coverage, our Comprehensive insurance for caravans will protect you from accidental damage if something unexpected happens.1  

Additionally, our Comprehensive and Third Party Fire & Theft caravan insurance policies provide coverage for instances in which your caravan is damaged by fire, damaged by attempted theft or your caravan has been stolen.5 We also offer a Third Party Property Only option, which provides cover if your caravan causes damage to someone else’s vehicle or property.6 

To find the level of coverage that’s suitable for your circumstances, start a quote today.

No, if you have home insurance with Youi, your caravan (and any contents inside the caravan) will not be covered under that home insurance policy. 

To find a level of caravan insurance that’s suitable for your needs, start a quote.

Cover is included if the caravan needs to be towed after an incident and you are unable to safely do so yourself.

There is also some cover for any emergency costs incurred as a result of the incident which includes accommodation, transportation and any emergency repairs that need to be made to the caravan. These benefits apply when your caravan is insured Comprehensively or with Third Party Fire and Theft cover.

When you select either Comprehensive Cover or Third Party Property Fire and Theft Cover you can choose to include optional cover for your Annex.

When a claim is lodged you also pay an excess. The excesses will be shown on your policy schedule and any combination may apply to your claim:

Basic Excess
This is the first amount that you need to pay on any claim

Additional Excess
An additional excess may apply to your claim in certain situations.

VIEW THE PDS

Guides 

Looking for more information? Catch up on our latest guides to navigate your caravan and trailer insurance needs. 

Youi's Trustpilot score

Excellent

Youi car insurance customers rate their experience with us a 4.4 out of 5. Take a look at some of their great reviews on Trustpilot.

 

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4.4 / 5 from over 15,009 reviews.

Disclaimers 

1 Available with Comprehensive policies. For more details, see the PDS
2 Available with Comprehensive and Third Party Fire & Theft policies. For more details, see the PDS
3 Based on averages for call times to Customer Services between 01/10/2022 and 30/09/2023, excluding calls to 13 11 17 and Youi Roadside Assist.
4 Available with Comprehensive, Third Party Fire & Theft and Third Party Property Only policies. Limits apply. For more details, see the PDS
5 Available with Comprehensive and Third Party Fire & Theft policies. Limits apply. For more details, see the PDS
6 Available with Comprehensive, Third Party Fire & Theft and Third Party Property Only policies. For more details, see the PDS
7 If your caravan or trailer is a total loss from an insured event within 24 months of it being bought new and registered or documented in your name as the first owner, we’ll replace it with a new one of a make, model and specification as close as possible to the insured one or pay the equivalent replacement cost. Available with Comprehensive and Third Party Fire & Theft policies. Limits apply. For more details, see the PDS
8 If your caravan or trailer is unsafe to use after an insured event and you’re more than 100km from home, we’ll reimburse you up to $1,000 for combined emergency transport, accommodation, storage and / or repairs. Available with Comprehensive and Third Party Fire & Theft policies. For more details, see the PDS
9 An additional cost applies and is available with Comprehensive and Third Party Fire & Theft policies. Limits apply. For more details, see the PDS
10 An additional cost applies and is available with Comprehensive policies. Limits apply. For more details, see the PDS
11 Source: NSW Government, Green Slip
12 Source: Motor Accident Insurance Commission, About CTP insurance.  
13 Source: VIC Government, TAC
14 Source: Insurance Commission of Western Australia – Compulsory Third Party
15 Source: SA Government: About CTP insurance.  
16 Source: Motor Accident Injuries Commission – Your MAI insurance
17 Source: TAS Government, MAIB
18 Where we arrange, authorise and pay a service provider for repairs, Youi will guarantee the quality of the repairs for as long as you are the owner of the insured property. The guarantee includes the rectification of any defects caused by poor workmanship, or faulty materials, related to these repairs. 
19 Available with Comprehensive policies. Limits apply, see the PDS.