Caravan and Trailer insurance updates

We’ve been busy making updates to our caravan and trailer insurance cover to help make things a little clearer for you.

See what's changed

This table is a guide and lists the main changes to the Caravan and Trailer Insurance Product Disclosure Statement (PDS). The information in the table does not replace or vary our PDS so please read the entire PDS for details of features and benefits and to ensure that this product is right for you. 


Cover types

Comp: Comprehensive 
TPFT: Third Party Fire & Theft
TPPO: Third Party Property Only

PDS section Cover Page # Update type Change in the PDS PDS Effective Date
Important Information 3-12
Your responsibilities: 2. Notify us of any changes
7 Clarification You must notify us as soon as practically possible if any of the specified changes listed under ‘Notify us of any changes’ occur. 05 Jul 2023
Your responsibilities: 9. Treat our people with respect
8 Clarification If this requirement is not met, we can cancel any policy you have with us and, where relevant, we can remove you as an authorised person from any other Youi policy. 05 Jul 2023
About your cover 13-22
13 Reduction Cover removed from Third Party, Fire and Theft policies only. Earthquake cover still applies to Comprehensive policies. 05 Jul 2023
Contents Inside the Caravan
15 Reduction Comprehensive and Third Party, Fire and Theft policies for a caravan (including camper trailers). No cover for theft or attempted theft unless the contents were inside a locked caravan or locked compartment which was permanently secured to it. This reduction does not apply to the optional cover Caravan Contents Upgrade. 05 Jul 2023
Temporary Replacement Cover
15-16 Benefit Comprehensive policies: Removed the additional $1,000 excess payable if you made a claim during the 14 days after you sold or gave away the caravan or trailer, if you had not informed us of the replacement caravan or trailer. 05 Jul 2023
Business Items (Optional)
18 Reduction Comprehensive and Third Party, Fire and Theft policies: No cover for theft or attempted theft, unless the business items were inside a locked caravan or trailer, or a locked compartment which was permanently secured to it. 05 Jul 2023
General exclusions
21 Reduction 41. Wear and tear, rust, corrosion, or deterioration exclusion extended to structural fatigue or structural failure. Roof and body seals stated as examples for the exclusion. 05 Jul 2023
PDS section Page # Update type Change in the PDS PDS Effective Date
Important information 4 - 11
Cancelling your policy 4 Benefit Cancellation fee reduced to $22, with clarity on when this will apply. 05 Apr 2021
What if I have a complaint? 5 Clarification Updated details regarding our complaints process. 04 Sep 2021
Your duty of disclosure / When answering our questions 6 Clarification The Duty of Disclosure has been replaced with the duty of an insured “to take reasonable care not to make a misrepresentation when answering our questions”. 05 Apr 2021
Your responsibilities 6 - 7 Clarification Improved transparency with expanded section on the requirement to maintain a valid email address. 05 Apr 2021
7 Clarification Responsibility to ‘Keep the caravan or trailer in a roadworthy condition’ has been changed to ‘Keep the caravan or trailer in a good and safe condition’. 05 Apr 2021
What do these words mean? 8 - 10
Accessories 8 Clarification Updated definition to include solar panels and tv antenna and removed it as an extra cover. 05 Apr 2021
Earthquake 9 Reduction Earthquake definition changed, no longer includes landslip. 05 Apr 2021
Roadworthy 10 Clarification Updated to clarify compliance with the roadworthy requirements of the state in which a caravan or trailer is being used. 04 Sep 2021
You / your / yours 10 Clarification Removed reference to "employee/s and household member/s or any person acting for the policyholder, business or for a household member". 05 Apr 2021
Insured value 11 Clarification Definition of the insured value and how to select the insured value. 05 Apr 2021
About your cover 12 - 19
Theft 12 Clarification Examples provided for what "reasonable precautions" are required when the caravan or trailer is being test driven. 05 Apr 2021
Locks and Keys 13 Benefit Cover has been changed to $1,000 after excess. 05 Apr 2021
Contents Inside the Caravan 14 Benefit Increased total limit to $1000 and removed $150 item limit. 04 Sep 2021
Temporary Replacement Cover 14 Benefit New Extra Cover for temporary replacement cover when you sell or give away the caravan or trailer and replace it with another one. 05 Apr 2021
Counselling Services 15 Benefit Removed 6-month limit to commence counselling. 05 Apr 2021
Maritime Liability - Reduction No longer available. 05 Apr 2021
Annex (optional) 15 Clarification Replaced the 10 year exclusion with a functional condition requirement. 05 Apr 2021
Caravan Contents Upgrade (optional) 15 Reduction If this Optional Cover is added to your policy, it replaces Extra Cover: Contents Inside the Caravan. 05 Apr 2021
15 Clarification Removed the requirement for contents to be in the caravan or annex. 05 Apr 2021
General exclusions 17 Clarification Exclusion relating to poor or faulty design specifications, material, planning or workmanship, or a defect have been updated to improve transparency. 05 Apr 2021
Claiming 19 - 24
Authorised persons on your claim 19 Clarification Updated section describing (1) how to add an authorised person and (2) conflict of interest. 05 Apr 2021
How we settle your claim 21 - 23 Clarification Updated section providing clarity on how we settle claims. 05 Apr 2021
Excess 23 Clarification Clarification of how and when an excess applies. 05 Apr 2021
Actions of others 23 Benefit New section describing circumstances where cover may not be limited by the actions of other people. 05 Apr 2021