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.

PDS sectionPage #Update typeChange in the PDSPDS Effective Date
Important information4 - 11
Cancelling your policy4BenefitCancellation fee reduced to $22, with clarity on when this will apply.05 Apr 2021
What if I have a complaint?5ClarificationUpdated details regarding our complaints process.04 Sep 2021
Your duty of disclosure / When answering our questions6ClarificationThe 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 responsibilities6 - 7ClarificationImproved transparency with expanded section on the requirement to maintain a valid email address.05 Apr 2021
7ClarificationResponsibility 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
Accessories8ClarificationUpdated definition to include solar panels and tv antenna and removed it as an extra cover.05 Apr 2021
Earthquake9ReductionEarthquake definition changed, no longer includes landslip.05 Apr 2021
Roadworthy10ClarificationUpdated to clarify compliance with the roadworthy requirements of the state in which a caravan or trailer is being used.04 Sep 2021
You / your / yours10ClarificationRemoved 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 value11ClarificationDefinition of the insured value and how to select the insured value.05 Apr 2021
About your cover12 - 19
Theft12ClarificationExamples provided for what "reasonable precautions" are required when the caravan or trailer is being test driven.05 Apr 2021
Locks and Keys13BenefitCover has been changed to $1,000 after excess.05 Apr 2021
Contents Inside the Caravan14BenefitIncreased total limit to $1000 and removed $150 item limit.04 Sep 2021
Temporary Replacement Cover14BenefitNew 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 Services15BenefitRemoved 6-month limit to commence counselling.05 Apr 2021
Maritime Liability-ReductionNo longer available.05 Apr 2021
Annex (optional)15ClarificationReplaced the 10 year exclusion with a functional condition requirement.05 Apr 2021
Caravan Contents Upgrade (optional)15ReductionIf this Optional Cover is added to your policy, it replaces Extra Cover: Contents Inside the Caravan.05 Apr 2021
15ClarificationRemoved the requirement for contents to be in the caravan or annex.05 Apr 2021
General exclusions17ClarificationExclusion relating to poor or faulty design specifications, material, planning or workmanship, or a defect have been updated to improve transparency.05 Apr 2021
Claiming19 - 24
Authorised persons on your claim19ClarificationUpdated section describing (1) how to add an authorised person and (2) conflict of interest.05 Apr 2021
How we settle your claim21 - 23ClarificationUpdated section providing clarity on how we settle claims.05 Apr 2021
Excess23ClarificationClarification of how and when an excess applies.05 Apr 2021
Actions of others23BenefitNew section describing circumstances where cover may not be limited by the actions of other people.05 Apr 2021