When you’re on the road with your caravan or camper trailer in tow, you want to make sure it’s protected from damage or loss, along with your belongings inside the trailer. From taking out the right caravan and camper trailer insurance, to tips and tricks for securing your belongings while you’re on holiday, there are a few different ways you can guard your things while you’re out and about.
Types of caravan insurance
One way to protect your caravan or camper trailer is with the right insurance policy. When it comes to insurance for your caravan or camper trailer, Youi offers three types of cover: Third Party Property Only, Third Party, Fire and Theft, and Comprehensive cover.
Third Party Property Only
Youi’s Third Party Property Only provides basic cover for your caravan or camper trailer by protecting you against damage your caravan or camper causes to someone else’s property.
Third Party, Fire and Theft
With Youi’s Third Party, Fire and Theft cover, you’re protected against a range of insurable events, including fire and theft as well as damage your caravan or camper trailer causes to someone else’s property.
Youi’s Third Party, Fire and Theft caravan and camper trailer insurance also has a number of optional covers including annex cover, business items and caravan contents upgrade. You can choose to add these options to your cover to suit your needs. Note: these optional covers may not always be available to you. If you ask and we agree to add the options, the details will be noted on your policy schedule and you will be charged an additional premium.
Comprehensive
Lastly, Youi‘s Comprehensive caravan and camper trailer insurance covers a number of unexpected insurance events like fire, theft, storm, flood and collision, regardless of whether or not you’re at fault.
Just like Youi’s Third Party, Fire and Theft cover, our Comprehensive caravan and camper trailer cover also comes with a range of optional covers for you to choose from to make sure your policy works best for you.
If you’re looking for caravan and camper trailer cover that’s intended to protect your personal items, Youi’s Third Party, Fire and Theft and Comprehensive policies cover contents inside of the caravan or camper trailer up to $1,000 per claim after excess, or up to $150 in total for perishable food. Plus, with these policies you can also choose to upgrade your cover to protect the contents of your caravan or camper trailer to a maximum of $1000 per item, whether they are inside or outside. Other insurance providers and policies will likely have different coverage options, so always be sure to check your PDS for the specifics.
Tips for protecting your belongings
Besides protecting yourself, your caravan or camper trailer and your personal belongings with the right insurance cover, there are a few things you can do to securely store your items while you’re on the road.
Ultimately, if you don’t need to bring valuable items with you on your caravan adventure, they might be better left safely at home. But if you do need to pack them here are a few ways to help keep your belongings safe. Keeping in mind, some policies will not cover contents that are not inside a lockable caravan or compartment which was permanently secured to it.
1. Install a safe
If you’re going to be taking valuable items on the road with you, then it could be worth investing in a small safe. You should be able to pick one up at your local hardware store. Use it to store your expensive belongings like cash, jewellery, electronics and documents while they’re not in use. This helps to keep them secure and out of sight. Make sure to place your safe in a spot that’s not easily visible if someone was to peek in through the windows.
2. Store valuable items out of sight
Out of sight, out of mind and out of the hands of potential thieves. If you leave your valuables lying around your caravan site, they can draw the attention of passers by and be an easy target for thieves. If you’ve invested in a safe, use it to store your most valuable items. Otherwise another useful strategy is the divide-and-store route that involves splitting your valuables up and storing them in separate locations to minimise the chance of losing them all in one foul swoop.
3. Park at a secure site
When you’re travelling with your caravan or camper trailer in tow, it’s a good idea to pick secure camping sites for overnight stays. Get to know your neighbours too, that way they can alert you if they notice anyone unfamiliar wandering through your site.
4. Secure all doors and windows
Make sure to lock all caravan doors and windows, and draw the curtains, even if you’re just popping out for a few minutes. If you have portable camping equipment like fridges, solar panels or BBQs, it’s also worth locking these inside of the caravan as they can make easy targets for quick moving thieves and we do not cover items that were not left inside a lockable caravan or compartment which was permanently secured to the caravan.
5. Install security devices
There are a number of different security devices that you can install on, around, or in your caravan or camper trailer to discourage thieves. From security cameras, to an alarm system and motion sensor lights, these devices are designed to keep your caravan and belongings safe while deterring potential thieves.
Holidays are meant to be enjoyed, but dealing with theft and loss of valuables can put a real dampener on your time away. With a little bit of planning and preparation you can protect your personal belongings inside your caravan or camper trailer while you’re on the road.
If you’re looking for caravan or camper trailer insurance, you can check out Youi’s range of caravan and camper trailer covers. We’ve also got car insurance that may protect your towing vehicle.
The information provided in this article contains general advice only. It has been prepared without taking into account any person’s particular objectives, financial situations or needs. Product issued by Youi Pty Ltd. Consider our Car, Caravan & Trailer Insurance Product Disclosure Statements and Target Market Determinations at www.youi.com.au when deciding whether our products are appropriate for you.
