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What Does Caravan Insurance Cover?

A tent lit up at night


Traveling in a fried-out combie

On a hippie trail, head full of zombie

I met a strange lady, she made me nervous

She took me in and gave me breakfast

 - Down Under by Men at Work

The classic 80's hit "Down Under" paints a picture of the favourite Australian pastime known as caravaning. What it doesn't paint is a picture of the level of caravan insurance required for your travels.

That's where we come in.

With over 85% of Australians having stayed in a caravan holiday park at least once, it's clear that caravaning is as much a part of our culture as Vegemite sandwiches. And although they spend a lot of time tucked away in the garage or driveway, just waiting for a spontaneous camping trip, they still require insurance for fire, theft and natural disasters amongst other things.

To ensure your home away from home is always protected, brush up on this quick guide about different levels of caravan insurance and what they cover.

Comprehensive Caravan Insurance

In general, comprehensive caravan insurance is the broadest level of cover for your caravan however, each insurer will differ in their definition of "comprehensive" and its inclusions.

At Youi, comprehensive caravan insurance will cover you for accidental and intentional damage to your caravan caused by accidents, natural disasters, fire and theft. It will also cover you in the event that your caravan causes damage to someone else's property.

Since we love caravaning as much as you do, we'll also reward you with a traveller's bonus of $200 if you visit each mainland state with your caravan during your contract period. This bonus doubles if you also visit Tasmania!

Third Party Fire & Theft Caravan Insurance

If comprehensive insurance isn't right for you, Third Party Fire & Theft may fit your needs. For most insurers, this product will cover you for fire and theft, as well as for damages your caravan causes.

Youi Third Party Fire & Theft policies also include the $200 traveller's bonus as mentioned above, and come with the ability to add optional covers such as a caravan contents upgrade and burnout of electric motors, for extra protection.

Third Party Property Only Caravan Insurance

This is the most basic type of cover and it generally protects you from footing the bill for damage your caravan causes to someone else's property.

Youi Third Party Property Only policies cover you up to $20 million for your legal liability if your caravan or trailer causes damage to someone else's property. Our $200 traveller's bonus also applies.

Now that you have a better idea of what kind of caravan insurance you need, start a quote to see how much you could save by joining Youi.