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Caravan and Trailer Insurance

Insurance on the road and at home with cover that keeps you moving

What is caravan and trailer insurance?

Caravan and Trailer Insurance covers you for accidental loss or damage to your caravan or trailer caused by events such as accidents, or natural events such as storms or fires, as well as theft. 

It also provides up to $20 million legal liability cover1, which can cover you if you’re found liable to pay compensation to someone because you’ve accidentally damaged their property.

Has your caravan or trailer been damaged or stolen? Start your claim online or call
13 10 13. We have a team available 24 hours, 7 days a week to assist you.
Start your claim

What our Caravan and Trailer Insurance covers

Whether you have a caravan, trailer, camper trailer or horse trailer, our Caravan and Trailer Insurance is designed to keep you moving.

  • Accidental loss or damage
  • Cover for accidental physical loss (including theft) or physical damage to your caravan or trailer. We may either repair your caravan or trailer, pay the reasonable cost of repairs, or pay you the market or agreed value your caravan or trailer is insured for as shown on the current schedule.
  • New replacement after a total loss
  • If your caravan or trailer was purchased new by you and becomes a total loss within two years of the original registration date, we’ll replace it with a new caravan or trailer of the same make, model and series.2
  • Legal liability cover
  • Up to $20m legal liability cover. Provides cover if you’re found liable to pay compensation for loss or damage to someone else’s property caused by an accident which is partly or fully your fault.1
  • Legal costs
  • Provided we agree in writing, we’ll pay for all legal costs and expenses in defending any court proceedings which may arise from a claim for accidental loss, damage or liability covered by your policy. This excludes all legal costs and expenses relating to any criminal or traffic proceedings.
  • Caravan and trailer contents
  • Cover for loss or damage to your contents up to the amount shown on your Schedule because of either an accident where your caravan or trailer is accidentally damaged at the same time, or theft following forced entry to your caravan or trailer.
  • Transportation costs
  • We’ll reimburse you up to $400 for transportation costs if your caravan or trailer can’t be safely driven home after being involved in an accident, maliciously damaged or stolen and recovered in damaged condition. This also includes transportation to collect your caravan or trailer after it has been repaired.
  • Towing
  • We’ll pay the reasonable cost of protection, removal and towing of your caravan or trailer to the nearest repairer, place of safety or agreed secure location following a covered incident.
  • Temporary accommodation
  • We’ll reimburse you the reasonable cost of necessary temporary accommodation up to $400 for any one covered accident, which causes your caravan or camper trailer to be uninhabitable.3
  • Stolen caravan or trailer
  • If your caravan or trailer is stolen, we'll pay the reasonable costs of recovery from any place within Australia. Our maximum payment will be the lesser of the sum insured or the market value of your caravan or trailer at the time it was stolen.
  • Emergency repairs
  • We’ll reimburse you up to $500 for the cost of emergency repairs needed to tow your caravan or trailer to its intended destination following a covered accident.
  • Spoilage of food
  • When we pay a claim for loss or damage to your caravan, trailer or contents, we’ll pay up to $200 for food that's damaged by the same event and can't be eaten.
  • Temporary cover if you replace your caravan or trailer
  • If you permanently replace your caravan or trailer, we’ll provide temporary cover for the replacement caravan or trailer from the date of purchase up to a maximum of 14 days. If you'd like the insurance cover to continue, and we agree, you must provide us with all the details of your replacement caravan and trailer and pay any additional premium we require.
WHAT'S NOT COVERED

  • Breakdown
  • Mechanical or electrical breakdowns, failures, or breakages to your caravan or trailer.

  • Tyres
  • Damage to tyres caused by application of the brakes or by road punctures, cuts, or bursts.

  • Loss, accidental damage or legal liability if the trailer or caravan was:
  • Used by an unlicensed or disqualified driver
  • Used by a driver under the influence of drugs, alcohol, who refused to take a drug or alcohol test or was otherwise impaired
  • Overloaded or carrying more passengers than legally allowed
  • Being towed by or was attached to a vehicle which wasn’t equipped to tow your caravan or trailer according to relevant laws, by-laws and regulations
  • Used in an unsafe or unroadworthy condition
  • Used for hire or business
  • Used in motor sports, time trial or motor trade
  • Deliberately damaged by you or someone acting with your consent
  • Devalued or depreciated through wear and tear, rust, or corrosion
  • Lawfully seized or used in an illegal way
WHAT'S COVERED

  • Fusion
  • If an electrical current damages the electrical motor of one of your contents, we’ll either pay the reasonable cost to rewind the motor or replace the motor up to a maximum of $300.
  • If your caravan or trailer was purchased new by you and becomes a total loss within two years of the original registration date, we’ll replace it with a new caravan or trailer of the same make, model, and series.2
  • We’ll pay the reasonable cost of protection, removal, and towing of your caravan or trailer to the nearest repairer, place of safety or agreed secure location following a covered incident.
  • If your caravan or trailer is stolen, we’ll pay the reasonable costs of recovery from any place within Australia. Our maximum payment will be the lesser of the sum insured or the market value of your caravan or trailer at the time it was stolen.
  • When we pay a claim for loss or damage to your caravan, trailer, or contents, we’ll pay up to $200 for food that’s damaged by the same event and can't be eaten.
  • If you permanently replace your caravan or trailer, we’ll provide temporary cover for the replacement caravan or trailer from the date of purchase up to a maximum of 14 days. If you’d like the insurance cover to continue, and we agree, you must provide us with all the details of your replacement caravan and trailer and pay any additional premium we require.
  • Mechanical or electrical breakdowns, failures, or breakages to your caravan or trailer.
  • Damage to tyres caused by application of the brakes or by road punctures, cuts, or bursts.
WHAT'S NOT COVERED

This is a summary only of some of the features and benefits available on Allianz SureCover Trailer and Caravan Insurance, as well as some of the exclusions. Before deciding on a policy, carefully consider the relevant Product Disclosure Statement (PDS) and Supplementary PDS (where applicable) which set out the standard terms, conditions, limits, and exclusions.

How to make a claim

Make a claim on your Caravan and Trailer Insurance using our online claims form or call 13 10 13 to speak to a consultant.

What to do before you make a claim

  1. It’s important to do what you reasonably can to prevent further loss, damage or liability – this includes not admitting any liability. 
  2. Contact the police as soon as reasonably possible to report any injuries, theft, attempted theft, or damage caused by intentional acts or vehicle impact.
  3. Let us know about the incident before authorising any repairs. We’ll arrange for an assessor to review before approving any work to be carried out.

What you need to get started

You’ll need the following details to start your claim. We'll contact you to discuss next steps once we’ve received your claim.

  • Details of the incident (such as the date, where the damage occurred, any other vehicles involved)
  • Other drivers' details such as name, address, and licence number (if available)
  • Supporting documents or images (if available)

Why choose us?

Insuring Australians for over 100 years

Join over 4 million people in Australia who trust us with their insurance

Up to $20m legal liability cover 1

Cover for compensation you’re liable to pay for loss or damage to someone else’s property

Instant Certificate of Currency

Your proof of insurance will be emailed instantly after you purchase your policy

24/7 claims service

Make a claim online or call 13 10 13 at any time. 24 hours, 7 days a week.

Ready to get started?

Frequently asked questions

The cost of your insurance is called a 'premium'. Your premium will depend on a number of factors, and can change each year when you renew your policy. Your premium for each period of insurance will be shown on your policy schedule.

There are several factors that determine how your premium is calculated, including your risk profile, such as:

  • Where your caravan or trailer is parked when you’re not using it
  • The type of caravan or trailer you’re insuring
  • The amount and type of cover you require
  • Your claims history
  • The likelihood of a claim being made on your policy
  • Any discounts that may apply
  • Any compulsory government charges such as Stamp Duty and GST
  • Any other charges we tell you of
  • Any optional covers you choose

Call us on 13 1000 to find out the cost of insuring your caravan or trailer through Allianz.

Although you're not legally required to have caravan or trailer insurance, it’s worth considering whether you could afford to repair or replace your caravan or trailer if it were involved in an accident, stolen, or damaged by a fire or storm.
There's always the risk of accidental damage or theft, even while your caravan is in your driveway. So it’s a good idea to consider insuring your caravan, whether you're on the road or at home.

It's important to consider whether Comprehensive Car Insurance or Third Party Property Damage Car Insurance are right for you. For example, having Third Party Property Damage Car Insurance for your car can cover any damage you cause to other people's cars or property while towing your caravan or trailer.

Most car insurance policies cover your vehicle while towing a caravan or trailer, but many won't cover damage to your caravan or trailer if it’s involved in an accident. That's why it's important to check your car insurance policy and consider taking out additional caravan or trailer insurance.

Some home insurance policies include cover for personal possessions away from home, usually if you pay an extra premium. If you have Allianz Home and Contents Insurance and buy optional Portable Contents cover, your Portable Contents items will be covered for accidental damage or loss while you’re caravanning up to the nominated value. You'll need to nominate a contents sum insured for other contents items you keep in your caravan.
Our Caravan and Trailer Insurance allows you to select contents cover of up to $6,000 without additional approval. This includes cover for loss or damage to your contents because of either an accident where your caravan or trailer is accidentally damaged at the same time, or theft following forced entry to your caravan or trailer.

We're here to help

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*Conditions apply

  1. Legal liability cover
    Arising out of a single event or series of related events. This cover will only apply if your legal liability arises out of the use of your caravan or trailer. We won’t cover your legal liability for claims arising out of or in any way connected with the existence of asbestos.

  2. New replacement after a total loss
    If a replacement caravan or trailer in the same make, model and series is not currently available, we’ll pay you either the market value or agreed value of your caravan or trailer, whichever is shown in the current schedule.

  3. Temporary accommodation
    Following an accident which causes your caravan or camper trailer to be uninhabitable, we will reimburse you for the reasonable costs of necessary temporary accommodation for you and your family. The maximum we will pay in respect of any one accident which results in a claim is $400.
Allianz acknowledges Aboriginal and Torres Strait Islander peoples as the Traditional Custodians of the lands on which we live and work across Australia. We pay our respect to First Nations Elders past and present.



Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, limits, and exclusions apply. Before making a decision about this insurance, consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website. We do not provide any form of advice if you call us to enquire about or purchase a product.

Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 is the insurer of any general insurance products offered, and Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFS Licence No. 296559 is the insurer of any life insurance products offered. Each entity is responsible for any statements and representations made about its products, on this website.