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10 Things That Caravan Insurance Covers

Sensis Master • Jul 29, 2020
Your caravan is often a vital addition to your travels, holding the possessions you bring along, as well as providing a place to sleep.  So, what does caravan insurance cover?

1. Damage

As a caravan is attached to a car and is often included in long road trips, accidents can occur which may result in damage to your caravan.  With caravan insurance, any damage to your caravan which occurs in an accident, is covered.  Whether that means repair of part or all of your caravan or a complete replacement, caravan insurance gives you piece of mind.

2. Theft

A caravan can be a valuable asset.  Unfortunately, thieves may see it that way also.  Many thieves target caravans and either steal them or attempt to do so.  If this happens to your caravan, your insurance coverage will cover you for theft or attempted theft.

3. Towing

Does your caravan need to get to the nearest repair shop?  Insurance coverage can assist with this.  Whatever the need is for the tow, your insurance coverage can often cover any towing costs, including hook-up and transportation, for your caravan.

4. Lay-up

Lay-up cover is often an optional coverage choice but may be important for you to consider. Lay-up cover is for when you don’t use your caravan.  This cover usually covers caravans parked at your residence or at a caravan park.  While you try to protect your caravan as much as possible, unpredictable things such as the weather can damage your caravan—even in between trips.

5. Contents

What about the items in your caravan?  While accident or theft coverage covers repairs or replacement to your caravan, these types of cover may not protect the important possessions inside your caravan.  However, with contents cover, you can get protection for especially important or valuable items within your caravan.

6. Vandalism

What if someone breaks into your caravan and damages the interior?  What if someone damages the outside of your caravan deliberately?  Vandalism coverage may be important in these cases and with proper insurance coverage, you’ll be able to make repairs easily.

7. Annexe

Does your caravan include an annexe?  This is an extension of your caravan, often made of vinyl or canvas, that includes walls, windows and a roof.  While annexe cover is often an optional coverage, it can be important to have if you decide to include this extension with your caravan.

8. Fire

Fire is often an unanticipated and thoroughly destructive cause of damage to your caravan.  If, however, fire does damage your caravan, your insurance coverage often covers any repairs or provides a replacement if your caravan is unrepairable.

9. Liability

Did your caravan unintentionally cause damage to another vehicle or property?  If so, liability coverage can cover any legal costs that may happen.

10. Spoiled food

Spoiled food in a caravan can happen for a number of reasons.  If the reason that you have spoiled food is included in your coverage, then caravan insurance can help replace most, if not all, the food that was in your caravan.

Get your caravan insurance today

If you have a caravan, ensure you have it protected.  At Westralian Insurance, we offer comprehensive insurance for your caravan and can customise your insurance based on your needs.  Please get in touch with us today, to learn how we can provide quality coverage for your caravan…happy travelling!


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