Caravan Insurance makes for ‘Happy Campers’ ‎ Image

Caravan Insurance makes for ‘happy campers’ ‎


A caravan is one of life’s big investments. A ticket to freedom after many ‎years of work and family commitments. ‎For a growing number of Australians, a caravan is a ‘home ‎away from home’, as they set out on many adventures big and small.

Many ‎caravan owners are aged 55 years or older*. As these retirees head off on their dream adventures there is a chance that it could turn into a road trip nightmare with serious financial consequences, if the unexpected occurs. Fire1, theft, collision, accidental damage and storms1 can ruin ‎even the best laid plans and leave you out of pocket.‎

That‘s why it is important to check whether your caravan is appropriately covered for ‎the many unexpected circumstances, that may come your way. ‎


COTA Insurance offers Caravan and Trailer Insurance with a range of ‎features and benefits aimed at providing a comprehensive level of insurance.

Underwritten by Allianz Insurance, the Caravan and Trailer Insurance offers cover for accidental loss and damage, including collision, fire1, and theft; as well as up to $1,000 for loss or damage to your caravan’s contents, arising from either an accident in which your caravan is damaged at the same time, or theft following forcible or violent entry to your caravan.

This is only a summary of some of the features available in our Caravan and Trailer insurance. Before deciding on this insurance, carefully consider the Product Disclosure Statement which sets out the terms, conditions, limits and exclusions.


There is a range of standard benefits, including:

  • 2 year new for old replacement of your caravan or trailer after a total loss if you purchased it new (from first registration).
  • Reasonable cost of towing following an accident. ‎
  • Cover for up to $500 for food spoilage in your caravan following a covered accident.
  • Emergency accommodation costs in the event that your caravan is uninhabitable following an accident more than 100km from home ($100 per day, up to a maximum of $1,000).
  • Reimbursement for up to $500 toward emergency repairs necessary to enable you to tow your caravan or trailer to its intended destination.
  • Travelling cost for returning home if your caravan or trailer cannot be safely driven home after a covered accident (up to a maximum of $500).

Additional policy options are available to purchase – caravan fusion cover and the option to increase caravan contents cover, subject to underwriting limits.


Don’t let misfortune spoil your big adventures. Call one of our friendly staff on
1300 1300 50 or visit our website to get an online quote and choose ‎the cover that is right for you.



Insurance and Membership Services Limited, ABN 59 057 159 743 AR Number 246235 trading as COTA Insurance arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708. We do not provide any advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision, please consider the Product Disclosure Statement or by calling COTA Insurance on 1300 1300 50. The relevant Target Market Determination is available by calling 1300 1300 50. If you purchase this insurance, we will receive a commission that is a percentage of the premium.  Ask us for more details before we provide you with services.


¹We do not provide cover for any loss of or damage to your caravan or trailer caused by Cyclone, Flood or Bushfire during the first 72 hours after the policy is first taken out by you (it does not apply to renewals).



*29% of caravan and camping trips in 2018 were aged 55+, as per the State of Industry report 2019 done by the Caravan Industry Association of Australia.