Caravan Insurance includes:
- Accidents
Cover for your caravan if it's damaged in an accident. - Fire, storm and flood
Cover for your caravan if it's damaged by fire, storm, flood or tsunami.1 - Towing
CGU pays for towing to a repairer or safe place if your caravan can't be used after an incident CGU covers. - Theft and vandalism
Cover for your caravan if it's stolen, vandalised or accidentally damaged. - Caravan contents
CGU covers items that are permanently kept in your caravan if they're damaged or stolen in an incident CGU covers (up to $1,000). - Emergency repairs
CGU pays for repairs you need to make after an incident CGU covers so that your caravan's safe to use or tow (up to $800).
- New replacement
If your caravan's written off in its first two years, CGU tries to replace it with a similar new caravan. - Storage costs
If your caravan can't be used after a covered incident, CGU will pay for storage until it's repaired or your claim is settled, whichever comes first. - Food spoilage
Cover for spoiled food and prescription medicine up to $500 if a power outage causes your fridge to stop working. - Temporary accommodation
If your holiday caravan can't be used after a covered incident and you're more than 100kms from home, CGU pays for temporary accommodation (up to $1,000). - Liability cover
CGU covers your legal liability in certain situations if someone's injured or their property's damaged by your caravan (up to $20m).2
Not included:
There are some things CGU doesn't cover:
- Off-road use
Unless your caravan is designed for it, CGU doesn't cover damage from driving off-road.
- Wear and tear
CGU doesn't cover normal wear and tear that happens as you use your caravan.
Optional cover
No excess for glass damage
Add an option to avoid paying an excess when your windscreen, window glass, or sunroof is the only thing damaged in a covered incident (let CGU know and CGU will arrange the repairs).
Lay up cover
By adding lay up cover, you may reduce your premium (and the cover CGU provides) for an agreed time while you're not using your caravan.
Motor burnout
Add cover for electric motor burnout in things like fridges and air conditioning units, including parts and labour. 5
Why choose to insure through CGU?
Flexible payment options
Choose your cover and pay fortnightly, monthly or quarterly at no extra cost.
Claims guarantee
CGU offers a lifetime guarantee on the workmanship of authorised repairs, valid for as long as you own the caravan.
Manage your insurance online
For policies purchased or renewed after DATE, certain updates can be made online.
Manage your insurance online
For policies purchased or renewed after DATE, you can make certain updates online, such as adjusting your excess amounts or optional benefits.
Simply log in to your account to see the available options. For assistance, call CGU at .
For significant changes, like purchasing a new car, please call us directly at .
Manage your insurance onlineNeed to make a claim?
Call our partner CGU's claims team 24 hours a day, seven days a week on 13 24 80 to lodge a claim.
Home or motor vehicle claims can also be made online by visiting the CGU Insurance claims page or by logging in to your CGU online account.
Frequently asked questions
Caravan Insurance covers items that are permanently kept inside your caravan, like furniture, bedding and appliances. To cover items you take outside your caravan (like jewellery, phones and laptops), check out Home Contents Insurance.
CGU will cover your touring caravan during the lay up period if you've told CGU and CGU agrees to the use. You'll also need to pay any extra premium that applies.
The changes you can make to your policies using your online account depend on the specific policies you hold.
For example, if you have a Comprehensive Car Insurance policy, you can:
- Add/edit the car's VIN
- Add/remove a windscreen option
- Add/remove a hire car
- Add/remove drivers
- Add/remove the car's credit provider
- Amend your excess
- Amend your sum insured
- Change and view your risk address
- Change kilometres driven/garaging
- Change the address where the car is kept
- Change your car's number plate details
- Switch from agreed value to market value
For more information about what changes you can make to your policy, please
contact CGU on 13 24 81.
Important information
Excesses and exclusion periods may apply. Refer to your Certificate of Insurance. For detailed terms, conditions, limitations, and exclusions, please read the Product Disclosure Statement.
Police & Nurses Limited (BCU Bank) ABN 69 087 651 876 AFSL 240701 acts under its own AFSL and under an agreement with the issuer Insurance Australia Limited ABN 11 000 016 722, AFSL 227681 under the CGU brand. The information on this website is general advice only and does not take into account your individual objectives, financial situation or needs (your personal circumstances). Before using this advice to decide whether to purchase a product, you should consider your personal circumstances and the relevant Product Disclosure Statement and Target Market Determinations (TMDs).
1. CGU may not cover you for some severe weather events during an embargo period (which is usually when CGU knows a severe weather event is about to occur).
2. CGU covers your legal liability for death or bodily injury to someone else, or loss or damage to someone else's property for an incident we cover.
3. CGU can cover motors for up to 15 years after they were made.