Inclusions 

What’s included:  

• 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 benefits you can add when you get a quote: 

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.³  

What you need to know: 

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. 

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. 

Questions 

Here are our most common of questions about our Caravan Insurance. Have a different question? Call us on 1300 13 23 28 to talk with one of our friendly team members. 

Is my caravan covered if I have an accident whilst towing it on the road? 
Yes, your caravan is covered if it’s involved in an accident on the road. 

 
If my caravan is damaged or stolen while we’re on holiday, am I covered for alternative accommodation costs? 

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). 

Are the things inside my caravan covered? 

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. 

Can I use my caravan during the lay up period? 

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. 

Do you offer flexible payment options?  

Yes, you can choose to pay fortnightly, monthly or quarterly at no extra cost.​ 

How do I make a claim?  

If you need to make a claim under your insurance, simply call CGU Claims on 13 24 80 to make a paperless claim. They’re available 24 hours a day, 7 days a week.