Caravan and motorhome insurance


is one more essential for the gray nomad to shop around for, before leaving for the big trip.

Consider memberships to caravan or motor vehicle service clubs that may give discounts to members. Often combining policies with one insurer will allow for a considerable discount.

Essentials to organize before you leave on a trip.

Have copies of insurance policies with you in the mobile home and the originals in a safe storage area where a nominated family member, next of kin can access these in an emergency.

Organize for automatic bank withdrawals for payment of policy renewals.

Have reminder notes in your diary so you can ensure sufficient funds will be in the account when the automatic renewal date arrives

What is usually covered by RV insurance?

While RV insurance can vary widely from one insurance company to the next, there are some points that are standard:

Personal and third party liability, to cover you, your passengers, and any other vehicle, person or property that may be damaged in an accident.

Comprehensive cover for repairs to the RV after an accident, typically including windscreen replacement.

Contents cover. The standard amount included in your policy ranges from $1,000 to $10,000, depending on the company insuring you.

What not usually covered by RV insurance?

RV insurance frequently pays out only the market value of the campervan or motor home when it is destroyed or stolen, rather than paying the full price for a replacement. Also, many policies will not cover certain personal items you carry inside the RV, such as computers.

The photo is of a little accident we had at Mullawa in 2008.  I want to say a huge thank you to Caravan Court, Springvale for expert and affordable servicing of our Eco-Tourer slip stream caravan and repairing the damage from this accident at no charge as part of our warranty. ***** Five stars for excellence of after sales service.  Thank you also to the friendly local with the earth moving equipment who helped us out of the jam we were in. :-).

The best insurance is to do your homework and choose the best travelling home suited to your needs that you can afford. 

Ask other caravanners about the reliability of the RV manufacturer before you buy.