Caravan & Trailer Cover BenefitsDetails
Cover for accidental loss or damage to your caravan or trailer We will cover you for accidental loss of (including theft) or damage to your caravan or trailer subject to the terms and conditions of the policy (including those relating to the limits and excess). See PDS for details.
Replacement of new caravan or trailer if it is written off within 2 years of original registration We will replace your caravan or trailer with a new caravan or trailer of the same make, model, size and features including any modifications, options and accessories, so long as it is available in Australia and provided that: your caravan or trailer is a total loss, you purchased it new from the manufacturer or their dealer, where your caravan or trailer is financed, your financier has given us written consent and your caravan or trailer is less than two years old from when it was first registered at the time it is declared a total loss.
Your legal liability for loss or damage to other people’s property (up to $20 million any one event or series of events) We will cover your legal liability to pay compensation for loss or damage to someone else's property that is caused by an accident which is partly or fully your fault which occurs during the period of insurance and arises out of the use of your caravan or trailer. See PDS for details.
Contents We will pay for accidental loss (including theft) of or damage to your contents contained in your caravan, but not your trailer, up to a maximum of $1000 in total caused by or arising from a covered accident.
See PDS for details.
Cover for loss or damage to your annexe We will cover you for loss or damage to your annexe. If your annexe is greater than five years old, and a total or partial loss occurs and we decide to replace or pay you the cost of replacing it, we may subtract an amount for depreciation.The depreciation is calculated by us based on a number of factors including the age and condition of the annexe at the time of the loss.The maximum amount we will pay in respect of any one incident is the nominated value or, where specified separately, the most we will pay is the accessories amount specified on your policy schedule.
Legal costs Provided we agree in writing, we will pay for all legal costs and expenses in defending any court proceedings arising from a claim for liability covered by the policy. We will not pay for legal costs and expenses relating to any criminal or traffic proceedings.
Towing Following a covered accident, we will pay the reasonable cost of protection, removal and towing of your caravan or trailer to the nearest repairer, place of safety or any other secure place which we agree to.
Emergency repairs We will reimburse you for the cost of emergency repairs which may be necessary to enable you to tow your caravan or trailer to its intended destination after a covered incident.
The maximum we will pay in respect of any one incident is $500.
Emergency accommodation We will pay for any reasonable accommodation expenses incurred by you as a result of a covered accident, provided that at the time of the covered accident your caravan was more than 100 kilometres from the address where it is normally parked at night.The maximum we will pay in respect of any one incident is $100 per day up to a maximum of $1000.
Travelling costs If your caravan or trailer can not be safely driven home after a covered accident we will reimburse you for the reasonable cost of travel necessary to return you, your spouse, your defacto and/or dependant children to your home.
The maximum we will pay for one incident is $750.
Spoilage of food When we pay a claim for loss or damage to your caravan or trailer or contents, we will pay up to $500 for food that is damaged by the same event and cannot be eaten.
Optional Benefit 
Fusion (up to $500) If your current schedule shows that the fusion option applies and an electrical current damages the electrical motor of one of your contents during the period of insurance we will, at our option, either pay the reasonable cost to rewind the motor or replace the motor. See PDS for details and conditions.
Increased contents cover (subject to underwriting limits) Where the schedule shows that increased contents cover applies, we will pay for accidental loss of (including theft) or damage to your contents contained in your caravan for a covered accident, up to the sum insured you nominate as shown on your policy schedule. At our option we will:
a) repair or replace your lost or damaged contents; b) pay you the reasonable cost of repair or replacement; c) pay you up to the sum insured noted on your schedule under “Contents”.

This table is a guide only. For more information on what is covered and what is not covered and any limits and excesses that apply, please refer to the Product Disclosure Statement.