Caravan & Trailer Cover Benefits Details
Cover for accidental loss or damage to your vehicle We will cover you for accidental physical loss (including theft) or physical damage to your caravan or trailer. At our option we will:
a) repair your caravan or trailer; b) pay the reasonable cost of repairing your caravan or trailer; c) pay you the market or nominated value of your caravan or trailer whichever is the lowest.
See PDS for full details
Replacement of new vehicle after a total loss If your caravan or trailer was purchased new by you and becomes a total loss within two years of the starting date of the original registration, we will replace your caravan or trailer with a new caravan or trailer of the same make, model and series. If a replacement caravan or trailer is not currently available, we will pay you either the market value or nominated value of your caravan or trailer, whichever is the lower amount.
If we replace your caravan or trailer, this policy will continue to cover your new replacement caravan or trailer until the end of the period of insurance. We will not require you to pay any additional premium for this cover.
Cover for damage to other people's property (legal liability) We will cover your legal liability to pay compensation for loss or damage to someone else's property caused by a motor vehicle accident which is partly or fully your fault. This cover will only apply if your legal liability arises out of the use of your caravan or trailer. See PDS for full details and conditions.
Contents We will pay for loss of or damage to your contents caused by or arising from:
a) an accident, in which your caravan or trailer is accidentally damaged at the same time; or
b) theft following forcible and violent entry to your caravan or trailer.
See PDS for details and conditions
Depreciation value of annexe after a total/ partial loss If your annexe is greater than five years old and a total/ partial loss occurs, and we decide to replace or pay you the costs of replacing it, we may subtract an amount of depreciation. This depreciation is calculated on the age and condition of the annexe at the time of loss. However we will not pay for any annexe that is greater than 10 years in age.
Legal costs Provided we agree in writing, we will pay for all legal costs and expenses in defending any court proceedings which may arise from a claim for accidental loss, damage or liability covered by your policy. We will not pay for legal costs and expenses relating to any criminal or traffic proceedings.
Towing Following an accident or theft of your caravan or trailer, 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 it is involved in an accident covered by this policy.
The maximum we will pay in respect of any one accident/event which results in a claim is $500.
Temporary accommodation Following an accident which causes your caravan or camper trailer to be uninhabitable, we will reimburse you for the reasonable costs of necessary temporary accommodation for you and your family. The maximum we will pay in respect of any one accident which results in a claim is $1000.
Transportation costs If your caravan or trailer can not be safely driven home after being:
a) involved in an accident; or b) subject to malicious damage; or c) stolen and recovered in a damaged condition; we will reimburse you for the cost of:
• travel necessary to return you, your spouse, your defacto and/or dependant children to your home and/or,
• transportation to collect your caravan or trailer when it has been repaired.
The maximum we will pay in respect of any one accident/event giving rise to a claim is $500.
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 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 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.