Comprehensive Caravan & Trailer Insurance

Our broadest level of cover for total peace of mind


All you need & more

Whether you take your caravan to the local camping spot or all around New Zealand, we know you want peace of mind no matter how long you’re travelling. Our comprehensive insurance covers you for unexpected things like fire, theft, storm, flood, and collisions - whether it’s your fault or not - and it foots the bill for emergency accommodation, transport, repairs and towing costs if your claim is accepted.

Policy Wording 

What’s included?

We know anything can happen out there, so we’ve tried to think of it all. Our standard policy covers you against a wide range of insured events, and comes with some extra benefits, like 24/7 Roadside Assistance.

Comprehensive policies include cover for accidental damage caused to the insured property.

Cover for damage that is caused intentionally is included under Comprehensive cover.

Cover for accidental damage to the caravan or trailer caused by a storm or flood is included as standard.

We cover your caravan or trailer for damage caused by fire.

Cover for damage caused by theft or attempted theft is automatically included.

Cover for damage to the caravan or trailer caused by earthquake.

If you’re involved in an insured event as a result of which you can no longer safely use your caravan or trailer and you’re more than 100km from home, we’ll pay up to $1,000 for your emergency accommodation, transport or repairs.

We’ve got you covered to the tune of $20 million for your legal liability, be it civil or reparation, to pay damages due to a claim for an accident that results in damage to someone else’s property.  There is also up to $1million cover for your legal liability to pay damages arising from accidental death or bodily injury.

Cover includes the reasonable cost of towing and storage of the caravan or trailer to a suitable place for safekeeping nearest to the incident location after an insured event.

Under Comprehensive or Third Party Fire & Theft, if the keys to your caravan or trailer are stolen, we’ll cover the cost of replacing the keys and recoding the locks up to $1000.

It’s not just your caravan or trailer we’ve got covered; we’ll look after your contents inside it too. Comprehensive policies cover up to $750 in total, up to $150 per item. You also have the option to upgrade this cover to up to $1,000 per item.

If your caravan or trailer is lost or damaged due to an insured event we’ll cover up to $1,000 for any caravan park cancellation or re-booking fees you incur.

If your travels take you from Cape Regina to The Bluff (South Island) within 30 consecutive days we’ll reward you with a traveller’s bonus of $200.

If your solar panels, TV antenna or dish are damaged at the same time as the caravan or trailer we’ll pay for their replacement.

We’ll cover the costs for accidental death and vet fees up to $5,000 if you’re transporting animals in the trailer and they are injured or die as a direct result of loss or damage to the trailer.

We’ll cover you for up to $10,000 for your legal liability under Maritime Law while the car is being transported by sea between ports within New Zealand.

Up to $1,500 per household member to cover the cost of counselling sessions after a claim.

What’s optional?

We don’t expect our standard policy to suit everyone, which is why we offer optional extras like contents upgrade and burnout of electric motor, so you can choose just the right amount of cover for your caravan, and not an ounce less.

You can choose to protect your annex from loss or damage caused by an insured event by adding this optional cover to your policy.

Comprehensive policies can be enhanced by opting to cover the costs of repairing and replacing burnt out electric motors up to $1,000.

If you carry and store business items in your caravan or trailer then this optional cover is a must for you. No tools = no work.

Upgrade your cover for contents inside your caravan to a maximum of $1,000 per item.

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We'll Take Care of You

As many good days as there are, we all have some not-so-good days, too. Our claims team is dedicated to taking care of you, every step of the way

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Ask Us Anything

We love questions, because if something is important to you, then it’s important to us that we get it right. Browse our FAQs or ask us anything here