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Caravan Insurance

Your caravan is your freedom, protect it so you can keep exploring

Storm damage, theft, and accidents on the road: caravans are expensive, mobile assets with unique risks. As a founder who’s earned the freedom to travel, Caravan Insurance ensures your adventures stay protected.

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What could go wrong

(and why you need this)

Caravans are mobile homes worth tens of thousands, and they’re exposed to road risks, theft, and damage everywhere you travel. Rollovers, hailstorms, theft from storage, fire at campsites, your car insurance doesn’t cover your caravan, and one major incident can write off your entire investment. Without insurance, you’re left with a loan for a destroyed van and no way to continue travelling.

Scenario 1

The highway rollover

You’re towing your $75,000*  caravan on a windy highway. A sudden gust catches the van, fishtailing begins, and despite your best efforts, the caravan rolls.

Total write-off. You’re okay, but your investment is destroyed. Loan balance: $58,000* . Without insurance, you still owe $58,000*  with no caravan.

What Caravan Insurance covers

Total loss payout at agreed value, emergency accommodation while stranded, towing and recovery, and removal of wreckage.

Scenario 2

The annex fire

You’re camped at a caravan park. Your annex catches fire from a faulty heater. Fire spreads to your caravan, destroying it and damaging two neighbouring caravans.

Your loss: $65,000* . Their damage: $40,000*  combined. Claims against you: $40,000* .

What Caravan Insurance covers

Your caravan replacement, contents inside, liability for damage to other caravans, fire brigade charges, and legal defence costs.

Scenario 3

The storage yard theft

Your caravan was stolen from a secure storage facility. It was found 3 weeks later, stripped of solar panels, batteries, air conditioning, appliances, and electronics.

Theft and damage: $32,000* . Recovery and repairs: $6,000* . You can’t use it for months.

What Caravan Insurance covers

Theft and vandalism damage, the cost to repair or replace stolen items, and hiring a van while yours is being repaired.

Scenario 4

The hailstorm

A freak hailstorm batters your caravan in storage. Roof dented, skylights smashed, external panels damaged, resulting in water ingress that causes internal damage.

Repair costs: $28,000* . The van was only worth $45,000*  before the storm.

What Caravan Insurance covers

All hail damage repairs, water damage remediation, contents damaged by water ingress, and temporary accommodation if you live in it.

What this actually covers

Caravan Insurance

Caravan Insurance (also called RV or Camper Trailer Insurance) protects touring caravans, camper trailers, and motorhomes:

Types covered:

  • Touring caravans and vans
  • Pop-top caravans
  • Fifth-wheelers
  • Camper trailers
  • Slide-on campers
  • Motorhomes and RVs
  • Off-road and hybrid vans

Physical damage:

  • Accident damage while towing or parked
  • Fire, explosion, and storm damage
  • Flood and water damage
  • Hail damage
  • Theft and attempted theft
  • Vandalism and malicious damage
  • Impact and collision

Contents cover:

  • Furniture and bedding
    – Kitchen appliances and utensils
    – Electronics (TV, stereo, devices)
    – Awnings and annexes
    – Solar panels and batteries
    – Generators
    – Bicycles and outdoor equipment
    – Personal belongings while in van

Third-party liability:
– Damage to other vehicles or property
– Injury to other people
– Damage while setting up or packing down
– Legal defence costs

Additional cover typically included:
– Emergency accommodation (if van uninhabitable)
– Alternative transport home
– Re-pitching and set-up costs
– Towing and recovery
– Keys and locks replacement
– Disconnection costs (if damaged while coupled)

Optional extras

  • On-site vans (permanent caravan park placement)
  • Agreed value (vs market value)
  • New-for-old replacement (first 2 years)
  • Accessories and modifications
  • Off-road use extension
  • Touring overseas (limited to certain countries)

What's typically not covered

  • Wear and tear or gradual deterioration
  • Unsuitable tow vehicle
  • Overloading beyond weight limits
  • Permanent residential use (need different cover)
  • Using commercially (accommodation rental)
  • Deliberate damage

When you need this

By founder stage

Protecting your touring investment

You need this immediately if you:

  • Own a caravan worth more than $15,000
  • Finance a caravan (lender requires insurance)
  • Tour regularly (higher exposure to road risks)
  • Store at caravan parks or storage yards
  • Can’t afford to replace from savings
  • Have expensive fit-out or modifications

Agreed value vs market value:
Caravans depreciate, but custom fit-outs add value. An agreed value is recommended for vans exceeding $40,000 or those with significant modifications.

Typical coverage

Agreed value or market value, $20M third-party liability, contents up to $10k-$30k, and emergency accommodation.

For founders enjoying travel freedom

Consider

  • Full-time travel vs occasional use (different risk profiles)
  • Off-road vs sealed roads only (affects premium)
  • Storage security when not in use
  • Geographic limits (Australia only vs overseas)

Stay on top of your cover

Keep in touch with the team at Pocket to ensure your coverage is fit for purpose.

Common questions

Founders actually ask

Does my car insurance cover my caravan?

Car insurance covers the tow vehicle, not the caravan. Caravans need separate insurance.

Some policies include limited towing liability, but this doesn’t cover your caravan—only damage you cause while towing it.