Best Caravan Insurance in Australia for 2025 Comparing CIL, NRMA and APIA

Australia’s Top Caravan Insurance Providers

Caravan insurance protects your investment against accidental damage, theft and weather damage across Australia’s diverse landscapes and harsh conditions, from the Australian outback to coastal breezes.

CIL, NRMA and APIA lead Australia’s caravan insurance market, each offering unique comprehensive policies for different caravan owner requirements and RV lifestyle preferences.

Choosing the right cover depends on usage patterns, budget constraints, age demographics and specific protection needs for your caravan adventures and travel plans.

CIL Caravan Insurance Review – Australia’s RV Specialist

For over 55 years CIL Insurance has been Australia’s leading specialist providing insurance cover for RV’s such as Caravans, Motorhomes, Camper trailer units, Slide-ons even Horse floats. This established insurer offers award winning insurance with customer focused service.

For more information on coverage options and policy features, check out CIL’s caravan insurance offerings which include touring, on-site and specialist coverage options.

Caravan Insurance Cover Types in Australia

CIL offers comprehensive policies with flexible cover options:

Touring Cover: Full cover anywhere in Australia while travelling or camping.

On-site Cover: Reduced premiums when your caravan is at a nominated address with on-site only cover.

Specialist Cover: Extended to motorhomes, camper trailer options and horse floats for various caravan types.

To compare Australia’s leading caravan insurance providers and cover options, visit the Australian caravan insurance directory for provider comparisons and industry insights.

Key Features & Benefits of CIL Caravan Insurance

New caravan replacement if your caravan is less than 2 years old if you bought the caravan new from first registration.

Standard inclusions:

• Up to $1,000 included contents cover for contents inside the caravan
• $20 million liability cover
• Storm, fire and theft cover including natural disaster protection
• Emergency repairs assistance with roadside assistance
• Emergency accommodation costs
• Windscreen & glass protection
• Locks and keys cover including re-keying & re-coding

Optional extras:

• Increased contents cover up to $3,000 per item
• Annexe cover
• Hire use cover
• Transportation by road, rail or sea
• Breakdown towing services

For more information on insurance disclosure requirements, check out Canstar’s PDS guide which explains how to read policy documents.

CIL Caravan Insurance Pros & Cons

Pros:

• Market leader with over 60 years experience
• High Renewal Rates: 85%+ of CIL’s customers renew their policies
• Fast Claims Resolution: CIL resolves most claims within 10 business days
• RV specialist knowledge
• Nationwide repairer network through AAI
• Claims support from experienced assessors

Cons:

• Policy premium cost is higher than some competitors at (A)$1810.15
• Limited online quotes
• Age and driver experience excess charges

Real customer reviews provide valuable insights into insurer performance and claims handling. Check ProductReview’s CIL insurance ratings for customer reviews and service quality scores.

Claims Process & Customer Support Experience

92%+ of claims submitted to CIL are approved, so you can trust our claim handling with professional claims assessors.

Claims process:

1. Contact CIL as soon as possible after incident
2. Provide incident details
3. Submit evidence and repair quotes
4. Assessment by qualified claims team
5. Authorisation and payment processing

Customer service available by phone with RV specialists. CIL’s preferred repairers are part of the AAI repairer network.

The caravan industry is growing fast with over 15.2 million trips per annum. Check out Tourism Research Australia’s caravan statistics for industry data and trends.

NRMA Caravan Insurance Review – Touring & On-Site Cover

NRMA Insurance has been protecting Australians for 100 years with comprehensive insurance policies and caravan cover options.

To see NRMA’s touring and on-site options visit NRMA’s caravan insurance page for policy details and coverage information.

Touring vs On-Site Caravan Insurance Options

NRMA Touring Caravan Insurance: We cover your caravan if it’s damaged in an accident. Fire, storm and flood – We cover your caravan if it’s damaged by fire, storm, flood or tsunami.

On-site only Options: Lower premiums for caravans sited at holiday parks.

Lay-up Cover: By adding lay up cover you may reduce your policy premium (and the cover we provide) for an agreed time while you’re not using your caravan.

Camping statistics across Australia can be found on CamperChamp’s data analysis which provides regional travel patterns and demographics.

NRMA Caravan Insurance Benefits & Features

Core benefits:

• New replacement: If your caravan is written off in its first two years we try to replace it with a similar new caravan after total loss
• Caravan Contents: We cover items that are permanently kept in your caravan if they’re damaged or stolen in an incident we cover (up to $1,000) for contents inside the caravan
• Emergency repairs: We pay for repairs you need to make after an incident we cover so your caravan is safe to use or tow (up to $800)
• Temporary accommodation: If your holiday caravan can’t be used after a covered incident and you’re more than 100kms from home, we pay for temporary accommodation (up to $1,000)
• Liability coverage for comprehensive protection

Additional features:

• 10% off first year’s premium online
• Fortnightly, monthly, quarterly, annual payments
• No excess for glass damage

Towing and storage costs BIG4’s caravan insurance guide has all the essential coverage tips and advice.

NRMA Caravan Insurance Pros & Cons

Pros:

• 100 years of insurance experience
• Online discounts
• Lay-up options with no maximum period
• Strong customer service reputation
• Available in all states
• Local agent connection

Cons:

• Only $800 for emergency repair, some brands offer up to $1,000
• Up to $20 million liability, some brands offer up to $30 million
• No option to choose your own repairer
• Liability concerns with coverage limits

For more information on what to look for in a policy, check out Canterbury Caravans’ insurance guide which has practical tips on how to evaluate policies.

APIA Caravan Insurance Review – Over 50s Specialist Cover

For over 30 years Apia has been providing great value products and services to Australians over 50, through the Suncorp network.

For over 50s coverage details, review APIA’s caravan insurance designed specifically for mature Australian travellers and their needs.

Comprehensive Plans & Coverage Inclusions

APIA Comprehensive Caravan Cover offers comprehensive insurance with optional trailer coverage under Caravan & Trailer Insurance plans.

Options:

• Australia wide touring with Suncorp Caravan Cover Australia Wide
• On-site only coverage for nominated locations
• APIA has two main types of insurance: comprehensive caravan insurance or trailer or animal transport float insurance

Extras:

• Annexe cover: APIA will cover the full cost of your annexe in the event of accidental loss or damage
• Contents cover: APIA’s comprehensive insurance does not cover any contents of your caravan
• Hire use protection
• Food preparation and food storage facilities cover for extended travel

For insurer comparisons and customer reviews, check out Compare Insurance Australia’s caravan section which has provider analysis and coverage experiences.

Over 50s Caravan Cover Benefits

Over 50s advantages:

• With APIA’s comprehensive plan you’ll have cover for floods and vandalism
• You could get up to $150 per day for up to 30 days if you need to claim for temporary accommodation costs
• Multi-policy discounts
• Work Less Pay Less® discount for reduced working hours
• Experienced customer service team
• Professional advisers available to consult
• Financial protection for mature travellers

APIA Caravan Insurance Pros & Cons

Pros:

• You can choose your own repairer if you need to repair your caravan after a claim
• Generous temporary accommodation benefits
• Multi-policy discounts
• Age relevant service
• Part of the Suncorp network
• Covers electronic tablets and other modern equipment

Cons:

• Only covers your personal contents as an extra
• $1110.93 (A) more than some other brands
• Over 50s only
• Network administrator restrictions apply

Caravan Insurance Comparison – CIL vs NRMA vs APIA

Coverage & Features Table

Pricing & Discounts Australia

Based on recent market analysis for a typical touring caravan:

Budget options:

• APIA: (A)$1110.93
• NRMA: (A)$1467.35
• CIL: (A)$1810.15

Discounts available:

• NRMA: Online discounts up to 10%
• APIA: Multi-policy and Work Less Pay Less discounts
• CIL: Loyalty discounts for long-term customers

Payment options vary, NRMA has the most flexible payment options including fortnightly payments. Consider caravan park fees when budgeting for total ownership costs.

For more comparison insights and tips, check out Finder’s caravan insurance guide which covers pricing factors, coverage options and policy selection.

Best Caravan Insurance by Need

Best for New Caravan Owners

CIL has the most comprehensive new caravan replacement program. If your caravan is written off within the first two years of registration, CIL will replace it with a brand new caravan of the same make and model, including Jayco caravan insurance.

Benefits for new owners:

• Specialist knowledge
• Automatic contents cover
• Strong industry reputation
• Direct relationships with caravan dealers

Best for Full-Time Caravan Living

NRMA is the best value for full-time caravaners with flexible options and no limits on lay-up periods.

Benefits for full-timers:

• Extended temporary accommodation cover
• Nationwide coverage
• Flexible payment plans
• Safety practices support including lithium-ion battery safety guidance

Best for Occasional Users

NRMA’s lay-up cover allows reduced premiums during storage periods with no maximum time limit, perfect for on-site only storage.

Perfect for occasional use:

• Cost-effective storage cover
• Easy policy adjustments
• Online discounts
• Covers accidental damage during storage

Best for Budget

APIA is the cheapest at (A)$1110.93 per year with comprehensive cover for over 50s through various insurers.

Budget features:

• Lowest base premiums
• Multi-policy discounts
• Work Less Pay Less options
• Access to GIO Australia Wide and AAMI Caravan Australia Wide networks

Best for Premium

CIL is the most specialist and comprehensive caravan & trailer insurance in Australia. Despite being more expensive.

Premium features:

• Market leading expertise
• Fastest claims processing* Highest approval rates
• More optional cover
• Youi Comprehensive Caravan and Trailer options
• Car & vehicle cross-cover

Choosing the Right Caravan Insurance – Summary

CIL has the specialist knowledge, NRMA has the flexibility, APIA has the budget for over 50s caravan owners.

Choose your cover based on how often you use your caravan, where you store it, your budget and what you need to be protected for Australian conditions. Do you need on-site only or full touring cover?

Read Product Disclosure Statements carefully, check claims processes and consider extras to make sure you’re covered for all your adventures. Talk to experts to find the right policy for you.