Caravan and Trailer Insurance

New for old replacement if your caravan is a total loss, less than 2 years old & bought new by you1

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Caravan and Trailer Insurance

Our Caravan and Trailer Insurance is specifically designed to cover caravans, camper trailers, domestic trailers, and horse trailers.

The following is a limited summary of some of the features available in our Caravan and Trailer Insurance. For full details of the conditions, limits, and exclusions on all our cover options, refer to the Product Disclosure Statement (PDS)

Accidental loss of or damage to your caravan or trailer
Cover for accidental loss of (including theft) or damage to your caravan or trailer including collisions, fire, and natural events occurring 72 hours after the policy is first taken out such as, cyclone2, flood2, or bushfire2.
Cover for your caravan contents
We'll pay up to $1,000 for the accidental damage or loss (including theft) of your contents contained in your locked caravan, but not your trailer, for any one incident caused by or arising from a covered accident.
Emergency repairs
We'll pay up to $500 for emergency repairs that may be necessary to enable you to tow your caravan or trailer to its intended destination after a covered accident.
Food spoilage
We'll pay up to $500 for food stored in either a caravan or camper trailer, as the result of it being damaged in a covered accident.
Legal liability
We'll pay up to $20,000,000 to cover your legal liability for loss of or damage to someone else’s property that's caused by an accident that is partly or fully your fault, for any one event or series of events.
New for old replacement of a new caravan or trailer
New for old replacement of a new caravan or trailer after a total loss, if you purchased your caravan or trailer new from the manufacturer or dealer and your caravan or trailer is less than 2 years old from its first registration at the time it's declared a total loss and if financed your financier approves.1
Following a covered accident, we'll pay the reasonable cost of towing your caravan or trailer to the nearest repairer, place of safety, or another agreed upon place.
Travelling costs
If your caravan or trailer can't be safely towed home after a covered accident, we'll reimburse you up to $750 for the reasonable cost of travel necessary for you, your spouse and/or dependent children to get home.

This is a summary only of some of the policy features available on Caravan and Trailer Insurance. Policy terms, conditions, limits and exclusions apply. We do not provide advice on this insurance based on any consideration of your objectives, financial situation or needs. Before making a decision, consider the relevant Product Disclosure Statement (PDS) and Supplementary PDS (where applicable) which set out the standard terms, conditions, limits, and exclusions of our Caravan and Trailer Insurance.

For more information on the cover available, see our Product Disclosure Statement.

We understand the unique conditions faced in the Territory

TIO is based in Darwin and our strength lies in our solid understanding of the conditions faced within the Territory year after year.

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Our contact centre and claims teams live and work in the Territory, so we know Territory conditions.
Trusted since 1979
TIO was established in 1979 to offer Territorians a range of insurance options to choose from. We're as committed and passionate about the Northern Territory as you are.

*Conditions apply

1. New for old replacement after a total loss

If your caravan or trailer was purchased new by you from the manufacturer or their dealer 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 – subject to the consent of the financier. If a replacement caravan or trailer is not currently available, we will pay you the nominated value of your caravan or trailer, being a reasonable sum that fairly represents the value of the caravan or trailer.

2. 72 hour waiting period for loss or damage occurring from cyclones, bush fires or floods

As the Territory is subject to catastrophic weather events, it is necessary for us to apply a 72 hour waiting period for loss or damage occurring from cyclones, bush fires or floods. This means if you arrange new insurance or make a mid-term alteration such as increase sums insured, you will not have cover for these events until 72 hours after purchase or alteration.