Caravan and Trailer Insurance

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

Call 131 846

Caravan and Trailer Insurance

Our Caravan and Trailer Insurance is specifically designed to cover caravans, camper trailers, domestic trailers and horse trailers. See the below table to see details of the cover.

For full details of the conditions, limits and exclusions on all our cover options, please refer to the Product Disclosure Statement (PDS)

Accidental loss of or damage to your caravan or trailer
Rest easy, we’ve got you covered for damage or accidental loss caused by theft, attempted theft, collisions, malicious damage and fire, and natural events such as hail, storm, flood or bushfire.
Cover for your caravan contents
We will 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 will pay up to $500 for emergency repairs which may be necessary to enable you to tow your caravan or trailer to its intended destination after your caravan or trailer is involved in an accident for which a claim is paid.
Food spoilage
We will pay up to $500 for spoiled food stored in either a caravan or camper trailer, as the result of it being damaged in an accident of which a claim is paid.
Legal liability
We will cover up to $20,000,000 to cover your legal liability for loss of or damage to someone else’s property which is caused by an accident which 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 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 is declared a total loss.
Towing
Following a covered accident, we will pay the reasonable cost of towing your caravan or trailer to the nearest repairer, place of safety or another agreed upon place after a covered accident.
Travelling costs
If your caravan or trailer cannot be safely driven home after a covered accident we will reimburse you up to $750 for you, your spouse and/or dependent children to get home.

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

Policy documents

We do not provide advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision please refer to the Product Disclosure Statement (PDS).
Talk to a local
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 provide Territorians with insurance options that are right for them. Almost 40 years on, we are still here because we are as committed and passionate about the Northern Territory as you are.

Minimum Premiums may apply

Any discounts/entitlements may be subject to rounding to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements. Discounts are available at the time of printing and are subject to change without notice.