Caravan insurance 

It depends on the circumstances of the claim. When you lodge your claim we'll advise how and when your excess needs to be paid.

You may not have to contribute an excess towards your claim if we determine the incident was solely the fault of a third party (not the person in charge of your vehicle at the time of the incident) and you provide us with the third party’s name, vehicle registration number and contact details.

We will determine liability after we are in possession of all the relevant facts.

We may ask you to pay your excess directly to us, to our repairer/supplier or deduct it from any settlement we make to you.

Please refer to our Premium, Excess and Discount (PED) Guide.

Please arrange a quote through your choice of caravan repairer and send the quote to assessing@rac.com.au with the claim number in the subject line.

Your caravan or trailer is covered for the agreed value shown on your schedule, which can be found by viewing your policy online through myRAC. As caravans depreciate each year, your agreed value (sum insured) may decrease at each renewal. You have the option to adjust this by managing your policy online or calling us on 13 17 03 when you receive your renewal.

If we assess your caravan or trailer as not safe or economical to repair, it will be declared a total loss and our motor assessing team will contact you. When your claim is settled, your policy may be cancelled as per the standard terms and conditions of your Product Disclosure Statement (PDS). If you pay your annual premium by monthly installments, any outstanding amounts will need to be paid on completion of your claim.

When the damage is such that your caravan or your trailer cannot be safely towed and you arrange for temporary repairs to make it safe, secure or roadworthy, we will pay for those repairs up to $750.

Your no claim bonus is a discount applied to your comprehensive car or caravan/trailer premium as a reward for your safe driving. Your no claim bonus may decrease when you make a claim where there is no third party to recover costs from. For more information please see your Product Disclosure Statement (PDS) and our Premium, Excess and Discount (PED) Guide.

An excess is the amount that you’re required to pay when you make a claim. This is the amount you agreed to when you purchased your policy.

You can check your policy's excess amount online, on your schedule or in our Premium, Excess and Discount (PED) Guide.

Depending on your circumstances, you may need to pay more than one type of excess. We will tell you if any other excess applies based on your individual risk details and claim scenario.

If your caravan or trailer has been deemed a total loss, we will return your registration plates to the Department of Transport. Refunds can be obtained from the Department of Transport approximately one calendar month after you have received your total loss confirmation letter from us. You can find your nearest Department of Transport centre on their website.

When you purchase a replacement vehicle please contact us on 13 17 03 to arrange your new cover.

If your caravan or trailer has been deemed a total loss, make sure you remove all personal items from your caravan. In most cases, we’ll return your caravan registration plates to the Department of Transport. We will contact you to discuss settlement and any additional documents needed to settle your claim.

Any additional required documents can be sent with your claim number to:

• Email: claims@rac.com.au
• Fax: +61 8 9436 5100
• Mail: RAC Claims, GPO Box C140, Perth WA 6839

If your caravan needs to be towed as you can no longer tow it, call 13 17 03 and we will arrange towing to the nearest approved repairer or to a safe location that we choose.

We will pay up to $200 to replace the keys and locks to your caravan or your trailer when you have been permanently deprived of your keys because they have been lost or stolen. Please contact us on 13 17 03 and we will advise of the process for key/lock replacement.

If your caravan has been deemed a total loss and it is still under finance, we’ll pay the amount owing to your financier first and you will receive payment for any remaining amount less deductions as stated in your Product Disclosure Statement.