Touring Caravan Policy Benefits

(Please refer to policy wording for applicable benefits and to the Certificate of Insurance for any limits that may apply)

Provides cover for Touring Caravans, Annexes and Contents:

$20,000,000 Legal Liability Cover

• for loss or damage to other peoples’ property caused by a motor vehicle accident involving your Caravan
• if you permanently live in your Caravan, you are also covered for bodily injury, death or illness to other people or loss or damage to other peoples’ property, caused by an occurrence other than a motor vehicle accident involving your Caravan

Accidental Damage

• including road accident, impact

Burglary, Theft or Malicious damage

• including theft or your Caravan
• including theft of your Contents items from your locked Caravan or camper trailer and the cost to repair any damage caused by thieves

Contents Cover

• accidental damage or theft
• including theft from canvas-sided camper trailers
• including theft from inside your Annexe

Discounts

• for over 50’s
• members of Family Parks
• members of Oz Parks
• members of Caravan Clubs
• No Claim Bonus

Escape of water or liquid

• including the cost to repair damage caused by a burst pipe or hot water service

Fire damage

• including the cost to repair damage caused by smoke and water

General Average

• this means if a ship’s captain sacrifices some of the cargo to save the ship, the owners of the remaining cargo must contribute towards the loss suffered by others

Increased cost of holiday accommodation

• we will pay up to $100 per day for 14 days if your Caravan is accidentally damaged and unfit to be occupied or is stolen and the claim has been accepted by us

Loss of Deposits

• we will pay you any non-refundable deposit you have made to a caravan park if you are unable to travel due to death or disablement, if you are called for jury duty or if a state of emergency is declared

Mechanical/Electrical breakdown

• we will pay the full cost to repair Caravan or Contents items eg: air conditioners, fridges/freezers under 10 years old
• includes but not limited to fusion
• no policy limit

Permanent address not required

• we will provide cover to you even if you do not have a permanent address, subject to applicable underwriting limits

Portable Personal Valuables

• we repair or replace any personal valuables that are accidentally lost, damaged or stolen as far as possible to original condition

Recovery of your Caravan

If your Caravan is damaged or stolen and recovered damaged, more than 100 kilometres from your home town:

• we will pay the cost of recovery of the Caravan to your home town OR
• we will pay the cost of travel for you to collect your Caravan
• this benefit applies either before or after repairs are effected

Recovery of the Contents of your Caravan

If your Caravan is damaged in excess of the agreed value, more than 100 kilometres from your home:

• We will pay the cost to transport your Contents to your home

Repatriation following illness or accident to the driver

If your caravan is unable to be towed due to the driver’s illness or accident:

• we will pay the cost to return your Caravan to your home

Repatriation following accident to the towing vehicle

If your Caravan is unable to be towed due to an accident to the towing vehicle:

• we will pay the cost to return your Caravan to your home

Storm, hail or lightning damage

• including cyclone and flood damage (see applicable excesses and exclusions)
• including solar panels, bike racks and roll-out awnings

Towing and storage following damage in an accident

• we will pay the cost of removing the debris from the accident and towing your Carvan to the nearest repairer
• we will pay the cost to store your Caravan if required & agreed to by MHIA