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:
Contact CIL as soon as possible after incident
Provide incident details
Submit evidence and repair quotes
Assessment by qualified claims team
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.
Originally Published: https://www.caravansforsale.com.au/best-caravan-insurance-australia-2025-cil-nrma-apia-comparison/
Comments
Post a Comment