Home' Caravanning Australia : Spring 2012 Contents 34 • Caravanning Australia • Spring 2012
Managing insurance should be a key part of planning
for your spring road trip. With increasing numbers of
retirees buying a caravan or motor home and hitting
the open road, it is vital to ensure that your vehicle, caravan, and
your permanent home have adequate insurance protection.
It is likely you will be spending a considerable amount of
time in the vehicle, both on the road and at campsites or holiday
Make sure to visit your state road authority for advice on
preparing your vehicle ahead of a long road trip, or alternatively
visit the Australian Automobile Association website at
The site provides contact details for all of the motoring clubs
operating across Australia, and is an invaluable resource for
A range of insurance companies offer insurance cover for
caravans. One popular option is to contact the company that
provides your motor vehicle insurance policy to see if it offers this
type of cover, and sometimes insuring both your car and caravan
with the same insurer can lead to a discounted rate.
An important factor to consider is the value of your caravan.
If it is new, this is likely to be easy to do. Often if the vehicle is
new or only a couple of years old, your insurer may offer a new-
for-old replacement if the caravan is damaged beyond repair.
If your vehicle is older, however, you should carry out your
own research to determine its value. This could be done by
checking online sales sites for caravans similar to yours. You
should speak with your insurer to determine the best cover for
When speaking with your insurer, make sure that you discuss
the contents of the caravan, such as any electrical items,
clothing or bedding, to check if these are also protected.
Many insurers offer domestic travel insurance policies. This
can cover things like emergency accommodation and vehicle
replacement, so should the worst happen and your vehicle
breaks down, you should be able to get moving again relatively
quickly or find alternative accommodation while repairs are
carried out, depending on the policy you purchase.
If you are planning an extended trip, contact your insurer and
thoroughly check the terms and conditions of your home and
contents policy to determine whether your home is covered while
you are away.
Although some policies may exclude cover for homes
that are left empty, a large number of insurers offer home and
contents policies, each of which has different inclusions and
For all types of insurance, you should shop around to find
the best product that suits your situation, and read the Product
Disclosure Statement carefully.
Following these tips should help to ensure that your home
Contact your insurer if you have further questions about your
level of protection. For more information on general insurance,
including home and contents, vehicle, and caravan, please visit
the Insurance Council of Australia's website:
The ICA's top 10 tips to follow before you
leave home are:
1. Don't put your travel plans on social media --
remember; protecting personal information is an
essential part of reducing the risk of burglary.
2. Have a qualified locksmith fit all doors and windows
with good-quality locks, especially deadlocks for
3. Consider installing security screens over doors and
windows to impede burglars, and a back-to-base or
4. Remove any keys you may have left hidden outside
the property, such as under mats or pot plants.
5. Put all ladders, garden tools and implements away.
6. Install motion-sensitive external lighting.
7. Take steps to make sure your house looks lived
in -- the interior should be left tidy, the gardens well
8. Ask neighbours to regularly empty your letterbox,
put your bins out and back in, and if you're
away for more than a couple of weeks, have
someone trim your lawn.
9. Trim any trees or bushes that are close to the house
to remove hiding places.
10. Put any cars in your garage. If you don't have off-
street parking, park your car in a highly visible place,
preferably under a streetlight, and make sure it has
By Chris Sealey, Insurance Council of Australia
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