Vehicle Insurance, Club
Membership Insurance and Travel Insurance
insurers will cover your registered vehicle and registered RV for travel on
gazetted roads. If you are in any doubt you will be covered driving on the
beach or in remote areas always check your insurance policy or with your
insurer before departure. For example, one insurer doubles the basic excess
if your vehicle is driven on a beach.
motorhome owners you may want to ensure your insurance policy covers you for
electrical motor burnout.
familiar insurance company names are – CIL (Caravan Insurance Leaders), NRMA
Insurance, RACQ Insurance, AAMI, RAA Insurance Limited and CGU.
Motorhome, Fifth-Wheeler and Campervan Insurance - the
Campervan and Motorhome Club of Australia (CMCA) have an insurance scheme
for financial members of the club.
The club has a contact, Ken Tame & Associates of Kew,
Victoria, who will arrange cover and will only insure caravans if they also
have the insurance cover for your tow vehicle as well (as a combined unit).
The insurance covers the tow vehicle and caravan whether they are used
together or separately from each other.
Insurance is underwritten by Allianz Australia
Automobile Club Membership
hour roadside assistance in the event of a vehicle break down, join a motor
vehicle association such as RACQ, NRMA, RACV, RAC WA etc. These automobile clubs also
provide legal assistance, member discounts and free maps. Consider
upgrading to one of their top membership packages such as Ultra Care or
Premium Care, as quite often these memberships have benefits more suitable
to trailer or caravan travellers.
For those of you who have an iPhone,
automobile clubs now have an application you can download
for free from iTunes to allow users to contact the
automobile club for immediate roadside help without having
to make a ‘phone call. The app uses your iPhone built-in GPS
to determine your location and will remember your membership
number and vehicle details. For example, Queensland’s ‘RACQ
Mobile Roadside Assistance’ iPhone App provides confirmation
of your request for roadside assistance and an approximate
time frame for when the roadside assistance vehicle will
arrive. The app is available to RACQ members as well as
Most automobile clubs offer Aussie Assist free with
either their membership fee or comprehensive motor vehicle
policy. Aussie Assist 24 hour emergency assistance can help
you (or immediate family member living with you) if you are
in trouble more than 100 klms from home. They assist in
arranging medical support, air transport, accommodation and
You may also wish to investigate travel insurance in the
event you need to cover the cost of flying home and/or the
transport of your RV back home. There are transport
companies who specialise in the transport of boats, cars and
If you have a serious accident or health issue that prevents
you from driving back home the next best way to get home may
be by air. Insurance cover may also be required for your
spouse/partner to assist or accompany you home.
Cover can be obtained for other things such as additional
accommodation and the cost of storing and/or getting your RV
transported back to your residence especially if your spouse
or partner is unable to capably do so. You should check if
this may already be covered under your existing RV insurance
or if it may need to be ‘topped up’.
Some insurers will provide this type of travel insurance to
cover the term of your holiday say 3 – 12 month trip around
traveling interstate you may wish to ensure you are covered
for ‘emergency’ and ‘non-emergency’ ambulance transport.
See Lets-Getaway.com Article -