Hubby cant see why. Its covered when hitched to car.
Help me convince him its needed
Or put my mind at rest if its not needed
Bruce and Bev said
01:39 AM Feb 15, 2016
have you read the insurance policy yourself?
I'm not aware of the motor vehicle policy that will cover your RV and its contents.....
That's why there are specialist RV insurers and all the major insurance companies have RV (like a caravan, for example) policies.
brickies said
07:24 AM Feb 15, 2016
Would like to know the name of your insurance company that cover your RV when on the car .
NeilandRaine said
07:35 AM Feb 15, 2016
What happens if it catches fire when your not hitched. That does happen............ a lot
Sharke said
07:43 AM Feb 15, 2016
NRMA Premium care covers trailers and caravans but only up to maximum weight of 2 Tonnes. Cheers Jeff coverrs caravan
Edit sorry for confusion i have my insurance and my roadside assist confused .Premium care is only a roadside assistance packaage but covers caravan or trailer up to 2 Tonnes if being towed by nrma insured vehicle.
-- Edited by Sharke on Monday 15th of February 2016 05:38:10 PM
brickies said
08:02 AM Feb 15, 2016
What does Nrma Premium care cover , I thought it was a break down service and recovery service , I have the RACQ Top cover and it does not cover repairs or replacement of my caravan ,
Koala said
08:15 AM Feb 15, 2016
Hi,
I would definitely be taking hubby to Nrma or equivalent I am pretty sure you will find out that the van is not covered, if that was the case we would all be better financially by not having to pay huge insurance premiums ??
K J
jules47 said
08:20 AM Feb 15, 2016
Definitely need to insure the van as well as the car. Know a guy who has been travelling with only third party, fire and theft,. Something happened in the gear box, ended up burning the complete wiring system in their truck. Now before anyone jumps in, that may not have been covered, but, some accomodation costs and towing costs would have been.
They are on Central coast NSW, paying $49 a day for a site, which went to $79 over the holiday season!
But insurance,much as we hate paying the premiums, is an absolute Ne Edith, I my opinion.
dogbox said
11:28 AM Feb 15, 2016
he may be partly right but it would be the ctp insurance that is covered by the tugs insurance not the comprehensive cover
it is what happens when people read something an stop reading when they see something that suits them without reading the whole thing
Hey Jim said
12:14 PM Feb 15, 2016
banditandjo wrote:
I want to insure our new rig
Hubby cant see why. Its covered when hitched to car.
Help me convince him its needed
Or put my mind at rest if its not needed
Hi Joanne,
You Must.
If your van is involved in Third Party Property damage /Public liabillity alone, It could / Would wipe you out financhally.
Eg: You pull over in a small town a bit tired from the drive, Clobber a shop Awing that brings down the face of the building and anyone below.
Don't say it can't happen to you both, It can And DOES.
If you can afford to be on the road. Don't scrimp on such an important issue.
Regards Hey Jim & Lambie
rockylizard said
12:51 PM Feb 15, 2016
Hey Jim wrote:
Hi Joanne,
You Must.
If your van is involved in Third Party Property damage /Public liabillity alone, It could / Would wipe you out financhally.
Eg: You pull over in a small town a bit tired from the drive, Clobber a shop Awing that brings down the face of the building and anyone below.
Don't say it can't happen to you both, It can And DOES.
If you can afford to be on the road. Don't scrimp on such an important issue.
Regards Hey Jim & Lambie
Gday...
Hey Jim, in the example you use, the CTP of the VEHICLE covers any Third Party Damage by the van WHEN attached to the vehicle ... or if attached to the vehicle BEFORE it took off and clobbered any public or property causing damage - including hitting and causing injuries to persons.
The insurance on the van is sensible (and required) to cover things such as damage to the van when travelling or when parked - camping or otherwise.
If you are travelling along the highway and a big rock comes up from a road-train and causes any damage to the van it will ONLY be covered for repair by an insurance policy on the van itself. The vehicle insurance - CTP or otherwise - will not pay for the repair.
Attached to an insurance policy on the van will be a Personal Indemnity attached to it (probably about $20mil) to cover for any injury/damage caused by the van when not attached to the vehicle. An example may be that a visitor to the van goes to step inside and the step breaks causing them to fall down and sustain injuries - broken bones, head, brain damage, becomes incapacitated etc etc.
Cheers - John
-- Edited by rockylizard on Monday 15th of February 2016 12:52:51 PM
Bruce and Bev said
01:01 PM Feb 15, 2016
Joanne - why don't you phone your insurance company with the policy number handy and ask them if your car covers your rig?
If they do, ALL the members on this site would love to know who you are insured with so we can get quotes - but as all the others have said, its unlikely such a policy exists and you need to find out if it covers theft of gear, cyclones, hail damage etc..........
Nowdays, all Insurance companies are required to issue an easy to read PDF (product disclosure form). This is usually a booklet mailed to you or on-line and that should tell you in easy to understand terms what your policy does and does not cover.
I use CIL - who are specialists in caravan and motor home (RV) insurance. They, and others like them, provide more "bang for your buck" and cover items that mainstream companies don't. It costs me around $800 pa for an agreed replacement value of $75K, plus $6K of items which get stolen or damaged (like clothing, laptops etc)
If you decide to get specific insurance for your RV, be careful of using mainstream insurers. They often do not cover many essential things or limit cover to "named" roads (its all in their exceptions). You may save $100 or so by bundling with your house and car insurance only to find the damage or theft that you make a claim for one day is not covered by the policy
Desert Dweller said
01:19 PM Feb 15, 2016
Insure your van! Common sense.
Dav4Cris said
01:21 PM Feb 15, 2016
Think Hubby is think Greenslip not Insurance. Need to get insurance for van.
Lesley F said
01:41 PM Feb 15, 2016
When I stayed in a Darwin C/park, there was a regular thief who stole from tourists, so keep doors locked.
I was also warned, if you're staying in a cabin, lock downstairs and upstairs, because thieves climb balcony's.
It's creepy thinking someone maybe watching whilst your asleep.
RosieW said
02:15 PM Feb 15, 2016
You need insurance - what if you park up, get burgled/have a fire? Or some fool drives into you while you are parked up, and they DON'T have insurance or only CTP - which can take forever to pay out?
PeterD said
08:41 PM Feb 15, 2016
I think your husband is confusing comprehensive (that includes third property insurance) and third party persons insurance (also called green slip in NSW.)
In most states when you are on the road the third party persons insurance is covered by the policy on the tug. (I may be out of date here, I have not checked that for some years. At that time it did not apply in SA and WA.)
The same does not apply with comprehensive or third party property insurance. The van needs to have its own policy for you to be covered in that case.
03_Troopy said
09:55 PM Feb 15, 2016
rockylizard wrote:
Hey Jim wrote:
Hi Joanne,
You Must.
If your van is involved in Third Party Property damage /Public liabillity alone, It could / Would wipe you out financhally.
Eg: You pull over in a small town a bit tired from the drive, Clobber a shop Awing that brings down the face of the building and anyone below.
Don't say it can't happen to you both, It can And DOES.
If you can afford to be on the road. Don't scrimp on such an important issue.
Regards Hey Jim & Lambie
Gday...
Hey Jim, in the example you use, the CTP of the VEHICLE covers any Third Party Damage by the van WHEN attached to the vehicle ... or if attached to the vehicle BEFORE it took off and clobbered any public or property causing damage - including hitting and causing injuries to persons.
The insurance on the van is sensible (and required) to cover things such as damage to the van when travelling or when parked - camping or otherwise.
If you are travelling along the highway and a big rock comes up from a road-train and causes any damage to the van it will ONLY be covered for repair by an insurance policy on the van itself. The vehicle insurance - CTP or otherwise - will not pay for the repair.
Attached to an insurance policy on the van will be a Personal Indemnity attached to it (probably about $20mil) to cover for any injury/damage caused by the van when not attached to the vehicle. An example may be that a visitor to the van goes to step inside and the step breaks causing them to fall down and sustain injuries - broken bones, head, brain damage, becomes incapacitated etc etc.
Cheers - John
-- Edited by rockylizard on Monday 15th of February 2016 12:52:51 PM
John, CTP (Compulsory Third Party) Insurance won't cover property of any type. It is personal insurance and only covers death or injury of persons.
rockylizard said
10:10 PM Feb 15, 2016
Gday...
Well picked up 03_troopy. you are 100% right.
I should have said that the Personal Indemnity coverage attached to the Comprehensive (or Third Party Property and Fire Coverage) policy is what would have covered damage caused by the van while attached to the tow vehicle at the time of the damage or policy against the vehicle to which it was attached immediately before it became detached from that vehicle.
Should the vehicle NOT have any Comprehensive (or Third Party Property and Fire Coverage) then the owner of the vehicle/van would be held personally responsible and attract a law suit from the owners of the property damaged, their legal representative, or their insurance company.
Cheers - and thanks - John
Hylife said
10:12 PM Feb 15, 2016
Well banditandjo , if you don't care about the financial loss of replacing your van, then feel free to go without van insurance as your hubby is correct.
Almost every 'comprehensive' vehicle insurance policy in Australia also covers the damage you cause to other party's vehicles, so long as you were not breaking the law by drink driving etc. This third party property damage insurance is for the other party's vehicle damage, that you caused by your actions from your vehicle AND/OR any trailer that is attached to your vehicle.
But, IT DOES NOT cover the damage to YOUR trailer.
If the accident is your fault and YOUR car and/or trailer is damaged you will not be compensated for your trailer, only your car. If the accident was the fault of the other party, your insurance company will NOT seek redress from the other party for your trailer, only your car.
Put simply, your comprehensive car insurance covers your car and the other persons damage. It does not cover damage to your trailer at all.
Assuming you may have actually meant Roadside Assistance from your motoring association membership, standard roadside service does not extend to your trailer at all. If you have the 'Extra Care' or Gold 'Total Care', your trailer will receive roadside service provided its' dimensions do not exceed L 6.7M (overall), W 2.3M, H 2.7M. If your trailer exceeds these dimensions you must purchase a 'Tow Pack' upgrade for roadside service to your trailer.
brickies said
08:52 AM Feb 16, 2016
Have you wonder why someone post and then don't take any further part in the post .
PeterD said
08:35 PM Feb 16, 2016
Brickies, some people attempt to contribute with a well thought out response and leave things at that. The only time that you need to contribute more is when someone contributes something that is rubbish and it needs rebutting. Generally when someone keeps harping on you will find that their contributions don't count for much.
banditandjo said
11:12 PM Feb 18, 2016
After reading your responses.
I didnt take hubbys word for it and rang our car insurance company
On loud speaker so he could hear
We are covered under car insurance for trailer or caravan to a max of $1000.00
We are now insured after doing several quotes etc..
Was frustrating with some companies to get to point of accepting quote to fi d out they don't insure our type of van (custom made/home built).
I am happy with who we decided to go with.
Thank you all for your advice
HunnyBunny said
11:18 PM Feb 26, 2016
I would definitely insure! You don't even need to get involved in an accident, Mother nature can be pretty fierce too.
I want to insure our new rig
Hubby cant see why. Its covered when hitched to car.
Help me convince him its needed
Or put my mind at rest if its not needed
I'm not aware of the motor vehicle policy that will cover your RV and its contents.....
That's why there are specialist RV insurers and all the major insurance companies have RV (like a caravan, for example) policies.
NRMA Premium care covers trailers and caravans but only up to maximum weight of 2 Tonnes.
Cheers
Jeff coverrs caravan
Edit sorry for confusion i have my insurance and my roadside assist confused .Premium care is only a roadside assistance packaage but covers caravan or trailer up to 2 Tonnes if being towed by nrma insured vehicle.
-- Edited by Sharke on Monday 15th of February 2016 05:38:10 PM
Hi,
I would definitely be taking hubby to Nrma or equivalent I am pretty sure you will find out that the van is not covered, if that was the case we would all be better financially by not having to pay huge insurance premiums ??
K J
They are on Central coast NSW, paying $49 a day for a site, which went to $79 over the holiday season!
But insurance,much as we hate paying the premiums, is an absolute Ne Edith, I my opinion.
it is what happens when people read something an stop reading when they see something that suits them without reading the whole thing
Hi Joanne,
You Must.
If your van is involved in Third Party Property damage /Public liabillity alone, It could / Would wipe you out financhally.
Eg: You pull over in a small town a bit tired from the drive, Clobber a shop Awing that brings down the face of the building and anyone below.
Don't say it can't happen to you both, It can And DOES.
If you can afford to be on the road. Don't scrimp on such an important issue.
Regards Hey Jim & Lambie
Gday...
Hey Jim, in the example you use, the CTP of the VEHICLE covers any Third Party Damage by the van WHEN attached to the vehicle ... or if attached to the vehicle BEFORE it took off and clobbered any public or property causing damage - including hitting and causing injuries to persons.
The insurance on the van is sensible (and required) to cover things such as damage to the van when travelling or when parked - camping or otherwise.
If you are travelling along the highway and a big rock comes up from a road-train and causes any damage to the van it will ONLY be covered for repair by an insurance policy on the van itself. The vehicle insurance - CTP or otherwise - will not pay for the repair.
Attached to an insurance policy on the van will be a Personal Indemnity attached to it (probably about $20mil) to cover for any injury/damage caused by the van when not attached to the vehicle. An example may be that a visitor to the van goes to step inside and the step breaks causing them to fall down and sustain injuries - broken bones, head, brain damage, becomes incapacitated etc etc.
Cheers - John
-- Edited by rockylizard on Monday 15th of February 2016 12:52:51 PM
If they do, ALL the members on this site would love to know who you are insured with so we can get quotes - but as all the others have said, its unlikely such a policy exists and you need to find out if it covers theft of gear, cyclones, hail damage etc..........
Nowdays, all Insurance companies are required to issue an easy to read PDF (product disclosure form). This is usually a booklet mailed to you or on-line and that should tell you in easy to understand terms what your policy does and does not cover.
I use CIL - who are specialists in caravan and motor home (RV) insurance. They, and others like them, provide more "bang for your buck" and cover items that mainstream companies don't. It costs me around $800 pa for an agreed replacement value of $75K, plus $6K of items which get stolen or damaged (like clothing, laptops etc)
If you decide to get specific insurance for your RV, be careful of using mainstream insurers. They often do not cover many essential things or limit cover to "named" roads (its all in their exceptions). You may save $100 or so by bundling with your house and car insurance only to find the damage or theft that you make a claim for one day is not covered by the policy
When I stayed in a Darwin C/park, there was a regular thief who stole from tourists, so keep doors locked.
I was also warned, if you're staying in a cabin, lock downstairs and upstairs, because thieves climb balcony's.
It's creepy thinking someone maybe watching whilst your asleep.
In most states when you are on the road the third party persons insurance is covered by the policy on the tug. (I may be out of date here, I have not checked that for some years. At that time it did not apply in SA and WA.)
The same does not apply with comprehensive or third party property insurance. The van needs to have its own policy for you to be covered in that case.
John, CTP (Compulsory Third Party) Insurance won't cover property of any type. It is personal insurance and only covers death or injury of persons.
Gday...
Well picked up 03_troopy.
you are 100% right. 
I should have said that the Personal Indemnity coverage attached to the Comprehensive (or Third Party Property and Fire Coverage) policy is what would have covered damage caused by the van while attached to the tow vehicle at the time of the damage or policy against the vehicle to which it was attached immediately before it became detached from that vehicle.
Should the vehicle NOT have any Comprehensive (or Third Party Property and Fire Coverage) then the owner of the vehicle/van would be held personally responsible and attract a law suit from the owners of the property damaged, their legal representative, or their insurance company.
Cheers - and thanks - John
Well banditandjo , if you don't care about the financial loss of replacing your van, then feel free to go without van insurance as your hubby is correct.
Almost every 'comprehensive' vehicle insurance policy in Australia also covers the damage you cause to other party's vehicles, so long as you were not breaking the law by drink driving etc.
This third party property damage insurance is for the other party's vehicle damage, that you caused by your actions from your vehicle AND/OR any trailer that is attached to your vehicle.
But, IT DOES NOT cover the damage to YOUR trailer.
If the accident is your fault and YOUR car and/or trailer is damaged you will not be compensated for your trailer, only your car.
If the accident was the fault of the other party, your insurance company will NOT seek redress from the other party for your trailer, only your car.
Put simply, your comprehensive car insurance covers your car and the other persons damage. It does not cover damage to your trailer at all.
Assuming you may have actually meant Roadside Assistance from your motoring association membership, standard roadside service does not extend to your trailer at all.
If you have the 'Extra Care' or Gold 'Total Care', your trailer will receive roadside service provided its' dimensions do not exceed L 6.7M (overall), W 2.3M, H 2.7M.
If your trailer exceeds these dimensions you must purchase a 'Tow Pack' upgrade for roadside service to your trailer.
I would definitely insure! You don't even need to get involved in an accident, Mother nature can be pretty fierce too.