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.

What happens if it catches fire when your not hitched. That does happen............ a lot

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 ,

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.

banditandjo wrote:

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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

 

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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

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

Think Hubby is think Greenslip not Insurance. Need to get insurance for van.

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?

rockylizard wrote:

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Hey Jim wrote:

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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

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 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

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 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.

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, 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.