Our policy is with QBE.   I hope the following info is simple enough for you to follow... 

XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

Our Insurance policy for our 2008 Coromal Van is for ... Caravan $34,000   Annex / Awning  $3500 and General Contents $2000.

Equating to a total of  $39,500. Possibly somewhere around the current resale value.

Our premium for next 12 months was $633.12. that is  $1.20 less than last years fee.

The policy covers... if needed... Accommodation .... transport of van back to home base .... and transport costs for the two of us.

Ok... having said that I enquired for a lower fee and I advised QBE that we would not be using the van again until April 2017.

NOW THE GOOD PART.  

Given the fact that we will have the van parked AT HOME FOR THOSE MONTHS ... our premium has been reduced from...

 $612.12 down to $469.60... A SAVING OF  $163.52.

Needless to say....I paid the account on the spot.

QBE, will allow a maximum of  6 month of proof of non use and therefore one would be entitled to a huge discount off the premium.

(However if we decided to use the van in the 4 month period we must advise QBE...  ( Paper work is in the mail)

All theses years that we have had the van and with the van not being used for a number of months, under this system it has cost us money$$$$. 

Anyway just thought I would share these FACTS with you so you may follow up re your own caravan policy.

Oh Yes!!! we have the ultimate RACQ cover which covers Accommation, transport and other out of pocket expenses.

RACQ is slightly better deal re breakdown than the QBE.

By the way, I rang C.I.L. and gave them the same values as mentioned above and their quote was..

WAIT FOR IT.

$992.60.

Thought that this deal was worth sharing.

So there you have it.... any Questions please P.M me.

Jay&Dee