Club 4x4 Image


Caravan Insurance

At Club 4X4 Insurance, we’ve designed our comprehensive caravan insurance to supercharge your peace of mind and give you confidence to explore off-the-beaten-track. Learn more about our cover below or start a quote today.

Why Choose Club 4X4?

We are insurance you can trust and have built our reputation on honesty and compassion to make your insurance experience as easy as possible.

Club 4x4 Image
Accidental Damage

Under our comprehensive insurance policy, your caravan will be covered for accidental damage caused by you, or someone else.

Club 4x4 Image
Legal Liability

Our comprehensive caravan insurance includes up to $20 Million Legal Liability Cover as a standard inclusion with all policies.

Club 4x4 Image

Loss or damage to your caravan as a result of theft, malicious damage or vandalism is covered by our comprehensive caravan insurance policy.

You Discover. We Cover.


There’s nothing quite like a caravan adventure, so here’s why we’d love to support your next one

Club 4x4 Image
Cover Anywhere

Explore in your caravan with confidence with insurance that goes anywhere you can legally go in Australia.

Club 4x4 Image
Cover For Modifications

Whether it’s a custom build, or some upgrades, we can cover modifications to your caravan as a separate agreed value.

Club 4x4 Image
Faultless Excess

If you have an accident that is completely the fault of a third party, and you can provide the required details, we’ll waive your excess payment.

Club 4x4 Image
Cover For Campsite Bookings

Up to $1,000 for unrecoverable cancellation or re-booking fees you incur due to your caravan suffering loss or damage as a result of an insured event

Club 4x4 Image
Breakdown Towing

We won’t leave your caravan stranded if your tow vehicle breaks down, with up to $750 of towing automatically included to get your camper trailer to safety

Club 4x4 Image
New Caravan Replacement

If your caravan is less than 24 months old and you are the first registered owner, we offer new replacements following a total loss claim.


Here's What Our Customers Have to Say

Rated 4.6 / 5 Excellent

4x4 off road


Essential Repairs

We will reimburse you up to $1,000 for the cost of emergency repairs to get your caravan back to a roadworthy and safe condition after a covered incident, so that you can continue your adventure as planned.

4x4 off road


Off-Road Recovery

If your caravan is stuck enough to need help from a professional, we cover up to $1,500 in recovery costs with the option to upgrade to $15,000 or $30,000.

4x4 off road


Aus Wide Personal Effects

If it’s portable & you take it 4WDing, touring or camping, chances are we can cover it. Every policy comes with $2,000 of personal effects cover for the things you take to make your home away from home feel like your own. It covers your gear anywhere in Australia, whenyou'rewith or away from your vehicle. For those who like to be prepared with the right gear, this amount can be increased to $5,000 or $10,000. 

Additional Benefits

Our policies feature several additional benefits as standard inclusions

Returning Your Caravan

When your caravan is being repaired as a result of an event covered by this insurance, and it's over 100km from your usual place of residence, we will pay up to $2,500 for either:

Club 4x4 Image

The reasonable cost of travel to collect your caravan OR

Club 4x4 Image

The delivery of your caravan to you after the repairs have been completed.

Up To $5,000 Debris Cover

If we have agreed to pay a claim following loss or damage to your caravan following an insured event, we will pay the reasonable costs to:

Club 4x4 Image

Remove and dispose of the damaged caravan AND

Club 4x4 Image

Its contents, up to a maximum value of $3,000.

Alternative Accommodation

In the event of a loss or damage to your caravan, if you are more than 100km from your usual place of residence, and your camper trailer becomes unlivable, we will cover alternative accommodation up to:

Club 4x4 Image

$150 per day up to a maximum of $2,500 per period of insurance.

Online Quotes Are Easy!

Fill out an online quote & get a price in minutes


Caravan Insurance By State

Club 4x4 Image
New South Wales

Set off on your outback odyssey worry-free. Comprehensive caravan insurance in NSW ensures your peace of mind as you traverse the rugged terrain. Whether you're navigating the dusty trails of the Outback or meandering along the coastal paths of Jervis Bay, safeguard your travel companion and explore with confidence.

Club 4x4 Image

Embark on an unforgettable journey through Victoria's diverse landscapes, knowing you're fully covered. Comprehensive caravan insurance in Victoria protects your adventures, whether you're winding through the lush forests of the Otway Ranges or cruising along the Murray River. Don't let unexpected obstacles derail your exploration of this beautiful state.

Club 4x4 Image

Discover Queensland's natural wonders without a hitch. Comprehensive caravan insurance in Queensland provides the assurance you need to explore the Sunshine State's attractions, from the rugged beauty of the Daintree Rainforest to the sandy beaches of the Whitsundays. Travel with confidence, knowing you're prepared for any bumps along the way.

Club 4x4 Image
Western Australia

Roam freely across Western Australia's vast expanse with peace of mind. Comprehensive caravan insurance in WA shields your journey as you venture through the ancient gorges of Karijini National Park or along the coastal cliffs of Kalbarri. Explore the state's breathtaking landscapes without worry, knowing you're protected against unforeseen events.

Club 4x4 Image
South Australia

Cruise through South Australia's diverse terrain without a care in the world. Comprehensive caravan insurance ensures your travels through the lush vineyards of the Barossa Valley or the rugged tracks of the Flinders Ranges are worry-free. Focus on creating unforgettable memories as you explore this picturesque state.

Club 4x4 Image
Northern Territory

Set out on an epic adventure across the Northern Territory's iconic landscapes with confidence. Comprehensive caravan insurance ensures your travels through the vast deserts of the Red Centre or the lush wetlands of Kakadu National Park are safeguarded against unexpected incidents. Explore this rugged territory knowing you're fully prepared for whatever lies ahead.


The Campfire

Read up on all things caravan, adventure and lifestyle

View All Blogs


Frequently Asked Questions

Comprehensive caravan insurance is a type of insurance coverage specifically designed to protect caravans, also known as towed caravan, trailers or camper trailers, against a wide range of risks and issues that can occur when you're touring or off-road. It offers extensive coverage and is considered the highest level of protection available for caravans.

Investing in insurance for your camper trailer is an advisable step for all Australian motorhome owners. While not legally mandated, coverage ensures peace of mind in unforeseen circumstances that may occur on the open road. Protecting your trailer against accidents, theft, and liability concerns is a responsible and beneficial approach for both your investment and the well-being of fellow road users. With camper trailer insurance, you can embark on your journeys with confidence, knowing that you are prepared for anything on the open road.

Yes your caravan is insured if there is a flood or any other natural disaster i.e strong wind, storm, lightning, hail, earthquake, tsunami or any other natural weather event. However please note within the first 72 hours of policy inception there will be no coverage for loss or damage due to weather events.

There are a number of rating factors involved in calculating an insurance premium for caravan insurance, so rather than give a generic answer, we'd love to provide you with a quote!

Included in our caravan insurance is:

- Loss of or damage to your caravan or camper trailer as a result of:

  • a collision;
  • an accident;
  • fire, flooding, storm
  • theft;
  • malicious damage or vandalism;

- Contents: We will pay up to $1,000 for loss or damage sustained to your contents whilst they are within your caravan or camper trailer.

- Public liability & legal fees: Your legal liability to pay compensation for loss or damage to another person’s property which occurred during the period of insurance as a result of an accident involving your caravan or camper trailer. The legal costs you have to pay in relation to a claim for your legal liability for which cover is provided under this benefit

- Emergency accommodation: If your caravan becomes uninhabitable due to an insured event, such as accidental damage or theft, we will cover the cost of alternative accommodation while repairs or replacements are arranged.

Speak to our claims team today if you have more questions about starting a claim.

We understand that accidents can happen, and are committed to providing fast, efficient, and compassionate service to our customers in the event of a claim. Our sales, service and claims teams are based right here in Australia, and their friendly, expert service will have you feeling safe and secure in no time. You can read about our claims process, and lodge an insurance claim here.

How To Get A Quote

Here's a guide to what you’ll need to get a caravan insurance quote...


Your contact details

To get started, we need some basic information about you, including your driving and towing history.


The details of your caravan

The make, size and year of your caravan to make sure your policy and premium are accurate. If you’ve added any modifications to your caravan, we’ll need to know this too.


Where your caravan is usually stored

It’s important to let us know whether your caravan will be kept in a carport, inside a locked garage or on the street overnight, as this could affect your premium.
Club 4x4 Image

Subscribe Today!

Stay up to date with news, guides, tips & offers