Insurance on Camper Trailer ... Heads Up!

[castlemaine]

Got a camper trailer recently and got it insured by a large insurer of caravans and camper trailers.

Checked that it included beach work ie Fraser Island. To my surprise they do not cover for damage by sea.

So if you breakdown below the tide line and get swamped or if you're camped on the dunes in cyclonic seas and get swamped ... bad luck.

Changed my insurance and for $30 more got the full cover.

Might be an idea to check with your insurer if you camp close to the beach.

Cheers

[Triple]

And also check the fine print about items getting stolen out of em with no visible forced entry.
ie: just opened zipper or velcro to gain access.

edit -
"Many insurance companies consider a pop-top caravan and a pop-top camper as a soft target and may not fully cover items stolen from the inside. There have been cases where insurance claims were not honoured on the grounds that the caravan was not forcefully ‘broken into’, as the intruder gained access through removable Velcro or zippered sections. Some insurance policies may not fully protect a pop-top caravan from item theft even though a sharp instrument was used to gain entry. It is essential that you read the insurance policy and any fine-print very carefully when deciding on which insurance company or broker to go with. To assist caravanners with this, many insurers now have policies that are quite easy to read and understand. Some may advise that you should consider upgrading your household contents policy to include cover for items anywhere in Australia.

It’s very important to fully understand the insurer’s definition of ‘forceful entry’. Find out whether the insurer covers contents stolen as well as the damage caused by any forceful entry through the vinyl or canvas section of the pop-top. Some caravan insurance policies may cover contents stolen from inside an annex, so this option could also be looked into."