Top 10 RV Insurance in Australia

1. CIL Insurance

CIL Insurance is Australia’s most recognised specialist RV insurer, with a long-standing reputation for providing tailored protection to caravan and motorhome owners since 1962. Their policies are specifically designed for the unique needs of RV travellers — whether you’re taking short trips or living full-time on the road.

CIL offers comprehensive insurance for a wide range of RV types, including campervans, motorhomes, caravans, fifth-wheelers, slide-on campers, and even RV conversions. Coverage includes accidental damage, theft, storm and hail damage, fire, emergency accommodation, towing, and contents cover for personal belongings stored inside the vehicle.

One of CIL’s key advantages is its understanding of full-time and extended travel. Their policies allow for continuous use and travel across Australia, including in remote and regional areas. Optional extras include annexe cover, lay-up options for when your RV is stored, and cover for modifications like solar panels and bike racks.

Key Features:

• Specialised RV-only policies

• Full cover for fire, storm, hail, theft, and accident

• Personal contents and annexe coverage included

• Emergency accommodation and towing

• Optional extras for long-term and stored RVs

• Australia-wide network and claims support

CIL is ideal for anyone seeking peace of mind while travelling or storing their RV — backed by decades of specialist experience in the industry.

Website: https://www.cilinsurance.com.au

2. NRMA Insurance

NRMA Insurance is one of Australia’s most trusted names in vehicle and home insurance, and their caravan and RV policies are built with flexibility and reliability in mind. NRMA offers cover for motorhomes, camper trailers, and caravans — with a strong focus on weather protection, personal belongings, and roadside support.

Their comprehensive RV insurance covers accidental damage, theft, fire, storm and hail, as well as legal liability up to $20 million. NRMA’s standout feature is its roadside assistance and towing support, which is especially useful for RVers exploring regional or outback locations. You can also add personal contents cover for electronics, appliances, clothing, and outdoor gear stored inside your RV.

Policies are customisable, and you can adjust your excess or add optional extras such as annexe cover and lay-up cover when your RV is not in use. While NRMA is based in New South Wales, it offers coverage throughout Australia.

Key Features:

• Covers motorhomes, camper trailers, and caravans

• Protection against storm, theft, fire, and accident

• Optional contents and annexe cover

• Access to NRMA’s extensive roadside assistance network

• Flexible policy options and adjustable excess

NRMA Insurance is a great option for RV owners seeking reliable coverage from a well-established provider with strong claims support and roadside peace of mind.

Website: https://www.nrma.com.au

3. RACV Insurance

RACV Insurance is a well-respected provider based in Victoria, offering a range of insurance products — including tailored coverage for caravans, camper trailers, and motorhomes. Designed with road trippers and seasonal travellers in mind, RACV’s RV policies provide solid protection against the unexpected, whether your vehicle is on the move or in storage.

Their comprehensive RV insurance includes cover for accidental damage, fire, theft, storm, hail, and third-party liability. You can also insure valuable items inside the RV, such as furniture, appliances, and personal belongings. For those travelling across Victoria or interstate, RACV includes optional roadside assistance and towing services to help you get back on the road quickly.

A key benefit is the ability to bundle RV insurance with home or car policies for added savings. RACV also provides access to repair networks and emergency travel accommodation if your motorhome becomes uninhabitable during a trip.

Key Features:

• Comprehensive cover for caravans and motorhomes

• Contents cover for furniture, appliances, and valuables

• Emergency accommodation and towing options

• Storm, fire, hail, and accident protection

• Multi-policy discounts and strong member benefits

RACV Insurance is ideal for Victorian RV owners looking for comprehensive protection, reliable claims service, and access to trusted repairers.

Website: https://www.racv.com.au

4. QBE Insurance

QBE Insurance is a major Australian insurer offering wide-ranging cover for RVs, caravans, camper trailers, and motorhomes across the country. Known for their strong claims service and flexible policy options, QBE is a solid choice for RVers who want national coverage and customisable protection.

Their caravan and RV insurance includes cover for accidental damage, theft, fire, flood, storm, and legal liability — with the option to add replacement cover if your RV is written off within two years of original registration. QBE also covers annexes, contents, and permanent fixtures like awnings, solar systems, or custom cabinetry.

A standout feature is their emergency travel and accommodation allowance if your RV becomes unusable while you’re away from home — particularly helpful during long-haul road trips. For those storing their vehicle, lay-up cover is available to reduce premiums while maintaining limited protection.

Key Features:

• Covers caravans, motorhomes, and camper trailers

• New vehicle replacement within first 2 years

• Contents, annexe, and modification coverage

• Emergency accommodation and travel expenses

• Lay-up cover during non-use or storage periods

QBE is a top contender for RVers who want national reliability, flexible extras, and strong protection for both everyday use and long-distance adventures.

Website: https://www.qbe.com/au

5. Club 4X4

Club 4X4 is a specialist insurer built for adventure-seekers — especially those who take their RVs and camper trailers beyond the bitumen. While most general insurers exclude unsealed roads or remote regions, Club 4X4 specifically tailors its policies for off-road and long-distance travellers, making it a favourite among touring 4WD and RV communities.

Their RV and camper trailer policies offer full coverage for accidental damage, theft, fire, flood, and storm — even in Australia’s most rugged environments. Club 4X4 also includes coverage for personal effects (such as outdoor gear, fridges, and recovery equipment), and you can specify high-value accessories like awnings, solar panels, and lift kits.

Unique to Club 4X4 is their Australia-Wide Recovery Cover — an optional add-on that covers the cost of recovering your RV or trailer from remote areas after an incident, including flights and towing, which most other insurers exclude.

Key Features:

• Designed for remote and off-road travel

• Covers camper trailers, slide-ons, and 4WD-based RVs

• Optional recovery cover for remote breakdowns

• Contents and modification coverage included

• Great for full-time adventurers and rugged tourers

Club 4X4 is the go-to choice for RV owners who travel far, explore harder, and need insurance that matches their off-grid lifestyle.

Website: https://www.club4x4.com.au

6. Apia Insurance

Apia Insurance — short for Australian Pensioners Insurance Agency — specialises in insurance products for Australians over 50, including tailored caravan and motorhome insurance. Their RV policies are designed to meet the unique needs of mature travellers, including grey nomads and retirees enjoying long-term road trips across the country.

Apia offers comprehensive cover for caravans, camper trailers, and motorhomes, including protection against accidental damage, theft, storm, fire, and flood. Their policies also cover attached annexes, portable solar systems, generators, and a wide range of personal belongings. If your RV is written off in the first two years of registration, Apia may offer new-for-old replacement depending on the policy.

Apia also includes optional roadside assistance, emergency accommodation, and contents cover for items commonly carried in RVs like TVs, bedding, cookware, and clothing. Flexible excess levels and multi-policy discounts make it a smart choice for value-conscious, experience-driven travellers.

Key Features:

• Designed for over-50s and retirees

• Covers caravans, motorhomes, and camper trailers

• Optional contents and annexe coverage

• Emergency accommodation and roadside assist available

• New-for-old replacement within first 2 years (conditions apply)

Apia Insurance is ideal for mature RV travellers who want flexible, senior-focused coverage with practical add-ons for extended touring and comfort on the road.

Website: https://www.apia.com.au

7. Allianz Australia

Allianz is a global insurance brand with a strong presence in Australia, offering comprehensive insurance options for caravans, camper trailers, and motorhomes. Known for its financial strength and reliable claims service, Allianz is a dependable choice for RV owners seeking a well-rounded, high-coverage policy backed by a major insurer.

Allianz’s RV insurance provides protection for a wide range of events, including accidental damage, fire, theft, flood, and storms. It also includes coverage for annexes, fixtures, and personal effects up to specified limits. A key advantage is their flexible excess structure, allowing customers to tailor premiums based on the level of risk they’re comfortable with.

For travellers, Allianz offers coverage for temporary accommodation if your RV is damaged while on a trip, as well as towing to the nearest repairer. Optional extras like lay-up cover, annexe protection, and increased contents limits make it easy to adapt the policy to your needs.

Key Features:

• Comprehensive cover for caravans and motorhomes

• Fire, theft, flood, storm, and accidental damage protection

• Contents and annexe cover available

• Temporary accommodation and emergency towing

• Flexible premiums with adjustable excess

Allianz Australia is best for RV owners who want a trusted, nationwide insurer with flexible options and the backing of a globally recognised brand.

Website: https://www.allianz.com.au

8. Youi Insurance

Youi Insurance takes a different approach to RV cover by offering policies that are tailored to how, when, and where you use your vehicle. Their customisable policies make them a good fit for RV owners with varied usage patterns — from weekend travellers to seasonal nomads.

Youi offers caravan and trailer insurance with coverage for accidental damage, fire, theft, flood, storm, and third-party liability. While they don’t currently offer motorhome-specific insurance as a standard product, owners of towed RVs and camper trailers can benefit from flexible options that consider your travel habits and risk profile.

What sets Youi apart is its customer-first quoting process — they ask detailed questions about your storage location, travel frequency, driving habits, and security measures. This results in highly personalised premiums that could save you money if you’re not using your RV full-time.

Optional extras include contents cover, windscreen protection, and emergency towing. Claims can be managed via their mobile app or dedicated support team.

Key Features:

• Tailored policies based on usage and location

• Covers camper trailers and towed RVs

• Fire, theft, accident, and weather event coverage

• Optional extras: contents, towing, windscreen

• Personalised quotes through detailed risk assessment

Youi is ideal for part-time RV users or seasonal travellers who want flexible pricing and a more personalised insurance experience.

Website: https://www.youi.com.au

9. AAMI Insurance

AAMI is one of Australia’s most recognisable general insurers and offers caravan and trailer insurance that can be adapted for RV owners — particularly those with camper trailers, towed caravans, or slide-ons. While AAMI does not currently offer dedicated motorhome insurance, their caravan policy includes many essential protections for part-time travellers and holidaymakers.

Coverage includes accidental damage, theft, fire, storm, flood, and legal liability — with optional cover for personal contents and annexes. AAMI also includes emergency accommodation if your RV becomes unlivable during a trip, up to specified limits. Their policies are easy to manage online, with transparent terms and fast quoting available via their website or app.

AAMI also rewards long-term customers with features like lifetime repair guarantees (at approved repairers) and multi-policy discounts. Their national network and simple claims process make them a trusted choice for RVers looking for straightforward coverage with a strong brand behind it.

Key Features:

• Covers caravans, camper trailers, and annexes

• Protection against accident, theft, fire, storm, and flood

• Emergency accommodation and personal effects cover (optional)

• Repair guarantee at authorised providers

• Multi-policy discounts and digital self-service

AAMI is best suited for towed RV owners who want affordable, transparent, and hassle-free insurance from a major national provider.

Website: https://www.aami.com.au

10. Ken Tame & Associates

Ken Tame & Associates is a specialist insurance broker best known within the RV community for offering tailored insurance exclusively to members of the Campervan and Motorhome Club of Australia (CMCA). Their policies are designed specifically for motorhomes, campervans, converted vans, and fifth-wheelers — especially those used for full-time or long-distance travel.

What sets Ken Tame apart is their deep understanding of RV lifestyles. Coverage includes full accidental damage, fire, theft, storm, and third-party liability, as well as modifications (such as solar panels, satellite dishes, awnings, and toolboxes), and personal contents inside the RV. Full-time RVers can also benefit from continuous coverage with provisions for home contents-type items on the road.

They also provide access to a dedicated RV claims team, roadside assistance, and a large repairer network familiar with recreational vehicles. While you must be a CMCA member to access their policies, the benefits and community support make it a worthwhile membership for many long-term RVers.

Key Features:

• Specialist RV insurance for CMCA members

• Tailored for motorhomes, van conversions, and full-time travellers

• Modifications and contents cover included

• Access to RV-focused claims and repair networks

• Full-time use and extended travel supported

Ken Tame & Associates is the top choice for serious RVers — especially grey nomads and long-haul explorers — who want specialised cover and community-driven support that general insurers often don’t provide.

Website: https://www.kentame.com.au

What to Look for in a Good RV Insurance Policy

Choosing RV insurance in Australia isn’t as simple as picking the cheapest premium — it’s about finding protection that matches how you travel, where you store your vehicle, and what you carry with you. Whether you own a motorhome, campervan, caravan, or slide-on, a quality policy should do more than meet the basics. Here’s what to consider when evaluating your options:

1. Comprehensive Coverage

A good RV policy should cover all major risks:

• Accidental damage (on and off the road)

• Fire, flood, and storm damage (especially hail)

• Theft and vandalism

• Legal liability if your RV causes injury or property damage

Not all standard vehicle policies extend to the unique use cases of RVs — so make sure the policy is designed specifically for recreational vehicles.

2. Contents Cover

Since many RVs carry thousands of dollars in personal items — like bedding, electronics, tools, cooking gear, and even laptops — contents cover is a must. Look for policies that include internal contents and attached items like solar panels, annexes, and bike racks.

3. Coverage for Use Type

Are you a full-time RVer, a seasonal traveller, or an occasional holidaymaker?
Some insurers (like Ken Tame or Apia) provide continuous coverage for full-timers, while others offer lay-up policies to reduce premiums when your RV is in storage.

If you travel off-grid or in remote areas, make sure your insurer includes off-road or unsealed road coverage — not all do.

4. Excess Options and Flexibility

A good policy lets you customise your excess to reduce your premium. Check:

• Is the excess fixed or adjustable?

• Are there separate excesses for storm, theft, or towing?

• Can you vary the coverage based on travel season?

5. Roadside Assistance and Towing

Many insurers include (or offer as an add-on) emergency towing, breakdown help, or accommodation if your RV breaks down far from home. This is especially important for remote or interstate travellers.

6. Repair Network and Claims Support

Look for insurers with:

• RV-trained repairers

• Lifetime repair guarantees (e.g., AAMI, NRMA)

• Dedicated claims managers familiar with motorhomes and caravans

7. Extras That Add Value

These might include:

• New-for-old replacement (usually within 1–2 years)

• Annexe protection

• Windshield and glass cover with no excess

• Trailer recovery in remote locations (Club 4X4)

Choosing an RV insurance policy tailored to your travel lifestyle gives you not just protection, but peace of mind — knowing you’re covered whether parked in storage or adventuring across the outback.

How Much Does RV Insurance Cost in Australia?

RV insurance costs in Australia can vary significantly depending on the type of RV you own, how often and where you travel, your driving history, and even where the vehicle is stored when not in use. On average, you can expect to pay anywhere from $500 to $1,500 per year, but it’s important to understand what drives those figures.

1. Vehicle Type

• Camper Trailers and Pop-Tops: $400–$800/year

• Standard Caravans (up to 22ft): $600–$1,000/year

• Motorhomes (Class B or C): $800–$1,500/year

• Fifth-Wheelers or Luxury RVs: $1,200–$2,000/year

The larger and more valuable your RV, the higher the premium — especially if it includes expensive electronics, solar systems, or custom modifications.

2. Usage Frequency

Insurers will often ask how regularly you use your RV:

• Occasional use (less than 90 days/year): Lower risk = lower premiums

• Full-time or frequent use: Higher exposure = higher premiums, but more tailored coverage (e.g. Ken Tame or Apia)

Some providers offer lay-up or storage cover, which reduces premiums while still protecting your RV from theft, fire, and storm damage during off-season.

3. Storage Location

Where your RV is stored also impacts cost:

• Secure, locked facility: Lower premium

• Street or driveway parking: Higher risk = higher cost

• Rural or regional areas: Often cheaper than metro zones

If your RV is stored at a facility with CCTV and gated access, notify your insurer — it can lead to discounts.

4. Optional Add-ons That Affect Price

• Contents cover: Adds ~$50–$200/year, depending on limits

• Annexe cover: ~$30–$100/year

• Emergency accommodation & towing: Often bundled or ~$50 extra

• Off-road recovery (e.g. Club 4X4): Adds $100–$300/year depending on level

5. Other Premium Influencers

• Driver’s age and history

• Market value vs agreed value coverage

• Level of excess chosen

• State-specific registration and insurance rules

Tip: Always get a quote tailored to your exact vehicle, storage, and travel plans. Online calculators from providers like CIL, AAMI, and NRMA make comparison easy — but always read the PDS before you commit.

Tips for Choosing the Right RV Insurance

Finding the right RV insurance policy in Australia isn’t just about price — it’s about matching the coverage to your travel lifestyle, RV type, and future plans. Whether you’re a seasonal caravanner or a full-time road nomad, here are essential tips to help you choose wisely and avoid costly mistakes:

1. Compare Based on Real Usage — Not Just Inclusions

Many insurers promote similar features like storm and theft protection, but the details vary. Always check:

• Are unsealed or off-road tracks covered?

• Is full-time living in the RV included or excluded?

• Are towed vehicles (trailers, boats) covered while hitched?

Use providers like Club 4X4 or Ken Tame if you travel far or off-grid — they offer broader definitions of acceptable use.

2. Read the Product Disclosure Statement (PDS) Thoroughly

This is where exclusions, conditions, and fine print live. Look for:

• Any restrictions on where and how the RV can be used

• Conditions for contents and accessory claims

• Limitations on emergency accommodation or towing

Don’t rely solely on summary brochures — the PDS tells the real story.

3. Ask About Modifications and Accessories

Not all insurers automatically cover aftermarket additions like:

• Solar panels

• Awnings or annexes

• Satellite systems

• Internal cabinetry or power upgrades

Make sure your modifications are listed in the policy, especially if you’ve done a self-conversion or have high-value add-ons.

4. Check the Repair Network and Support

RV repairs require specialist knowledge — especially for motorhomes with custom interiors or integrated plumbing/electrical. Ask:

• Do they have approved RV repairers?

• Are repair guarantees offered?

• Will they tow your RV from remote regions?

Providers like NRMA, Allianz, and Ken Tame have stronger support networks for RV-specific repairs.

5. Look for Discounts and Bundles

Save money by:

• Bundling RV insurance with your car or home insurance

• Joining clubs like CMCA (for Ken Tame) or local caravan groups that offer partner discounts

• Storing your RV in a secure location and declaring it

Some insurers also offer lower premiums if your RV is under a certain age or is used seasonally.

6. Ask About Claim Turnaround and Service

Good insurance isn’t just about cover — it’s about how fast and fairly your claim is handled. Check online reviews for:

• Speed of payouts

• Claim approval transparency

• Customer support responsiveness

A provider with excellent claim service is worth a little extra in premium if it saves you headaches down the line.

By evaluating not just the premium, but the practicality of the coverage, you’ll ensure your RV adventures stay protected — and that any mishaps on the road are handled quickly and stress-free.