Why choose Tower caravan insurance

Bought a new caravan or trailer or checking to compare caravan insurance to find the best cover? Look no further. Our comprehensive cover has a range of benefits and optional extras to meet your needs and budget.

Towing and temporary storage after an accident

Towing and temporary storage after an accident

We'll tow your caravan or trailer to a safe place after an accident and pay for temporary storage costs.

Natural disaster damage for caravan claims

Natural disaster damage

If your caravan or trailer is damaged in a natural disaster, we'll pay for the repairs.

Priority repair guarantee on caravan insurance claims

Priority repair guarantee

If you use one of our recommended repairers for your caravan or trailer claim, we'll guarantee the repairs for as long as you own the caravan or trailer.

One event one excess

More than one thing damaged at once?

If one event means you need to claim on multiple Tower car, home, contents or boat policies, you’ll only need to pay one excess. It’s the highest excess that will apply.

Our caravan and trailer insurance policy includes

We are changing our policies. For policies starting on or before 28 October 2024, please view the "Current policies" tab. For policies starting on or after 29 October 2024, please view the "29 Oct 2024 or later" tab.

This is a summary only. For all of these benefits, please make sure you read the policy wording to understand the terms, conditions, limits and exclusions that may apply.

Comprehensive

Liability protection 

Up to $25m

We'll cover you for accidental damage you cause to someone else's property with your caravan or trailer.
Liability protection
We'll cover you for accidental damage you cause to someone else's property with your caravan or trailer.
Up to $25m
Collision cover 
We'll pay to repair or replace your caravan or trailer if it's damaged in a collision.
Collision cover
We'll pay to repair or replace your caravan or trailer if it's damaged in a collision.
Fire and theft cover 
Cover for your caravan or trailer if it's damaged by fire, stolen, or damaged during an attempted theft.
Fire and theft cover
Cover for your caravan or trailer if it's damaged by fire, stolen, or damaged during an attempted theft.
Natural disaster damage 
If your caravan or trailer is damaged in a natural disaster, we'll pay for the repairs.
Natural disaster damage
If your caravan or trailer is damaged in a natural disaster, we'll pay for the repairs.
Claims that were not your fault 
You won't pay an excess if you can identify the person at fault and they were more than 50% at fault.
Claims that were not your fault
You won't pay an excess if you can identify the person at fault and they were more than 50% at fault.
Repair guarantee 
We provide a lifetime guarantee for all repairs carried out by one of our recommended repairers.
Repair guarantee
We provide a lifetime guarantee for all repairs carried out by one of our recommended repairers.
Road clearing costs 

$1,000

We’ll pay to remove debris from a road or parking area for which you are legally liable after an accident if your claim is accepted.
Road clearing costs
We’ll pay to remove debris from a road or parking area for which you are legally liable after an accident if your claim is accepted.
$1,000
Towing and temporary storage 
We’ll pay for removing your caravan or trailer to the nearest repairer or place of safety if it can’t be driven after a loss covered under this policy.
Towing and temporary storage
We’ll pay for removing your caravan or trailer to the nearest repairer or place of safety if it can’t be driven after a loss covered under this policy.
Pay only one excess 
Pay only one excess when claiming on multiple eligible policies for a single event. The highest excess applies.
Pay only one excess
Pay only one excess when claiming on multiple eligible policies for a single event. The highest excess applies.
Optional benefits 
Optional benefits
Accessories and modifications 

Optional $2,000 or $5,000

We’ll cover loss to your accessories and modifications that are installed in or on your caravan or trailer so long as we’ve accepted your claim for the loss to your caravan or trailer. We also cover loss to your accessories if that loss occurs while they are stored at home.
Accessories and modifications
We’ll cover loss to your accessories and modifications that are installed in or on your caravan or trailer so long as we’ve accepted your claim for the loss to your caravan or trailer. We also cover loss to your accessories if that loss occurs while they are stored at home.
Optional $2,000 or $5,000
Caravan contents 

Optional up to $5,000

We’ll pay for loss to your contents that are permanently stored in, or have been expressly purchased for, your caravan.
Caravan contents
We’ll pay for loss to your contents that are permanently stored in, or have been expressly purchased for, your caravan.
Optional up to $5,000

Comprehensive

Liability protection 

Up to $25m

We'll cover you for accidental damage you cause to someone else's property with your caravan or trailer.
Liability protection
We'll cover you for accidental damage you cause to someone else's property with your caravan or trailer.
Up to $25m
Collision cover 
We'll pay to repair or replace your caravan or trailer if it's damaged in a collision.
Collision cover
We'll pay to repair or replace your caravan or trailer if it's damaged in a collision.
Fire and theft cover 
Cover for your caravan or trailer if it's damaged by fire, stolen, or damaged during an attempted theft.
Fire and theft cover
Cover for your caravan or trailer if it's damaged by fire, stolen, or damaged during an attempted theft.
Natural disaster damage 
If your caravan or trailer is damaged in a natural disaster, we'll pay for the repairs.
Natural disaster damage
If your caravan or trailer is damaged in a natural disaster, we'll pay for the repairs.
Claims that were not your fault 
You won't pay an excess if you can identify the person at fault and they were more than 50% at fault.
Claims that were not your fault
You won't pay an excess if you can identify the person at fault and they were more than 50% at fault.
Repair guarantee 
We provide a lifetime guarantee for all repairs carried out by one of our recommended repairers.
Repair guarantee
We provide a lifetime guarantee for all repairs carried out by one of our recommended repairers.
Road clearing costs 

$1,000

We’ll pay to remove debris from a road or parking area for which you are legally liable after an accident if your claim is accepted.
Road clearing costs
We’ll pay to remove debris from a road or parking area for which you are legally liable after an accident if your claim is accepted.
$1,000
Towing and temporary storage 
We’ll pay for removing your caravan or trailer to the nearest repairer or place of safety if it can’t be driven after a loss covered under this policy.
Towing and temporary storage
We’ll pay for removing your caravan or trailer to the nearest repairer or place of safety if it can’t be driven after a loss covered under this policy.
Pay only one excess 
Pay only one excess when claiming on multiple eligible policies for a single event. The highest excess applies.
Pay only one excess
Pay only one excess when claiming on multiple eligible policies for a single event. The highest excess applies.
Optional benefits 
Optional benefits
Accessories and modifications 

Optional $2,000 or $5,000

We’ll cover loss to your accessories and modifications that are installed in or on your caravan or trailer so long as we’ve accepted your claim for the loss to your caravan or trailer. We also cover loss to your accessories if that loss occurs while they are stored at home.
Accessories and modifications
We’ll cover loss to your accessories and modifications that are installed in or on your caravan or trailer so long as we’ve accepted your claim for the loss to your caravan or trailer. We also cover loss to your accessories if that loss occurs while they are stored at home.
Optional $2,000 or $5,000
Caravan contents 

Optional up to $5,000

We’ll pay for loss to your contents that are permanently stored in, or have been expressly purchased for, your caravan.
Caravan contents
We’ll pay for loss to your contents that are permanently stored in, or have been expressly purchased for, your caravan.
Optional up to $5,000
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Tower Translates

We know insurance lingo can be a bit confusing. While our policies are WriteMarkâ„¢ approved, we've put our heads together to explain some common terms.

If you're wondering what all that insurance lingo is all about, let’s unpack it.

Check out our translations
Car insurance translated

Caravan insurance FAQs

Are my contents covered under Tower's caravan and trailer insurance?

Contents that are permanently stored in your caravan are covered if you've chosen the optional caravan contents benefit, e.g., bedding and kitchen equipment. Personal effects are not covered, including any business or professional tools, even if they are stored in your caravan permanently. 

To cover your personal effects, you'll need to buy contents insurance. At Tower, you can buy caravan and contents insurance together and save up to 10% with our multi-policy discount. Ts&Cs apply.

Can I use my caravan for business?

No, your caravan is not covered for business use.

Do you cover other drivers towing my caravan or trailer?

We do provide cover for anyone towing your caravan or trailer with your permission.

How do I make a caravan insurance claim?

We aim to make claiming on your caravan insurance as simple as possible. We'll guide you through the process, let you know what happens next, and keep you up to date with any progress. Just call us on 0800 379 372.

Can I cancel if I change my mind?

If you're not completely happy with your cover, just let us know within 15 days of the policy start date.

As long as you haven't made any claims during this time, we'll cancel the policy and refund any premium payments you've made. If the policy is not quite right, we might be able to change it to better suit you.

* Multi-policy discount Ts&Cs apply.