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Looking for caravan or trailer insurance?

Protect your home away from home with our Comprehensive cover. Call us on 0800 379 372 for a quote.

Request a quote callback

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.

Tower's caravan and trailer insurance policy includes

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

Earn Airpoints Dollars 
Take out any eligible Tower policy and you’ll receive 1 Airpoints Dollar™ for every $100 you spend on your premium annually. Ts&Cs apply.
Earn Airpoints Dollars
Liability protection 
We'll cover you for accidental damage you cause to someone else's property with your caravan or trailer.
Liability protectionUp to $25m
Collision cover 
We'll pay to repair or replace your caravan or trailer if it's damaged in a collision.
Collision cover
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
Natural disaster damage 
If your caravan or trailer is damaged in a natural disaster, we'll pay for the repairs.
Natural disaster damage
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
Repair guarantee 
We provide a lifetime guarantee for all repairs carried out by one of our recommended repairers.
Repair guarantee
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.
Road clearing costs$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
Pay only one excess 
Pay only one excess when claiming on multiple policies for a single incident at the same address.
Pay only one excess
No claims bonus 
If you haven’t had a claim with us (or another insurer) during the last year of your insurance, you’ll receive a discount on your premium.
No claims bonus
Optional benefits
Optional benefits
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.
Accessories and modificationsOptional $2,000 or $5,000
Caravan contents 
We’ll pay for loss to your contents that are permanently stored in, or have been expressly purchased for, your caravan.
Caravan contentsOptional up to $5,000
Policy wording
Download Policy wording
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Save up to 20% with our multi-policy discount.*

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Caravan insurance FAQs

Expand all 
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.

Can I use my trailer for business?

Yes, but only if you have an active commercial vehicle policy with us for the vehicle towing your trailer.

Commercial vehicle insurance

Do you cover other drivers towing my caravan or trailer?

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

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 was not quite right, we might be able to change it to better suit you.

How do I make a 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.

* Multi-policy discount Ts&Cs apply.

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