Key Points
- If you own a caravan, you'll need to arrange separate caravan insurance to protect it from theft, fire or accidental damage.
- Not all car insurance providers offer separate caravan insurance, and levels of cover vary.
- As when purchasing any insurance policy, it's advisable to shop around, get at least three quotes and thoroughly read the policy's product disclosure statement so you understand the level of cover it offers.
Car insurance covers your whole car, from the front bumper to the rear tow bar … but that's where it stops. If you own a caravan, you'll need to arrange separate caravan insurance to protect it from theft, fire or accidental damage.
It's also worth noting that not all caravan policies offer contents cover as standard. So when comparing policies, you need to also factor in the amount of contents insurance offered by a policy, and any extra costs involved when purchasing separate contents cover.
Caravan insurance: what's on offer
Here's an overview of the different caravan insurance providers and the products they offer in the New Zealand market:
Brand Name | Online Claims | Contents Cover Max | Legal Liability Max | Features |
AA Insurance | Yes | $3000 | $20 million |
|
AMI | Yes | $1000 | $20 million |
|
Covi | Yes | $10,000 | $10 million |
|
Star Insure | Yes | $3000 | $20 million |
|
Tower | No | Must be purchased separately as an extra | $25 million |
|
Information correct, as of 12/08/25.
