Motorhome Insurance Coverage Guide
Understand exactly what's covered, compare policy levels, and find the right cover for your motorhome.
What Motorhome Insurance Covers
Covered
- ✓Accidental damage from collisions and impact
- ✓Theft and attempted theft
- ✓Fire and explosion damage
- ✓Storm, hail, and weather-related damage
- ✓Flood damage (depending on location)
- ✓Vandalism and malicious damage
- ✓Windscreen and glass damage (often excess-free)
- ✓Third-party liability up to $20 million
- ✓Legal liability cover
- ✓Emergency accommodation costs
- ✓Towing after breakdown
Not Covered
- ✕Mechanical or electrical breakdown
- ✕Tyres (wear and tear)
- ✕Driver negligence without valid licence
- ✕Intentional damage
- ✕Commercial use (unless specified)
- ✕Items not listed in schedule
- ✕Damage while motorhome is being used illegally
- ✕Damage due to lack of maintenance
- ✕Financial losses unrelated to physical damage
Coverage details vary by policy and insurer. Always review your specific policy wording to understand exactly what is and isn't covered. Contact your insurer if you're unsure about any coverage aspect or need clarification on specific scenarios.
Coverage Types Explained
Compare different motorhome insurance coverage options to find what suits your needs
Comprehensive Cover
Full protection including accidental damage, theft, fire, and weather events. The most popular choice for motorhome owners.
Third-Party Liability
Covers damage or injury you cause to others while driving. Essential protection up to $20 million.
Agreed Value
Lock in your motorhome value upfront. Get the agreed amount if your motorhome is written off.
Market Value
Insured for current market value at claim time. Typically lower premiums than agreed value.
Contents & Accessories
Covers personal belongings, camping gear, and accessories inside your motorhome.
Rental Excess Reduction
Reduces or eliminates the excess on rental motorhome policies. Essential for hire motorhomes.
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