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Motorhome Insurance

Provides cover for Motorhomes and Contents.

 $20,000,000 Legal Liability Cover

  • for loss or damage to other peoples’ property caused by a motor vehicle accident
  • if you permanently live in your Motorhome, you are also covered for bodily injury, death or illness to other people and loss or damage to other peoples’ property, caused by an occurrence other than a motor vehicle accident involving your Motorhome

 Accidental Damage

  • to your Motorhome, Trailer or Contents
  • including road accident, impact, storm, lightning, flood, hail, escape of water or liquid, fire

 Burglary, Theft or Malicious damage

  • including theft or your Motorhome or Trailer
  • including theft of your Contents items from your locked Motorhome, your locked external container or from inside your Annexe
  • the cost to repair your Motorhome, Trailer, Annexe or Contents following any damage caused by thieves
  • the cost to replace your Motorhome, Trailer, Annexe or Contents if stolen and not recovered

 General Average

  • this means if a ship’s captain sacrifices some of the cargo to save the ship, the owners of the remaining cargo must contribute towards the loss suffered by others

 Hire of a Motor Vehicle and Accommodation

  • we will pay for Motorhome hire OR a motor vehicle and the cost of accommodation expenses if your Motorhome is damaged and unfit to live in or stolen and the claim has been accepted by us

 Loss of Deposits

  • we will pay you any non-refundable deposit you have made to a caravan park causing the cancellation of your trip, if you are unable to travel due to death or disablement, if you are called for jury duty or if a state of emergency is declared

 Mechanical/Electrical Breakdown of listed appliances forming part of your Motorhome or Contents

  • we will pay the cost to repair or replace a range of listed appliances e.g. fridges/freezers, air conditioners under 10 years old, less any applicable depreciation

 Permanent address not required

  • we will provide cover to you even if you do not have a permanent address, subject to applicable underwriting limits

 Portable Personal Valuables

  • we will cover personal items from the motorhome if requested

 Recovery of your Motorhome

If your motorhome is damaged or stolen and recovered damaged, more than 100 kilometres from your home town:

  • we will pay the cost to transport the motorhome
  • we will pay the cost of travel for you to collect your motorhome
  • this benefit applies either before or after repairs when the claim has been accepted by us

 Recovery of the Contents of your Motorhome

If your Motorhome is damaged in excess of the agreed value, more than 100 kilometres from your home:

  • We will pay the cost to transport your Contents to your home

 Repatriation – driver illness or accident

If your Motorhome is unable to be driven due to the driver’s illness or accident:

  • we will pay the cost to return your Motorhome to your home

 Towing and storage following damage in an accident

  • we will pay the cost of removing the debris from the accident and towing your Motorhome to the nearest repairer
  • we will pay the cost to store your Motorhome if required & agreed to by MHIA

 Travel Assistance

If the driver of the Motorhome becomes unable to drive the vehicle due to illness or accident:

  • we will pay the cost to return the driver and anyone travelling with the driver in the Motorhome to the driver’s home

(Please refer to policy wording for any limits that may apply)