Jayco camper trailer insurance

Submitted: Wednesday, Aug 23, 2017 at 14:47
ThreadID: 135447 Views:3280 Replies:6 FollowUps:6
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I'm Thinking of buying a swan outback trailer but wondering if anyone has there's insured. Is it nescessary ,and is cost vary depending on how often you use the camper ?
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Reply By: Bobjl - Wednesday, Aug 23, 2017 at 17:27

Wednesday, Aug 23, 2017 at 17:27
Unless you can afford to pay for the cost of any loss or damage to the camper if it was stolen, destroyed in an accident or damaged by fire, then it is prudent and reasonably inexpensive to insure it comprehensively. Premiums would usually differ based on value, usage etc.

Consider also the value of accessories and contents you may carry with the van. and contemplate accidental and or malicious damage caused by uninsured others, not every one has insurance and who will pay if you are uninsured?

Seek a couple of quotes from well known specialist Camper/Van insurers to get a better understanding of the cost to insure the particular Swan Camper you are looking to buy.
Happy camping.
Bob
AnswerID: 613262

Reply By: Ron N - Wednesday, Aug 23, 2017 at 19:53

Wednesday, Aug 23, 2017 at 19:53
Camper trailers are regularly stolen, they are the thieves delight - and they sell easily for quick, big dollars to people who don't ask questions.

I can remember walking through the Kensington (W.A.) office of a fibreglass boat repairers shop (with the owner) more than 20 years ago. I was getting a Kenworth truck bonnet repaired by him.

On the wall of the office were dozens and dozens of photos, of lots of really nice boats - and some big ones, too.

I innocently said to the owner, "Oh, so these are all your past repair jobs, are they?"

"No," he replied. "They are all photos of stolen boats, provided by owners and the police, that I have to keep a lookout for! The thieves ship them to the other side of the country, most of those were stolen in the Eastern States!".

Cheers, Ron.
AnswerID: 613272

Reply By: Kenell - Wednesday, Aug 23, 2017 at 20:51

Wednesday, Aug 23, 2017 at 20:51
The advice already provided relates to worst case scenarios. Consider also a situation where the trailer might be damaged and has to be transported on a flat top. The costs of recovery in a remote environment, accomodation costs on the route home, finding repairers when you get home and dealing with the whole process of getting it back to its pre accident condition are all considerations to factor in. An insurance company deals with all this as well as the recovery if someone else caused the damage.
If your trailer was worth say less than $3000 you might weigh up whether to insure or not although there is still a legal liability exposure to consider. While the trailer is attached to a towing vehicle the liability attaches to the towing vehicle but it isn't always attached to a vehicle. This is a minor risk but it exists. As others have said the cost is not great and generally much cheaper than for a car of similar value. When shopping around look for the extras like contents of the trailer, recovery costs, guarantee on repairs etc.
Enjoy the Swan and let someone else worry about protecting it.

Ken
AnswerID: 613274

Reply By: nickb - Wednesday, Aug 23, 2017 at 21:22

Wednesday, Aug 23, 2017 at 21:22
For a few hundred dollars you will covered for theft and damage. If you are buying a newish one it will probably be $20k+ and well worth insuring.
AnswerID: 613275

Reply By: Malcom M - Thursday, Aug 24, 2017 at 11:07

Thursday, Aug 24, 2017 at 11:07
What an odd question.
Do you insure your car or house, wifes diamond wedding ring etc.?

If its expensive and there's a risk of something bad happening to it then insure it.
AnswerID: 613286

Follow Up By: Johnnykluger - Thursday, Aug 24, 2017 at 17:16

Thursday, Aug 24, 2017 at 17:16
Well the same reason I don't bother insuring my trailer I suppose that's why I asked the question a trailer could also be stolen but I'm sure nobody would bother insuring them yes there isn't mush there to be stolen but a camper trailer especially an old one is just a glorified trailer of sorts
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FollowupID: 883684

Reply By: Johnnykluger - Thursday, Aug 24, 2017 at 14:40

Thursday, Aug 24, 2017 at 14:40
Just an update I did a rough quote online with Nrma based on a new outback swan assiming it had most accessories fitted quote came back at nearly $800 are they serious? For a van that won't even be used as much as a car!!!
AnswerID: 613289

Follow Up By: Bobjl - Thursday, Aug 24, 2017 at 15:57

Thursday, Aug 24, 2017 at 15:57
Try a few others including CIL, CGU & Alliance, then you will get a feel for the market.

$800 does sound at the very high end for a Swan. If you got quote on line, is it possible you over selected an option?

I pay a significantly less than that for $75k agreed value 3.5 tonne full off road van.
Bob

Bob
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FollowupID: 883679

Follow Up By: Johnnykluger - Thursday, Aug 24, 2017 at 18:02

Thursday, Aug 24, 2017 at 18:02
Yes I quoted about 40000 based on a brand new one assuming it had all possible accessories and being parked on the and it was just one quote may I ask who you are insured with ?I live in nsw
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FollowupID: 883686

Follow Up By: Bobjl - Friday, Aug 25, 2017 at 19:17

Friday, Aug 25, 2017 at 19:17
I am with RACV as I reside Vic. You may not be able to get a quote from them based on your NSW residency.

Maybe call the NRMA quote hotline and restate your sums, do not over insure, they would normally be reasonably competitive.

Try the three insurers I mentioned and I expect you will achieve a lot lower premiu than $800.
Bob

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FollowupID: 883722

Follow Up By: Jason M16 - Sunday, Aug 27, 2017 at 20:01

Sunday, Aug 27, 2017 at 20:01
Hi JK
We did a lap last year in our Swan, emu jumped out at us and smashed/cracked front end of van. We rang straight away (GIO) and reported damage. When we returned (some 6 months later) we got it repaired by our own nominated repairer. Whole front plastic cowling and floor underneath had to be repaired/replaced. All this for only $400 ish buck premium.

And that was the second damage claim we have made on the van.

Good luck

Jase
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FollowupID: 883762

Follow Up By: Member - Paul B (WA) - Monday, Aug 28, 2017 at 19:38

Monday, Aug 28, 2017 at 19:38
I wouldn't have thought $800 was excessive. I insured a new camper today with CIL (owned by AAI) for $23,500 for $415 via my broker. This is the gross premium inc GST & taxes and is 1.76% of the insured value.

Your $800 quote for sum insured of $40,000 is of that order (2%, actually) so you might get it for as little as $700-odd, but it's going to be up there somewhere.

I don't know that anyone really remembers what the insurance premium was when they have their claim paid out.

The far more important thing about insurance than the cost, is do they pay their claims and what is covered by the policy.
Paul B Kalgoorlie

Do your best, have fun & s/he with the most friends wins!

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