Insurance for Slideon Camper

Submitted: Wednesday, Apr 22, 2009 at 16:06
ThreadID: 68104 Views:2938 Replies:9 FollowUps:8
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Hi all

I've just been through an ordeal with RACQ Insurance which I want to pass on and seek some advice from forum members ...

This is phone conversation with RACQ ...

Tomorrow I have to travel interstate to pickup a slideon camper. I'm using a mate's 8x5 trailer ( my car trailer is really too big for this job ).

Q. Is his trailer covered by my car insurance?
A. Wait. I'll check. Yes. Up to $750 less excess of your policy.

Q. Fine. My new slideon camper I want to insure for the return trip and keep comprehensively insured.
A. Wait. I'll check. If the trailer is registered in your name with us, yes we can cover the camper.

Let's try that again. Go back to square one .... It's my Mate's Trailer!!

A. Wait. I'll check. Because the trailer is not registered in your name we cannot insure the slideon camper.

Oh, Thank you for your assistance. Goodbye.

Back to the real world ....

Any ideas on how/who can I insure my slideon camper?

TIA

Malcolm


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Reply By: Peter_n_Margaret - Wednesday, Apr 22, 2009 at 16:37

Wednesday, Apr 22, 2009 at 16:37
Probably a silly question, but why don't you pick the camper up with the vehicle it will be used on?
Would only take a couple of hours (tops) to "fit" it for the journey home......

Cheers,
Peter
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Follow Up By: Member - Malcolm (Townsville) - Wednesday, Apr 22, 2009 at 16:46

Wednesday, Apr 22, 2009 at 16:46
because I ain't got it yet :-(
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Reply By: Isuzumu - Wednesday, Apr 22, 2009 at 16:58

Wednesday, Apr 22, 2009 at 16:58
Australian 4WD Insurance, the brokers are DGA and your camper will be covered where ever your vehicle goes.
No affiliation
if you need more info MM me
Cheers Bruce
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Follow Up By: Member - Malcolm (Townsville) - Wednesday, Apr 22, 2009 at 17:19

Wednesday, Apr 22, 2009 at 17:19
Thanks Bruce

At this stage I do NOT have a vehicle to put it on - hence the temp trailer and tow vehicle (my rebuilt 2005 ZD30 Patrol) :-)

I'm sure they will say the same as RACQ. Or will they?

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Follow Up By: Isuzumu - Wednesday, Apr 22, 2009 at 18:34

Wednesday, Apr 22, 2009 at 18:34
They have insuranced my 32 year old Viscount, so I can not see why not.
Cheers Bruce
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Follow Up By: Member - Malcolm (Townsville) - Wednesday, Apr 22, 2009 at 18:39

Wednesday, Apr 22, 2009 at 18:39
Hi Bruce

I take it your "32 year old Viscount" is sitting on its own set of wheels and has its own registration.

My camper has no wheels, no registration and, to an insurance company, is just FREIGHT.

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Reply By: The Landy - Wednesday, Apr 22, 2009 at 17:24

Wednesday, Apr 22, 2009 at 17:24
Probably best you talk directly with an insurance broker. Very possibly the Slide-on camper might be viewed as cargo and therefore a different insurance risk to motor vehicle…..as I say just a guess.

I’d give TCIS a call.

Cheers
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Follow Up By: Member - Malcolm (Townsville) - Wednesday, Apr 22, 2009 at 17:31

Wednesday, Apr 22, 2009 at 17:31
Thanks Landy

I think I've now run out of time.

Quick call to their 1800 number "unfortunately all the insurance guys have left for the day. Can we call you tomorrow?"

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Follow Up By: The Landy - Wednesday, Apr 22, 2009 at 17:36

Wednesday, Apr 22, 2009 at 17:36
If you are buying it brand-new perhaps the sellers policy may cover it under freight even though you are taing it yourself. Maybe you could explore that avenue??

I could have it wrong, but this could be the issue, it might be viewed as freight....

Good luck...what did you buy?
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Follow Up By: Member - Malcolm (Townsville) - Wednesday, Apr 22, 2009 at 17:39

Wednesday, Apr 22, 2009 at 17:39
Landy

I'm sure you are right when you say they will consider it as freight. It's not new. Bought from another forum member :-)

Malcolm
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Reply By: Robert HL (SEQ)(aka zuksctr) - Wednesday, Apr 22, 2009 at 17:44

Wednesday, Apr 22, 2009 at 17:44
Malcom, try apai over 50's they are fairly reasonable & i think they have an after hrs no.

Cheers Bob.

Ps, i have had my Adventure insured with RACQ since i bought it last Oct, Nov. they were cheaper just than (APIA)
thuogh mine was on the back of the truck already.
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Reply By: Old Mal - Wednesday, Apr 22, 2009 at 17:47

Wednesday, Apr 22, 2009 at 17:47
Hi Malcolm,

Went through the same problems as you when we purchased our Supreme Sunray SR2 Slide On Camper a couple of years ago. No one knew how to categorise it ! We ended up with a very satisfactory outcome using :-
Caravan Insurance Specialists, Canning Vale WA 1800 355 935. (They are an insurance broker). Talk to Stan Bishop. Our current premium is $418.50 per year covering the agreed value of $26,500. It also includes a $20 million public liability cover
Cheers
Old Mal
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Reply By: _gmd_pps - Wednesday, Apr 22, 2009 at 19:48

Wednesday, Apr 22, 2009 at 19:48
It is quite easy once you have your vehicle.
Forget all the normal insurance companies and caravan insurances ..
They are mostly cr@p anyway. The best solution for this is:

Join the CMCA and you are accepted for Lumley Insurance through Ken Tame. Your combo qualifies as Mobile Home.

We have this insurance covering an imported truck with a US slide-on and lots of contents. Nobody would have wanted to know about the truck alone. My truck insurance including the camper is cheaper than others have quoted just for the truck.

I had a claim for 2 stolen bikes and got the cheque within 5 days.
You can have 0 excess with no claim bonus protection.

It is the best solution around and being used by other 40000 mobile home owners. I have no connection to theses guys other than being a happy customer.

good luck
gmd
AnswerID: 360932

Reply By:- Wednesday, Apr 22, 2009 at 21:49

Wednesday, Apr 22, 2009 at 21:49
Last post ...sorry its nothing to do with ANZAC.. but Ken Tame and associates are the people you need to contact, and yes you should probably join CMCA to get best results .. IMHO..any other insurers are a waste of time even considering...the service and response from Ken Tame as far as i have dealt with them...is second to none...and i bet you will not be disappointed..
BTW..i just pay my insurance..and have no other conection !!
AnswerID: 360966

Reply By: Member - Malcolm (Townsville) - Monday, Apr 27, 2009 at 17:51

Monday, Apr 27, 2009 at 17:51
Left home on Thursday morning, o/n at Palmwoods, o/n Dubbo. Arrived Young, loaded camper (great members Margaret and Roy), turned around at 1.00pm, o/n free camp Lightning Ridge - 6.30 am hit a kangaroo (slid under car - no damage) hit the spring hanger on the trailer and snapped it off. Looking in rear view mirror I saw the trailer 'jump' and decided I betta have a bo peep. I could smell the rubber and investigated further. One of those slipper type springs had snapped the welds on the front mount. Rear of spring had slid out of mount and spring was jammed between chassis and side of tyre. Lucky I stopped - NO insurance :-(

Time to think outside the box :-) The camper's jacks came in handy. Put two of them on the nearside and lifted camper, trailer and all. Unfastened U bolts and repositioned spring on chassis. One of the clamps normally used to hold-down the camper to the ute body I managed to re-configure and hook in behind the mudguard. tightened the nuts. Turned around to head back into Lightning Ridge (Sunday morning). On the way thought better to leave the trailer and bring a welder to the trailer (LOL and all the time I've spent about hooking up 2 batteries etc ;-) ). Mate stayed with trailer, I went into arrange NRMA. "No mate, we'll pick up your trailer and bring it back into town to a welder." OK. When I got back to the Hwy turnoff here's my mate with the trailer hooked on the back of a one tonner - all fixed. A mining co welder was coming in to the 'ridge' for the local Sunday markets. Lived 3 mile from where we left the trailer. Nice green one put a smile on his face. Three hours delay and back on our way again. O/n Emerald - 707 Motel (tks for the free beer Charlie. Was really welcome after a loooong day ;-) ). Pulled into Townsville around 3pm today and refuelled. 4400 kilometres in 5 days. Not a bad trip for my rebuilt ZD30 - now time for another oil change.

Malcolm

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Reply By: Margaret B - Monday, Apr 27, 2009 at 21:49

Monday, Apr 27, 2009 at 21:49
Hi Malcom, sounds like a horror trip, pleased you both made it home safely, with the camper, what does your wife think of it.
We have had the camper insured as part of the Home Insurance pack as a stand alone item, no vehicle mentioned, with ARGIS Insurance thru our local broker for $349. looks like we may be heading off to Vic at the weekend to look at a camper trailer for the trip up north in july.
Post a pic when you have it on the Ftruck

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Follow Up By: Member - Malcolm (Townsville) - Tuesday, Apr 28, 2009 at 14:37

Tuesday, Apr 28, 2009 at 14:37
Hi Margaret

Horror trip? Far from it. I would consider it a pretty good trip. The spring hangar was the only problem we had. Not bad for 4400 kms.

Normally I'm pretty quick at spotting kangaroos but this little black wallaby was in the shadows and .... I know. No excuses LOL

Better to hit that little one than the big 7' grey that loped across the road in front of us up near Roma. Or the two emus that couldn't care less as they ambled off the road to let us through.

Malcolm


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