Caravan Insurance providers who to use?

Can't help with over 100k but I am with CIL for my camper and they are highly used by people on this forum.

A mate of mine works as a insurance broker and he can't speak highly enough of CIL and highly recommends them.

I can't comment on their claims

hi. i have a 21ft bushtracker offroad caravan,and i use c.i.l. they are a very fair company. there premium is a bit high, but they do insure for full value purchase price, in a write off. regards. ken

My BT is also with CIL Graeme.

Maybe a couple of bob more expensive, but to be honest, I didn't compare because they have an excellent reputation.

If you get it before Easter and are thinking of getting out for a week or so, drop me an email.

My recommendation is to stick with the major player. Personally we have all our insures with APIA. We had a car right-off a few years ago and had the cheque 3 days later. As they say you get what you pay for. The message is stay clear of all these new outfits with high TV profiles are not the way to go. I have heard claims issues where they are demanding details of driver history etc, can't leave your van in a caravan park unattended - beware the fine print.

Cheers
Racey

Spent all day yesterday getting quotes for renewal of a $72000 van.

May not help you but the agreed value quotes were.


Cheapest Affinity Brokers who have CGU as underwriters Less than $850

next Apia just over $900 We have house and Cruiser with them.

next NRMA around $925 We have a car with them.

then AAMI Just over $1000

CIL about $1040 Affinity asked them

Worst of all CGU themselves $1200+ and needed extras for some cover the others included.
Just tried them as a reference to Affinity's quote.

So there you are Dont know how you will go at 100k+ though

Gooday,
It is a minefield, the only other one I can suggest is MHIA, Manufactured Homes Insurance Agency, here is their free number 1800-676-700
They, like most of the names you see are a Broker, we have been with them for about 6 years, had a claim about 4 years ago for $700 were completely painless.

However after saying that they have gone through the roof with prices in the last couple of years, at least it will give you a comparison.
Cheers,
Boroma604

Hi bungarra,

As others have said I cant speak on over $100K but I have mine insured also with CIL.. They were the cheapest out of the 5 quotes and also had the best policy as this is what they specialise in. Sorry it don't help much for your circumstance but just to give you an idea of what I done as I was in the same vote who to choose.

Cheers
Simon.

Hi Bungarra

While ours is no where near that value, I recommend using an Insurance Broker. They do the comparisons, and where you may be comparing on price (if you can get enough quotes at your value), they not only know where to look, but will have to knowledge to ensure that you are getting the cover to suit your needs - so no nasty surprises in the event of a claim. They can also get policies tailor made to suit your needs, whereas an individual is buying an off-the-shelf product. Brokers have buying power with companies they use a lot so may get a cheaper deal than doing it alone. They are there to fight for YOU in the event of a claim, whereas you are alone fighting a big corporation in the event of a claim, and if it is denied through some fine print point you have no hope, but your Broker can fight on and again use their large amount of business with that company as a pressure point.

Motherhen

Disclaimer: No connections with the insurance industry other than being an end user.

Hi Bungarra,

We insured our Kedron with CIL as they have many options you can choose. So if your is an off roader and over 100K, it must be Bushtracker, Spinifex or Kedron.

CIL have things like, they will freight your caravan back to the manufacturer for repairs and not the local guy. This can be a big deal on WA and the main three are all east coast. We also had, they pay our airfares back and also tow vehicle, then pay for accomodation while the van get fixed.

Bushtracker have a specific cladding profile (Bushtracker person will know for certain)and both Spinifex and Kedron have specific colours and profiles of cladding. Things that for a WA repairer will be very hard to get, not to mention freight over without getting damaged.

I know to get repairs done with Kedron can take a month to get booked in at busy times and accomodation for that time is expensive.

Ours was just under $2000 for the year so it was not the cheapest.

Hi Bungarra
I am an Insurance Broker & I use CIL for my van. nowhere near the $100k though. just check their limit for contents or make sure u have a fancy home contents cover which covers u anywhere in Aust.
cheers Tom

Thanks everyone......CIL it is

Try Ken Tame, associates in Victoria, we have a 34ft motorhome and they were by the best option. We are on the Gold coast, good luck. Dave