Australian Caravan Loans Caravan Insurance Calculator

Our Caravan Insurance Calculator helps you estimate an appropriate caravan insurance sum insured by adding up realistic replacement costs for your caravan and commonly insured extras. This matters because underinsurance can leave you out of pocket after a claim if your sum insured is too low to replace your caravan, fitted items, appliances, and contents. A clear, itemised total also makes it easier to request quotes and discuss cover with an insurer or broker.

How to complete the calculator (in order) for the best result:

1. Caravan type: Select the closest match (for example touring, pop-top, off-road, camper trailer). This improves the accuracy of your summary and helps you think through typical inclusions for that style of van.

2. Make, model, year: Enter details as they appear on registration or purchase documents. This supports clearer records when comparing quotes.

3. Base caravan value (replacement): Enter what it would cost to replace the caravan itself today, excluding annex/awnings, fitted equipment, appliances, and portable contents, as these are added separately.

4. Annex and awnings: Add each major item and its replacement cost (including associated hardware). Itemising helps avoid missing expensive add-ons.

5. Fitted equipment and structural mods: Add upgrades such as solar, batteries, inverters, tanks, air-conditioning, heaters, suspension or chassis upgrades, and stone guards at current replacement pricing.

6. Onboard appliances and electronics: Add fridges, cooking appliances, hot water systems, TVs, sound, cameras, alarms, and trackers.

7. Portable contents (optional): Add camping furniture, bedding, cookware, tools, BBQ, generators and similar. Check whether your intended policy caps contents or covers them elsewhere.

8. Storage or site and GST treatment: Select your storage situation for disclosure. Choose GST-registered status so totals display ex-GST or incl. GST appropriately.

9. Financier and VIN/chassis (optional): Include these for a cleaner summary if finance is involved.

Interpreting your results: The recommended sum insured is your estimated total replacement cost across categories. Use it to compare policy options such as agreed value versus market value, cover limits for contents, exclusions, excess levels, and whether “new for old” applies. Revisit the calculator after upgrades or at least annually.

Important information: This calculator provides general information only and does not consider your objectives, financial situation, or needs. Results are estimates and not an insurance quote. Before acting, consider the relevant Product Disclosure Statement and Target Market Determination and, if needed, seek advice from a licensed insurance adviser or broker.