AAMI Caravan Insurance Policy

AAMI chooses the repairer and arranges the repair

Usually, damage to caravans is repairable.

If your caravan has been damaged and can be repaired, our responsibility to you when we authorise repairs is to ensure that the repair work is properly carried out.

For your peace of mind, we choose the repairer and arrange the repair.

We ordinarily obtain two independent, competitive quotes, from repairers recommended by AAMI. If you want, you can choose a repairer to provide one of the quotes. Our assessor will review the quotes, including any quote from a repairer you choose, and what is necessary to properly repair your caravan. We will choose the repairer who has submitted the more competitive and complete quote and that will be the repairer who repairs your caravan.

Where possible, we will match materials. Where this is not possible, materials that match as near as reasonably practicable will be paid for by us.

Inspecting and repairing your caravan
You must make your caravan available to us if we decide to inspect or repair it. If requested by us, you must take your caravan or allow it to be transported to a place nominated by us.

You must not authorise the repair of your caravan without our written authority.

Your contribution to repair work
If the repair of your caravan leaves it in a better condition than before it was damaged, we may ask you to contribute to the repair cost.

The AAMI Lifetime Repair Guarantee
The quality of the workmanship and the materials authorised by AAMI in the repair of your caravan will be guaranteed for the lifetime of the caravan.

If you are concerned about the quality of the repair of your caravan, you must call us on 13 22 44 and you must make your caravan available to us. We will inspect the repair and arrange any necessary rectification work. You must not authorise rectification work without our written authority.

What we do if your caravan cannot be repaired
Sometimes caravans are so badly damaged that they would not be either safe or economical to repair.

If in our opinion, the damage to your caravan is so great that it would not be safe or economical to repair, we will declare your caravan a write-off and pay the amount covered.

What if your caravan has been stolen
You must report the theft immediately to the police and to AAMI.

If your caravan is found within 14 days from when you reported its theft to us and it has been damaged, the procedure will be exactly the same as if your caravan had been damaged in an accident.

... and if your caravan is not found
We allow 14 days for your caravan to be found from when you reported its theft to us. If it is not found, and we are satisfied your claim is in order, we declare your caravan a write-off and pay the amount covered.

A replacement caravan or the amount covered
If your caravan becomes a write-off because of damage or theft within the first 12 months of its original registration, we will replace it with a new caravan and pay the on-road costs.
The replacement caravan:

will be of the same make, model and series as your caravan,
will have similar fittings to those in your caravan,
has to be locally available. If it is not locally available, we will pay the amount covered.

If your caravan is under finance, you have to obtain the approval of the financier before it can be replaced.

What happens when we make a write-off payment or replace your caravan
When we make a write-off payment, we pay the amount covered and this policy comes to an end. Your policy also comes to an end if we replace your caravan. Because our payment or replacement meets all our obligations to you in full.

there is no refund of any portion of the premium. We retain your caravan unless you wish to keep it. 'Your caravan' includes all insured options and accessories and unless legislation in your state provides otherwise, the value of any unexpired portion of the registration,

your policy, including the legal liability cover it provides, comes to an end,

if you wish to retain your caravan in its damaged condition, its salvage value will be deducted from our payment, or, if we replace your caravan, you will first need to pay us its salvage value,

you will first need to pay us the total unpaid balance of your premium, including any unpaid additional premium owing. If we make a write-off payment, we will deduct this amount from the payment we make.

When we agree to make a write-off payment, we will post a cheque for the agreed amount or deposit it directly into your nominated bank account.

What we do if someone else's property is damaged (legal liability)
We cover your legal liability for any loss or damage to other people's property and loss or damage consequent upon damage to other people's property resulting from the use of your caravan during the period of insurance.

We will pay up to a total of $20,000,000 (including all legal and defence costs and GST) for all claims arising from the one event.

Any person using your caravan with your permission and who complies with the terms and conditions of this policy is covered.

We do not pay for loss or damage to property owned by you or any person ordinarily living with you.

Admission of liability
You must not make any admissions or settle any claims without our prior written consent.

Giving assistance - information, notices, negotiating, defending and settling claims
In this section "you" means you and, if you were not the person driving the towing vehicle, the driver of the towing vehicle.

You must give us the information and assistance we reasonably request in evaluating the cause, extent and value of any claim. This may include:

providing us with full details of the claim in writing,

providing contracts of sale, receipts or other evidence of ownership,

providing written statements,

providing other relevant documents,

undergoing an interview or interviews about the circumstances of the claim,

appearing in court and giving evidence,

The information you give must be honest, correct and complete.

You must assist us to recover any part of the claim from the person responsible for the accident or event which results in a claim.

You must promptly deliver to us any relevant letters and notices that come into your possession. This includes promptly telling us if you become aware of any demands, court proceedings or offers of settlement.

We shall be entitled, but not obliged to defend or represent you in any legal proceedings relating to an accident or event which may give rise to a claim against us and to control, settle and deal with those proceedings as we see fit.

We will pay the legal and other reasonable related costs of defending any claim made against you, provided we appoint the solicitors who will defend the claim and we have told you in writing that we will pay their costs.

You must assist us in all our endeavours to negotiate, defend or settle any claim made under this policy and to exercise for our benefit your legal right of recovery against any other party.

If you fail to assist us, or do not abide by any of these terms, we pay reduce or refuse to pay your claim or be entitled to recover from you any monies paid under the claim.