The protection and benefits we provide for you
Either Australia-wide or on-site cover
AAMI caravan insurance provides comprehensive cover for your caravan anywhere in Australia unless you choose on-site insurance which covers your caravan only while it is stationary at the site. When you have chosen on-site insurance, it will be shown on the most recent of your insurance schedule and renewal notice.
The protection
Having your caravan damaged or stolen is an unpleasant and worrying experience.
But when you insure with AAMI, we look after you.
When you insure your caravan with AAMI, we will pay for any accidental loss, damage and liability for property damage covered by your AAMI policy occurring during the period of cover.
Loss or damage to your caravan
When your caravan has been lost or damaged, we will decide either to repair, pay the cost of repairing, or declare your caravan a write-off and pay the amount covered. See pages 27-32 for details.
When your caravan has not been found after being stolen, we will declare it a write-off and pay the amount covered. See pages 29-30 for details.
When the use of your caravan causes damage to someone else’s property, we will pay for your legal liability. See page 30 for details.
Your contents
We will pay for accidental loss of or damage to your contents while they are within your caravan. We will pay up to $100 per item up to $500 in total for any one claim. Any payment we make will be in addition to any contents amount covered shown on the most recent of your insurance schedule and renewal notice.
This policy does not cover some events, circumstances and situations
As you read through this policy, you will see there are some events, circumstances and situations it does not cover. To make sure you are aware of all these exclusions, please read the whole policy carefully including the section ‘Are you covered?’ beginning on page 20.
The benefits
A replacement caravan or the amount covered if your caravan is written off
If we declare your caravan 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. If we cannot replace your caravan, we will pay you the amount covered (see definition on page 14). See page 29 for full details.
Refund of emergency accommodation and travelling costs
If your caravan is being used by you for a vacation and it becomes unusable as a result of an accident or event giving rise to a claim, we will reimburse the emergency costs you incur up to $500 for essential accommodation and travelling expenses for you and members of your family travelling with you.
We help with the cost of transporting your caravan
We pay the reasonable cost of transporting your caravan to the nearest repairer or place of safety if it is damaged and cannot be safely towed.
What happens when you replace your caravan
If you replace your caravan with another caravan, we will insure the replacement caravan from the time of its purchase, provided:
the replacement caravan is one that we would normally insure,
you tell us within 14 days of the purchase of the replacement caravan,
you pay any additional premium we require.
The policy ends for the replaced caravan and begins for the replacement caravan at the time you take delivery of the replacement caravan.