Compare caravan insurance from NZ providers. Protect your caravan, contents, and accessories - whether it is a pop-top, standard caravan, or fifth wheeler. 100% free.
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Approximate current value including accessories.
Your region affects your premium.
Why your caravan needs its own insurance policy, separate from your tow vehicle.
Caravan insurance is a separate policy that covers your towable caravan - including its structure, fixtures, fittings, and often the personal contents stored inside. Your tow vehicle's insurance does not cover the caravan - they are treated as separate units by insurers.
This is one of the most common misconceptions among caravan owners. If your caravan is damaged in a towing accident, blown over in a storm at a campground, or stolen from a storage yard, your car insurance will not pay for the caravan's damage or replacement.
Caravan insurance in New Zealand is not compulsory, but with new caravans ranging from $15,000 to $200,000+ and even used caravans holding strong value, the financial risk of being uninsured is substantial. ACC covers personal injuries but not property damage.
Key point: Your caravan is not covered by your car insurance. Even while being towed, the caravan is a separate unit that needs its own insurance. A dedicated caravan policy covers it while towed, parked at campgrounds, and in storage.
Comprehensive caravan insurance typically covers the caravan structure, awnings, annexes, fixed accessories (solar panels, satellite dishes), and personal contents. For more information about insurance in NZ, see the FMA's insurance guide.
Three main cover levels are available for caravans.
Covers damage your caravan causes to other people's property. Your caravan itself is not covered for damage, theft, or weather events.
Adds theft and fire protection for your caravan. A practical choice for older or lower-value caravans that are stored securely.
Full protection including accidents, theft, fire, storm, vandalism, and natural disasters. Usually includes contents, awnings, and accessories cover.
The right cover depends on your caravan, how often you use it, and where it is stored.
A comparison of providers offering caravan insurance in New Zealand.
| Provider | Cover Types | Online Quotes | Best For |
|---|---|---|---|
| AA Insurance | Comp, TPFT, TP | ✓ | All-rounder |
| AMI | Comp, TPFT, TP | ✓ | Multi-policy |
| State | Comp, TPFT, TP | ✓ | Bundling |
| Tower | Comp, TPFT, TP | ✓ | Competitive pricing |
| Cove | Comp, TP | ✓ | Digital-first |
| Star Insurance | Comp, TPFT | ✓ | Specialist vehicles |
| FMG | Comp, TPFT | ✓ | Rural / farming |
| Vero | Comp, TPFT | Broker only | Via broker |
Disclaimer: Features and cover options may change. Always verify caravan-specific cover details directly with the provider. Report an error.
A closer look at providers popular with caravan owners.
Cove is New Zealand's fastest-growing digital insurance brand. Quick online quotes, clear policy wording, and no lock-in contracts.
One of NZ's largest insurers with caravan cover options. AA Roadside Assistance may be included, and multi-policy discounts apply when bundled with car insurance.
Competitive caravan insurance with flexible excess options and straightforward online quoting. Good multi-policy savings available.
Originally focused on rural and farming communities, FMG offers strong caravan cover options. Well-suited for rural NZ caravan owners who may also have farm or lifestyle block insurance.
Trusted NZ brand with caravan cover as part of their vehicle insurance range. Strong multi-policy discounts and nationwide service.
Typical coverage features for caravan policies.
| Feature | Third Party | TPFT | Comprehensive |
|---|---|---|---|
| Damage to others' property | ✓ | ✓ | ✓ |
| Theft of caravan | ✗ | ✓ | ✓ |
| Accidental damage | ✗ | ✗ | ✓ |
| Storm & weather damage | ✗ | ✗ | ✓ |
| Awnings & annexes | ✗ | ✗ | Usually included |
| Personal contents | ✗ | ✗ | Usually included |
| Towing damage | ✗ | ✗ | ✓ |
| Emergency accommodation | ✗ | ✗ | Some policies |
What caravan insurance typically does not cover.
Damage caused while towing with a vehicle that does not meet the caravan's towing requirements (tow rating, braking capacity) may void your cover. Always match your tow vehicle to the caravan's specifications.
Gradual deterioration, wear and tear, mechanical breakdown of appliances, and damage from lack of maintenance are excluded. Regular servicing is expected.
Damage from rodents, insects, mould, or condensation is typically excluded. These are considered maintenance issues, especially for caravans stored for extended periods.
Some policies require the caravan to meet minimum security standards when stored - such as hitch locks, wheel clamps, or storage in a locked compound. Failing to meet these may affect theft claims.
Claims will be declined if the tow vehicle driver was under the influence of alcohol or drugs at the time of the incident.
Standard personal caravan insurance does not cover renting your caravan to others or using it for commercial purposes. Separate commercial cover is needed.
Key factors that influence how much you pay.
Larger, more expensive caravans cost more to insure. A luxury caravan worth $150,000 will cost significantly more than a basic pop-top worth $10,000.
Newer caravans typically cost more to insure due to higher replacement value. Older caravans may be cheaper to insure but can be harder to cover if very old.
Secure storage (locked compound, garage), hitch locks, wheel clamps, and alarms all reduce premiums. Street-parked caravans attract higher rates.
Caravans used frequently may attract slightly higher premiums due to increased exposure. However, stored-only caravans still face theft and storm risks.
Where the caravan is stored and where you typically travel affects premiums. Urban areas may have higher theft risk; coastal areas may face higher storm exposure.
Some insurers check that your tow vehicle meets the caravan's towing requirements. A properly matched setup may be viewed more favourably.
Indicative annual comprehensive premiums by caravan type.
Disclaimer: These are indicative estimates only. Actual premiums depend on your caravan, storage, usage, and insurer. These are not quotes.
Ways to reduce your caravan insurance premium.
Caravan insurance prices vary between providers. Getting 3 - 4 quotes takes minutes and could save you hundreds.
Hitch locks, wheel clamps, alarms, and GPS trackers all reduce premiums. Storing in a locked compound or garage helps too.
Many insurers offer multi-policy discounts when you insure the caravan and tow vehicle together, along with home or contents.
A higher voluntary excess lowers premiums. Ensure you can afford the excess if you need to make a claim.
Monthly payments include admin fees that add 5 - 10% to the total cost. Paying upfront saves money over the year.
An up-to-date inventory with photos and receipts speeds up claims and ensures you are not paying for more contents cover than you need.
Steps to follow if your caravan is damaged, stolen, or involved in an incident.
Secure the scene. Call 111 for emergencies. If the caravan is blocking a road, contact police on 105.
Photograph all damage to the caravan, contents, awnings, and any other property involved.
Lodge your claim as soon as possible with your caravan insurer (not your car insurer). Have your policy number ready.
An assessor evaluates the damage. Contents claims may be assessed separately from structural damage.
Repairs arranged or payout made based on agreed/market value. You pay your excess amount.
Key information for caravan owners in New Zealand.
New Zealand has over 300 holiday parks and campgrounds, plus hundreds of DOC (Department of Conservation) camping areas. The NZMCA also maintains member-only parking areas nationwide. Popular caravan destinations include the Coromandel Peninsula, Bay of Plenty, Hawke's Bay, Marlborough Sounds, and Central Otago. Holiday parks range from basic powered sites to full-service parks with amenities. Most comprehensive caravan insurance covers the caravan at all these locations.
New Zealand's weather can pose significant risks for caravans. High winds are common in exposed coastal and elevated areas - caravans can be blown over or damaged by flying debris. Heavy rain and flooding affect low-lying campgrounds, particularly in the West Coast and Northland. Storm damage is a leading cause of caravan insurance claims in NZ. Comprehensive insurance typically covers wind, hail, flood, and storm damage, though some policies have a separate natural disaster excess. Always secure your caravan properly when parked, and consider the weather forecast when choosing campground locations.
Common questions about caravan insurance in NZ.
Disclaimer: The information on this page is for informational purposes only and does not constitute financial, insurance, or legal advice. All pricing is indicative and based on publicly available data as of early 2026. Actual premiums vary based on your caravan, location, storage, and usage. These are not quotes - always obtain a personalised quote from the insurer.
Note: Compare.org.nz earns referral fees from some featured providers. Sponsored content is clearly labelled. Features and pricing may change - always verify with the insurer. For financial guidance, consider a licensed financial adviser.
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