If you're after Caravan insurance, our friends at AMI will be happy to help you take out a new policy.
If you have existing caravan insurance with State, don't worry - we've still got you covered.
Your caravan is covered against any sudden and accidental damage, or theft.
You won’t have to pay the excess on a claim for damage to your caravan caused by an uninsured driver if you can prove that the other driver was at fault, and give us the registration number of the other driver’s vehicle and their contact details. You’ll also need to help us recover your claim from the driver or the owner of the other driver’s vehicle.
If your caravan isn’t towable because of damage covered by this policy we’ll cover the cost of getting it to a repairer or safe place.
We’ll pay the cost of clearing debris from a road or parking area after an accident involving your caravan that is covered by this policy.
We’ll cover your legal liability if you accidentally damage someone else’s property or injure someone when you’re using your caravan. Provided they’re approved in advance by us, these may include the costs of your legal defence.
This cover extends to anyone else using your caravan if you gave them permission to use it, if they don’t have any other insurance that might apply and they meet the same terms of this policy that you must meet.
Parts
If a part for your caravan that has to be replaced isn’t available in New Zealand, we’ll pay the value at the time of the loss for any new parts or tools. The most we'll pay is the last known selling or list price in NZ along with the reasonable fitting cost.
Caravan contents
You can choose to add this cover for an additional premium. This cover is designed to protect items such as utensils and appliances that you keep in your caravan permanently. So if they’re suddenly damaged, or if someone steals them by forced entry to your locked caravan, we’ll either pay you the current value of these items or the cost of repairing them.
Window breakage
You can choose to add this cover for an additional premium. Under this cover if you need to make a claim just for a broken caravan window, you won’t have to pay any excess.
Please note this product does not qualify for a multi-policy discount. This information is intended as a guide only. There are exclusions and limits to the cover we provide. For the policy wording see our Caravan insurance policy (PDF).