Does KT Insurance cover flood damage?

Cover your 5th Wheeler

Discover unmatched protection for your next 5th Wheeler adventure with KT Insurance. Embrace worry-free travels with our tailored coverage designed for your unique adventures on the road

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EXAMPLES OF

Vehicles We Cover

To qualify for insurance with KT, your 5th wheeler needs to have inbuilt eating, sleeping, food preparation and food storage facilities.

5th Wheelers: Cedar Creek, Cody, Cross Roads, Dryden, Forest River, Keystone, Macquarie, Playmor, Puma, Travelhome and Trulux etc.

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COMPREHENSIVE RV INSURANCE

Standard Policy Benefits

We’ve tailored our insurance cover and benefits to suit the RV lifestyle

Medical Emergency

Up to $10,000 cover for urgent transport of yourself, your family, your pet and your RV should a medical emergency occur.

Animal Collision Cover

For damage caused to a single vehicle by an accidental animal impact, we cover 1 excess-free claim per policy period.

Windscreen & Glass

If glass can be legally repaired, we cover 1 excess-free repair per policy period (up to $500).

Breakdown Towing

We won’t leave you stranded if you have a breakdown with up to $1000 of excess-free towing to the nearest repairer.

Re-Keying & Re-Coding

If your keys are lost or stolen, we cover up to $750 of excess-free re-keying and re-coding per incident.

Flexible Excess Options

Take control and choose an excess option that suits your RV lifestyle, no matter the excess you choose.

Medical Emergency

Up to $10,000 cover for urgent transport of yourself, your family, your pet and your RV should a medical emergency occur.

Animal Collision Cover

For damage caused to a single vehicle by an accidental animal impact, we cover 1 excess-free claim per policy period.

Windscreen & Glass

If glass can be legally repaired, we cover 1 excess-free repair per policy period (up to $500).

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REVIEWS

Here’s Why Our Customers Love KT Insurance

Rated 4.8 / 5 Excellent

2440 reviews on

Great cover at a great price

GC

Grant Chalmers

12 May 2025

We had clear and concise information…

We had clear and concise information forwarded on the phone and mail which made it an easy process.

J

John

12 May 2025

Excellent service

M

Michael

12 May 2025

KT INSURANCE

Trusted For Over 30 Years

To qualify for insurance with KT, your motorhome, converted bus or coach needs to have inbuilt eating, sleeping, food preparation and food storage facilities

Competitive prices

We strive to be priced fairly, and competitively, with a range of benefits included excess-free

Established insurer

We have been providing industry leading specialist RV insurance for over 30 years

Customer focused

We are committed to providing exceptional customer service and support

Competitive prices

We strive to be priced fairly, and competitively, with a range of benefits included excess-free

Established insurer

We have been providing industry leading specialist RV insurance for over 30 years

Customer focused

We are committed to providing exceptional customer service and support

FAQS

Frequently Asked Questions

Yes your caravan is insured if there is a flood or any other natural disaster i.e strong wind, storm, lightning, hail, earthquake, tsunami or any other natural weather event. However please note within the first 72 hours of policy inception there will be no coverage for loss or damage due to weather events.

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