When it comes to insuring your RV, most of us focus on three key factors:
- Cost
- Excess
- The insured value.
While these are important, they only scratch the surface of what makes a solid insurance policy.
The reality is, life on the road is full of unexpected turns, and a good insurance policy should offer more than just the basics - it should provide protection for when the ‘what ifs’ happen, so your biggest worry will be where to visit next.
Here are some key things to consider when shopping around for RV insurance:
What if your health takes a turn for the worse?
Imagine being in a remote location and suddenly needing urgent medical attention, figuring out how to get your RV home will be the least of your worries. Some policies include emergency accommodation and transport, helping you get home or to a hospital if you’re too unwell to continue your journey. Make sure your policy considers the realities of life on the road.
At KT Insurance, we offer Our Medical Emergency Assistance covers $10,000 of urgent transport for yourself, your family, your pet and your RV, with no excess and no effect on your no claim bonus.
What if you hit an animal?
Australia’s roads can be unpredictable, with wildlife often crossing paths unexpectedly. Repairs from animal collisions can be costly, so check if your policy includes cover for animal strikes - especially if you travel at dawn or dusk when encounters are more common.
For damage caused to a single vehicle by an accidental animal collision, KT Insurance cover 1 excess-free claim per policy period, from small repairs right up to larger accidents resulting in total loss
What if your RV is stolen or written off?
Whether it's a brand-new RV or one you’ve put years of love into, losing it completely is a nightmare scenario. Look at policies that offer new-for-old replacement or a payout based on your agreed value, ensuring you can get back on the road without major financial strain.
If you are the first registered owner of an RV that is less than 2 years old and deemed a total loss, KT Insurance will replace it with the same make, model, size and features, including any modifications.
What if your windscreen or windows are chipped or smashed?
It only takes one stray rock to ruin a windscreen. Some insurers offer 1 excess-free windscreen per year as an optional extra, which can save you money and hassle when the inevitable happens. At KT Insurance, if the glass can be legally repaired, we cover 1 excess-free repair per policy period up to $500, with replacement costs also covered less a $200 excess without affecting your no claim bonus.
What if you break down?
No one likes being stranded, especially in a remote area which is why breakdown towing cover for RVs can be a lifesaver.
At KT Insurance, we won’t leave you stranded if you have a mechanical or electrical breakdown. We cover up to $1000 of excess-free towing to the nearest repairer or place of safety, limited to 2 incidents per policy period and $600 per incident.
The Bottom Line
Insurance for your motorhome, campervan, bus or fifth wheeler isn’t just about ticking boxes for price and excess. It’s about finding a policy that supports your lifestyle and keeps you covered for the unexpected. At KT Insurance, we have over 30 years' experience in providing comprehensive insurance for RVs and the lifestyle they allow.
Before you commit to a policy, ask yourself: Does this cover me for all the ‘what ifs’ of RV life? If not, it might be time to look for one that does.