Caravan Insurance Online Caravan Insurance Calculator

Estimate your caravan insurance needs with our Caravan Insurance Calculator. Calculate the right levels of cover to protect your caravan and your financial livelihood.

Calculator results are estimates only and not quotes. Actual quotes will be provided by licensed brokers after you submit an enquiry.

Caravan Insurance â€“ Sum Insured Calculator

Work through the steps to add up the replacement cost of your caravan, annex/awnings, fitted equipment, appliances and portable contents. This helps avoid underinsurance and prepares a clean summary to share with a broker.

Step 1 of 6

1) Caravan details

Enter the base caravan replacement value, plus a few details for your records.

Caravan type

Make / model / year

Base caravan value (replacement) Exclude annex/awnings, fitted equipment, appliances and portable contents here â€“ youâ€™ll add them in the next steps.

GST treatment Commercial policies typically use ex-GST sums insured where ITCs apply.

Storage / site (disclosure only) For your summary; it doesnâ€™t alter totals.

Financier (optional) If thereâ€™s a financier/lessor, your broker may need this for policy notes.

VIN / chassis (optional)

Next: add annex & awnings.

2) Annex & awnings

Include annex walls/rooms, awnings, anti-flap kits, privacy screens, and associated hardware.

3) Fitted equipment & structural mods

Solar, batteries/charging, inverter, tanks, air-con, diesel heater, suspension/chassis upgrades, stone guards.

4) Onboard appliances & electronics

Fridge/freezer, cooktop/oven, microwave, hot water system, TVs, sound system, cameras, alarm/trackers.

5) Portable contents (optional)

Camp furniture, bedding, cookware, tools, BBQ, generators, hoses, leads. Some policies cap contents or insure them elsewhere.

6) Results

Calculate a recommended sum insured based on your entered replacement values.

When youâ€™re ready, calculate your recommended sum insured.

Heads-up: Tow vehicle accessories (e.g., weight distribution hitch, tow mirrors) are generally part of the vehicle, not the caravan. Accidental damage, flood, contents limits and new-for-old vary by policy.

Get your caravan insurance quote now

Calculator outputs are estimates only and do not constitute quotes. Actual quotes will be provided by a licensed broker after you submit an enquiry.

How to use our Caravan Insurance Calculator

Our Caravan Insurance Calculator helps you estimate an appropriate caravan insurance sum insured by adding up realistic replacement costs for your caravan and commonly insured extras. This matters because underinsurance can leave you out of pocket after a claim if your sum insured is too low to replace your caravan, fitted items, appliances, and contents. A clear, itemised total also makes it easier to request quotes and discuss cover with an insurer or broker.

How to complete the calculator (in order) for the best result:

1. Caravan type: Select the closest match (for example touring, pop-top, off-road, camper trailer). This improves the accuracy of your summary and helps you think through typical inclusions for that style of van.

2. Make, model, year: Enter details as they appear on registration or purchase documents. This supports clearer records when comparing quotes.

3. Base caravan value (replacement): Enter what it would cost to replace the caravan itself today, excluding annex/awnings, fitted equipment, appliances, and portable contents, as these are added separately.

4. Annex and awnings: Add each major item and its replacement cost (including associated hardware). Itemising helps avoid missing expensive add-ons.

5. Fitted equipment and structural mods: Add upgrades such as solar, batteries, inverters, tanks, air-conditioning, heaters, suspension or chassis upgrades, and stone guards at current replacement pricing.

6. Onboard appliances and electronics: Add fridges, cooking appliances, hot water systems, TVs, sound, cameras, alarms, and trackers.

7. Portable contents (optional): Add camping furniture, bedding, cookware, tools, BBQ, generators and similar. Check whether your intended policy caps contents or covers them elsewhere.

8. Storage or site and GST treatment: Select your storage situation for disclosure. Choose GST-registered status so totals display ex-GST or incl. GST appropriately.

9. Financier and VIN/chassis (optional): Include these for a cleaner summary if finance is involved.

Interpreting your results: The recommended sum insured is your estimated total replacement cost across categories. Use it to compare policy options such as agreed value versus market value, cover limits for contents, exclusions, excess levels, and whether â€œnew for oldâ€ applies. Revisit the calculator after upgrades or at least annually.

Important information: This calculator provides general information only and does not consider your objectives, financial situation, or needs. Results are estimates and not an insurance quote. Before acting, consider the relevant Product Disclosure Statement and Target Market Determination and, if needed, seek advice from a licensed insurance adviser or broker.