Got a question about caravan & trailer insurance?

We include extra cover for contents inside the caravan up to set limits.  You can also choose to upgrade the level of cover for contents.

Note: contents cover is not available with Third Party Property Only Policies 

Cover is included if the caravan needs to be towed after an incident and you are unable to safely do so yourself. 

There is also some cover for any emergency costs incurred as a result of the incident which includes accommodation, transportation and any emergency repairs that need to be made to the caravan.  These benefits apply when your caravan is insured Comprehensively or with Third Party Fire and Theft cover. 

When you select either Comprehensive Cover or Third Party Property Fire and Theft Cover you can choose to include optional cover for your Annex.

We classify the way you use your caravan or trailer as follows:

Private Use 
Your caravan or trailer is used for social, domestic and pleasure purposes.  We will cover the caravan or trailer when it is used privately.

Business use 
Your caravan or trailer is used as an essential part of any work or business or it is used to generate income or reward.  In this situation we also be able to offer you cover.  We will ask you about the way you use your caravan or trailer during the quote.

If we cover your caravan or trailer for business purposes it will be noted as such on your policy schedule.

When you select either Comprehensive Cover you have the option to add Motor Burnout cover. 

With a comprehensive policy you choose the insured value of the Caravan.  Your policy schedule shows the amounts and details of the insured property.  This is the maximum we will pay for an insured event.

Within the first 2 years, if your new caravan is a total loss we will replace it with a new one or pay the equivalent cost.

You must have been the first registered owner or, if it is not registered, you must be able to provide documentation showing you as the first owner.

Any repairs to the Caravan, which have been completed by a repairer that we have nominated and approved, will be guaranteed for the lifetime that you own the caravan.

As all of our documentation including quotes, policy and claims information is sent to you via email, it is very important that we have your current email address.

We also recommend that you add Youi to your contacts list so that your emails are received.  If you are unable to locate an email we have sent you, please check the junk/spam section of your email.  For Gmail users, try looking under the promotions tab.

Your Product Disclosure Statement (PDS) and policy schedule are sent with all new and amended policies. 

Copies of the following documents can be arranged by calling 13 YOUI (9684) or by downloading them via our website:
• Certificate of Currency 
• Tax Invoice

Our policies normally renew automatically, however if you prefer you can call us to opt out of automatic renewal. We will send your renewal offer to you about four weeks before your current policy ends and continue to debit the premium on the renewed policy using your payment details unless you have opted out of automatic renewal. If you have opted out of automatic renewal you will need to contact us to accept your renewal offer.

If you wish to make changes at renewal (or at any other time during the period of insurance) please call 13 YOUI (9684).  

When a claim is lodged you also pay an excess.  The excesses will be shown on your policy schedule and any combination may apply to your claim:

Basic Excess 
This is the first amount that you need to pay on any claim

Additional Excess 
An additional excess may apply to your claim in certain situations.