Learn how to protect your caravan or trailer with the right insurance. Explore cover options, tips, and what to include to stay ready for every adventure.
Ready to explore the open road? Wherever you're heading out with your caravan or trailer, it’s important to make sure it’s protected. Let’s take a closer look at why insuring your caravan or trailer is a smart move and what to look out for in your policy.
What cover do I need for my caravan and trailer?
Accident cover to handle any bumps or scrapes
Accidents can happen anywhere – whether it’s a minor scratch or a fender bender. Insurance has you covered for repair costs, saving you from hefty, unexpected out-of-pocket expenses.
Theft protection if your caravan or trailer gets stolen
Caravans and trailers are valuable, making them attractive targets for theft. If yours gets stolen, insurance will have you covered, so you don’t have to worry about the loss.
Weather damage cover when Mother Nature hits
Hail, wind, fire – extreme weather can cause serious damage to your caravan or trailer. Insurance that covers weather damage will protect you from the unpredictable forces of nature.
Third-party liability for when your caravan or trailer damages someone else’s stuff
If your caravan or trailer causes damage to someone else’s property, third-party liability insurance will cover you if you’re held liable for any damages.
Cover for all your valuable accessories
Got permanent accessories like roof racks, solar panels, or awnings? Make sure they are listed on your policy, so they are protected too.
Insurance for if you go off the beaten track
For those who love venturing off the beaten path, certain policies offer off-road cover, as long as you stick to your manufacturer's guidelines and read the details of your policy.
Roadside assistance to keep you moving
Breakdowns can happen at the worst times, but with roadside assistance, help is just a call away. Whether it’s a flat tyre or more serious mechanical issues, many insurers offer assistance to get you back to safety.
Where am I covered?
Most policies cover your caravan or trailer within South Africa, and many also extend coverage to neighbouring countries like Namibia, Botswana, and Zambia for a limited number of days each year.
How much should I insure my caravan or trailer for?
When insuring your caravan or trailer, make sure it’s covered for what it would cost to replace it with something similar today, considering its age and use. If your exact model isn’t around anymore, aim for the value of a similar one. And don’t forget to include any fixed accessories or upgrades you've made!
It’s important to insure your caravan or trailer for the right amount so you're fully covered if something goes wrong. This way, you won’t end up paying out of pocket if repairs or replacements are needed.
What excess should I choose?
Your excess is the amount you’ll pay out of your pocket when making a claim. Many insurers allow you to choose an excess that fits your budget. A higher excess means lower monthly premiums, while a lower excess will reduce your out-of-pocket costs in the event of a claim.
Here’s how to think about it:
- Higher excess: Great if you’re confident you won’t need to claim often and prefer lower monthly payments.
- Lower excess: Ideal if you want to avoid high out-of-pocket costs when an accident or loss happens.
Make sure your caravan or trailer is registered, licensed, and maintained according to manufacturer's guidelines. It also needs to be roadworthy, including keeping the tyres in good condition and servicing them regularly.
Ready to protect your caravan or trailer? With Naked, getting insured is quick and easy. Simply download the app using the buttons below – it only takes a few minutes to get covered and start planning your next adventure!
