Introducing CaRVan Insurance – Caravan & RV Insurance With Amazing Benefits

Introducing CaRVan Insurance – Caravan & RV Insurance With Amazing Benefits

At Free Range Camping, we are always looking for ways to increase the benefits on offer to our Premium Club Members.  One such area that we could see to do this was by finding suitable providers of Specialised RV (Caravan & Motorhome) Insurance.

In doing so, we are proud to announce we have now entered into a strategic relationship with CARVAN INSURANCE which will see us being able to offer our members access to a quality insurance product that provides a wide variety of cover options and benefits that some other insurers may not provide, with the added benefit of a 10% Discount  off the Premium to our Premium Club Members.

Why CARVAN INSURANCE?

Our search for a specialised RV and Caravan insurance policy and company originally began five years ago when we were looking for suitable RV Insurance for ourselves.  As we developed FRC, we realised insurance was something that most of our members needed, so we continued our research.

We contacted every insurance company imaginable that was offering Caravan and Motorhome Insurance.  We asked as many questions as possible.  We obtained a PDS (Product Disclosure Statement) from as many as possible and started to compare them all.

What we found were surprising differences, not only in premiums, but also in what cover each policy had to offer.   Some had great prices, but limited cover.  Others had some great benefits, but came at excessive costs.

In the end, we kept coming back to a company called Insuret and, for a number of reasons, we aligned ourselves with them, namely:

► They had a specialised RV insurance policy that covered all the essentials.

► They were backed by Hollard’s, who participate in the Recreational Vehicle space.

► Their policy covered things that many other general insurance companies did not.

► Their premiums were competitive, especially considering what they offered.

► They were prepared to offer our Members an exclusive offer and a further 5% discount on premiums.

As a result, over the last 10 months we have been able to offer the Insuret specialised RV product to our Members at a discounted rate.  But now things have improved even further.  Insuret have recently formed a joint venture with several other key players in the marketplace to form a new force in RV Insurance.  CARVAN INSURANCE

This new relationship will now see the benefits of the original Insuret product enhanced.  Still backed by Hollard’s, they now have the added advantages of……

Online Quoting

With the CARVAN INSURANCE online quoting system you can obtain a quote and even purchase your policy easily and quickly online. (Subject to caRVan’s underwriting guidelines).  Simply login via your FRC Premium Member portal and you will be directed to the CARVAN INSURANCE site.  This will recognise your member details and allow for a 10% discount to be applied.

What you will see from the member portal

More Cover

The CARVAN INSURANCE policy will have fewer restrictions and more benefits than the Insuret Policy.  These include:

► Increased range of acceptable Recreational Vehicles, where their online system can quote on RV’s up to $100,000.  Anything over this amount will be referred to a representative of CARVAN INSURANCE who will review and if acceptable, will provide a quote.

► Off-road RV’s

► Camper Trailers, provided they are an approved make and model.

► A wider range of makes and models from reputable manufactures to ensure parts availability for your RV repairs.

Note:  caRVan’s underwriting guidelines apply and in some instances, caRVan will be unable to provide a quote. Their system will advise you of this, if that happens and a consultant will contact you.

More Savings

CARVAN INSURANCE are now offering Free Range Camping Premium Club Members an additional 5% Discount on premiums.  This offer is only available to Premium Club Members and will provide a total discount of 10% off the premium. 

Full List of Benefits

The list of benefits available to our members in this policy are outstanding, and whilst they are all explained in full detail in the PDS which you can download via the link here, I have outlined the major benefits below in simple terms.

Download full PDS

Please note however this is purely based on my our personal research of the CARVAN INSURANCE product. Please ensure your read caRVan’s disclaimer at the bottom of this post and ensure you have read and understood their PDS, before making any decision about this product.

Emergency Repatriation

This inclusion is huge.  It means that if you, or any member of your travelling party fall ill, or are injured and need to get home or to another location for medical treatment, the policy will allow for you and the entire party to be relocated, including the RV, up to the total amount of $5,000.  Eg. You and your spouse are camping at Dubbo with two of your grandkids, but normally live in Sydney. If one of the grandkids is injured and you have to go back home, the policy will cover the costs for all of you and the caravan to be repatriated back to Sydney, up to the specified limits.

Repatriation for everyone in your travel party

Agreed Value Cover

With this policy there is no guessing as to what your RV is worth.  All polices are provided on an agreed value basis. This is determined in consultation between you and CARVAN INSURANCE so you will know well in advance how much you are covered up to. This amount will be shown on your policy.

Agreed Valuation

Full Replacement Cover within first 24 Months

This means that if your brand new RV is totally written off within the first 2 years of its life, the policy provides for total replacement of the RV with the same model, or as close as possible to it, regardless of the cost of the new one, which can allow for any price increases in the meantime.

Replace your RV with a brand new one within 24 months

Emergency Accommodation & Travel Expenses   

This comes into its own should you be using the RV and you are unable to use it due to a claim for damage or loss, displaced and need to stay in alternative accommodation for a short period of time, while your RV is being repaired.  There are two levels of this cover, one for part time travellers allowing for $150 per day up to $2,500 worth of cover, and one for full time travellers, where the RV is your usual home.  This is also $150 per day but up to $4,500.  This ceases when your RV is returned to you in a liveable condition.

Automatic Contents Cover

When out camping you want to make sure your contents are covered as well.  This policy automatically has some cover for loss or damage to contents, up to the value of $2000, but in addition to this you can nominate extra cover on specific items, however an extra premium applies if this is the case.

Cover for nominated accessories used away from your RV

In what we believe to be a first for insurance policies, this one has an optional extra cover for items that are outside your undercover awning area.  As you know, when camping, some of your items may be outside this area, for instance portable solar panels, generators or satellite dishes.  This policy allows you to nominate these items and ensure they are covered for loss or damage by insured events when up to 10 metres around your RV.  An extra premium does apply, as well as a Portable Accessories excess in the event of a claim.

Cover for extra items away from the RV

Annex Cover       

This policy can include cover for your Annex, up to the value of $1000.  However not every RV has an Annex, so you can opt to exclude this cover and not be charged the extra premium.  If you do have an annex, it can be covered as long as it is nominated at the time of quoting.

Cover for damage to your awning

Excess free windscreen cover

Many insurance policies will include windscreen cover, but some will charge you the excess for this when making a claim.  With the CARVAN INSURANCE policy, you are entitled to one free windscreen replacement per year without being required to pay the excess.  With some windscreen replacements costing in excess of $500, this alone can be a considerable saving.

No excess to pay on windscreen claims

Hire of Vehicle following theft or accident  

In the event your RV is stolen, or you are unable to stay in it after an accident, the policy will provide for you to hire a replacement Caravan or Motorhome to continue your journey. Where the claim is accepted, cover is limited to a maximum of $100 per day, and a total of $1500 after theft or $500 after an accident.

Locks and Key Replacement

Situations we don’t often think about are losing your keys or if your locks are damaged by someone forcing their way into your van. These can become quite expensive events with the cost of replacement remotes and locks. This policy allows for up to $2000 to repair or replace keys and locks.

Replacement of Locks & Keys can be costly

Emergency Repairs

This section of the policy allows you to undertake emergency repairs to your vehicle after an accident up to the value of $1000 to get you back on the road, without first gaining authorization from the insurer.  An example of where you might use this is if a panel is damaged and you still need to drive back home.  You can undertake the repair up to the allocated value and then submit a claim as soon as practicable.

Emergency repairs to keep you going

Mechanical Breakdown Cover

Another great benefit is cover for towing your RV after a mechanical breakdown, in addition to after an accident.  This may cover towing your RV to a repair workshop in the event of things such as bearings seizing.  Some polices will not cover you for towing in these circumstances, but this policy allows for cover up to $1000, subject to some conditions.

Breakdown Cover included

Removal of Debris

Following an accident, the last thing you would want is a clean-up bill from local authorities, but it can happen.  This policy allows for up to $5000 towards the cost of the clean-up.

Cleaning up debris after an accident is included

Towing Costs

You want to make sure you are covered for this no matter where you are.  With this policy, there is no limit to towing in the event that your RV is involved in an accident.  Whilst some general polices have limits on this, the CARVAN INSURANCE policy does not.  Note:  This is separate from the Mechanical Breakdown Cover (as explained above).

Towing Costs are covered

Fusion Cover    

This cover provides for repair or replacement of electrical equipment in the event of a motor burnout.  Predominately this will affect fridges, but may also include your air conditioner or other electrical appliances.  There are limits involved, one being that the motor should be less than 15 years old, but this is still a great benefit to have.

Food Spoilage

The advantage of this cover is that it will kick in not only when you lose food due to fusion of your fridge motor, but also if the vehicle is damaged in an accident. The cover will provide for up to $500 worth of replacement food items.

Cover against food spoilage

Personal Watercraft Cover

If you carry watercraft as part of your rig, included with this policy is cover for up to $4000 for the items in the event of an accident while they are being transported or towed.  This covers small boats, kayaks or canoes, or other  watercraft up to 3.5 metres in length and up to a 30hp motor .

Even your watercraft can be covered

Making  a Claim

Submitting a claim with CARVAN INSURANCE is easy, with three options available:-

1. Go to the CARVAN INSURANCE website and Click on the Claims Page.  Click on the ‘Notify us of a Claim’ button and complete a notification on line.

2. E-mail your claim details and any relevant documents to: [email protected]

3. Call CARVAN INSURANCE direct on the number provided on their claims page.

Choice of Repairer

Another included benefit of the CARVAN INSURANCE policy is that you have the freedom to nominate your preferred repairer.   This means you are not forced into using a repairer you may not know.  CARVAN INSURANCE will be able to assist you in making arrangements to obtain quotes, but you can still nominate your own repairer should you wish to.  The repairer will need to provide a competitive quote and be approved by CARVAN INSURANCE before the repairs are undertaken to ensure the repairs are guaranteed.  If the quote is not competitive, CARVAN may ask you to obtain a second quote.

As an added benefit in assisting our members, FRC is currently putting together a list of all available RV repairers around the country.  In time, and with feedback from our many members, a second list will be created containing the details of repairers who are found to be competent and able to complete repairs satisfactorily and in a timely manner. These repairers’ details will be added onto what will be our list of ‘preferred repairers.’

How to get your Quote

To obtain your CARVAN INSURANCE quote at the discounted rate, firstly you will have to be a Premium Club Member of Free Range Camping.

If you are not a member, click on the link below to find out the full list of benefits on offer and how to join.

caravan and rv insurance

Once you are a Premium Club Member, you can access the CARVAN INSURANCE online Quoting system via your member’s portal.

The online quoting system is easy to use and will present a series of questions about your RV.

Once the quote is supplied, you will have the choice to:

►  Purchase your policy immediately with your FRC discount applied. You will then receive a confirmation email with all documentation, including the PDS, ensuring you are fully covered from the nominated start date and time. A 30 Day cooling off period will apply.

►  Save your quote, which will be valid for 30 Days so you may review it and pay at a later date.

Should you require more information about your quote, there will be provision for you to contact CARVAN INSURANCE direct via email: [email protected]

In the event that you have not provided enough information for the quote to be completed, you will receive a message advising you that your Quote has been ‘referred for further review’ and a representative of CARVAN INSURANCE will contact you direct to discuss the details within two working days.

 

Please Note:  The above is general information only, which is based on personal research by the FRC team of  caRVan’s insurance product. It should not be relied on instead of reading their PDS. 

IMPORTANT – Please read caRVan’s Disclaimer below

Details outlined in the above are provided by FRC as part of the strategic alliance they have formed with CARVAN INSURANCE and are for the benefit of FRC Premium Club Members. The alliance provides for exclusive access to the CARVAN INSURANCE policy by FRC Premium Members.  FRC are not remunerated by CARVAN INSURANCE, with all benefits passed to members in the form of a 10% Discount off market rates.

It should be noted that some limits, exclusions and conditions will apply.  A Product Disclosure Statement (PDS) for Carvan Recreational Vehicle Insurance Policy is available from the link included in this article and also from the CARVAN INSURANCE website: www.carvaninsurance.com.au

You should consider the PDS when considering whether to buy or renew this insurance. For information on services and how CARVAN INSURANCE is remunerated, please refer to their Financial Services Guide which can be found on their website.

caRVan is an authorised representative of Breeze Underwriting (Aust) Pty Ltd.  Insurance is issued by Breeze Underwriting Pty Ltd, ABN 65 003 922 487, AFS Licence No. 235130, trading as Carvan Insurance and is underwriting agent for the insurer, The Hollard Insurance Company Pty Ltd, ABN 78 090 584 473, AFSL 241436

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Introducing CaRVan Insurance – Caravan & RV Insurance With Amazing Benefits
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