Caravan & Motorhome Insurance Sunshine Coast: Protecting Your Home on Wheels
Introduction
Australians love the freedom of the open road. From weekend getaways to the full-time van life movement, owning a caravan or motorhome has become one of the most popular ways to explore the country. On the Sunshine Coast, in Buderim, Maroochydore, and surrounding areas, caravans and motorhomes are a common sight, with many locals and travellers alike heading off on road trips across Queensland and beyond.
But with freedom comes risk. Caravans and motorhomes are valuable assets and vulnerable to accidents, theft, and weather damage. That’s where Caravan and Motorhome Insurance comes in. At Design Cover Insurance Brokers, we help owners secure the right cover to protect their vehicles, belongings, and lifestyle—so the only thing you have to worry about is where to next.
What Is Caravan & Motorhome Insurance?
Caravan and motorhome insurance is a specialist policy designed to protect recreational vehicles (RVs) against risks both on and off the road. Unlike standard car insurance, which only covers registered vehicles while driving, this type of cover also protects against damage, theft, or liability issues while the caravan or motorhome is parked, stored, or set up at a campsite.
Depending on the policy, it can cover:
Accidental damage – collisions, rollovers, or accidents while driving or towing.
Fire, theft, and storm damage – natural disasters and criminal risks.
Contents cover – protection for items inside your RV, such as appliances, furniture, and personal belongings.
Emergency accommodation – if your motorhome is damaged and you can’t use it.
Liability cover – if your caravan or motorhome causes injury or property damage.
Annexes and accessories – awnings, solar panels, and fitted extras.
Why Is Caravan & Motorhome Insurance Essential?
High Value Assets – Modern motorhomes can cost as much as a house, while caravans often represent tens of thousands of dollars. Insurance protects this investment.
Weather Risks – On the Sunshine Coast, storms, hail, and floods can strike suddenly. Uninsured vehicles may face thousands in repair bills.
Theft & Vandalism – Caravans and campervans are attractive targets, particularly when stored or left unattended at campsites.
Accidents on the Road – From towing mishaps to collisions, accidents happen, and repair costs can be significant.
Liability Risks – If your caravan or motorhome causes damage or injury, legal and compensation costs could be financially devastating.
Cover Options for Sunshine Coast Owners
At Design Cover, we help clients in Buderim, Maroochydore, and across the Sunshine Coast choose policies tailored to their vehicle type and travel style. Common options include:
Touring Caravan Insurance
Designed for caravans regularly towed on trips. Covers road accidents, damage in transit, and campsite risks.
On-Site Caravan Insurance
For caravans kept permanently at a holiday park or site. Focuses on risks like storm damage, theft, and liability while stationary.
Motorhome Insurance
Covers motorhomes and campervans while driving, parked, or in storage. Often includes contents and emergency accommodation.
Fifth Wheelers & Specialty RVs
Larger or custom-built recreational vehicles often require tailored cover.
Real-Life Examples
Maroochydore Storm Damage
A caravan stored at a coastal holiday park is damaged during a severe storm. The owner’s insurance covers roof repairs and replacement of damaged furniture inside.Buderim Motorhome Accident
A motorhome is involved in a minor collision while reversing. The insurer covers repair costs and provides temporary accommodation for the owners.Sunshine Coast Caravan Theft
A towed caravan is stolen from a storage facility. Insurance reimburses the owner for the replacement cost, allowing them to get back on the road sooner.
What’s Typically Included in Caravan & Motorhome Insurance?
Accidental damage (on or off the road)
Fire, storm, hail, and flood protection
Theft and vandalism cover
Replacement or repair of awnings, annexes, and accessories
Contents insurance for items inside
Legal liability protection
Emergency repairs and accommodation
Common Exclusions to Watch Out For
Insurance is designed for unexpected events, not wear and tear. Common exclusions include:
Mechanical breakdown (unless part of optional cover).
Gradual deterioration, rust, or mould.
Damage from illegal towing or overloading.
Unsecured caravans or poor maintenance.
Using the caravan or motorhome as a permanent residence (unless declared).
At Design Cover, we walk clients through these exclusions, so they understand exactly what is and isn’t covered.
How Much Does Caravan & Motorhome Insurance Cost?
Premiums vary depending on:
Vehicle type (caravan, motorhome, campervan).
Value of the vehicle and fitted accessories.
Usage (occasional holidays vs full-time touring).
Where it’s stored (garage, driveway, storage facility).
Claims history and driver details.
Security features (locks, wheel clamps, alarms).
For example, a high-value motorhome permanently based in Buderim may attract higher premiums than a smaller caravan used for occasional Sunshine Coast getaways.
Benefits of Using a Broker Like Design Cover
Many caravan and motorhome owners are unsure which level of cover they need. That’s where Design Cover Insurance Brokers can help:
Tailored Advice – we assess your travel habits, storage, and vehicle value.
Compare Multiple Insurers – access to a wide range of policies, not just one brand.
Local Knowledge – we understand Sunshine Coast risks like storms, floods, and holiday park storage.
Claims Support – we advocate for you in the event of a claim.
Tips for Caravan & Motorhome Owners
Document Accessories – include annexes, awnings, and fitted extras in your policy.
Secure Storage – lock caravans and use wheel clamps to reduce theft risk (and premiums).
Check Contents Cover – make sure personal belongings are included, especially for long trips.
Update Your Policy – if you add solar panels, air conditioning, or new appliances.
Consider Travel Frequency – choose a policy suited to whether you’re a weekend traveller or full-time adventurer.
Why Sunshine Coast Owners Trust Design Cover
We’ve worked with locals for more than 20 years, helping them protect their homes, businesses, and recreational assets. For caravan and motorhome owners in Buderim, Maroochydore, and across the Sunshine Coast, we provide:
Local expertise with national insurer access.
Competitive pricing tailored to your needs.
Clear explanations of inclusions and exclusions.
Friendly, personal service with ongoing support.
Conclusion
Your caravan or motorhome is more than just a vehicle—it’s your ticket to freedom, adventure, and lifestyle. But it’s also a major financial investment. With the right Caravan & Motorhome Insurance, you can relax knowing your asset, contents, and travel plans are protected.
At Design Cover Insurance Brokers, we help Sunshine Coast owners find policies that fit their needs, lifestyle, and budget. Whether you’re touring across Australia or keeping your caravan at a holiday park, we’ll ensure you’re covered.
📞 Call Tanya today on 0419 550 677
📧 Email hello@designcover.com.au