Caravan Insurance

Redwood Insurance Brokers makes caravan insurance clear and genuinely useful. We’ll help you choose cover that matches how you travel and where you park up, explain what’s included (and what’s not) in plain English, and make sure the important stuff like annexes, awnings, solar setups, bikes, and contents isn’t accidentally under-covered.

If you ever need to claim, we’ll back you and help drive it through.

Why caravan insurance matters

Caravans are part vehicle, part home-away-from-home — and they’re not cheap to repair. Damage can happen while towing, at the campsite, in storage, or from weather events and theft. The right cover helps protect your investment and reduces stress when trips don’t go to plan.

Our job is to help you choose cover that matches how you actually use the caravan, avoid nasty surprises, and feel confident your policy will respond when you need it

What we help with

We can help you organise cover for:

  • Caravan comprehensive insurance (damage and theft, policy-dependent)

  • Third-party liability options (where relevant)

  • Agreed value vs market value guidance (what you’ll be paid if it’s written off)

  • Annex, awnings and add-ons (availability and limits vary by insurer)

  • Accessories and fit-out (solar, batteries, appliances, bike racks, water tanks, etc.)

  • Contents inside the caravan (often limited unless structured correctly)

  • Storm, flood, and sudden damage options (policy-dependent)

  • Excess structure choices (standard excess, theft excess, etc.)

  • Storage, security and towing requirements (conditions vary)

We’ll talk through how you travel, where it’s stored, and what you want protected — then recommend cover that fits your risk and budget.

Free insurance review

Parked, towed, stored, or in use (caravans have multiple risk zones)

A lot of caravan claims happen when it’s not “in use”: storm damage in storage, theft from a yard, vandalism, or incidents while towing and manoeuvring.

Takeaway: We make sure your cover matches the whole caravan lifestyle, not just the holiday part.

The “gotchas” we look for (so you don’t find them mid-claim)

This is where a broker earns their keep. We check for:

  • Value mismatch (agreed value that hasn’t kept up, or market value surprises)

  • Accessory and annex limits (awnings, annexes, solar and batteries may have caps)

  • Contents cover assumptions (belongings inside often have sub-limits or exclusions)

  • Water ingress and gradual damage traps (slow leaks, rot, mould, wear and tear commonly excluded)

  • Security conditions (locks, hitch locks, wheel clamps, storage rules)

  • Towing requirements (vehicle suitability, licensing, conditions that affect cover)

  • Storm and flood detail (cover differs between sudden event damage and land/water movement issues)

  • Claims process friction (repair rules, parts delays, and how total loss is handled)

If there’s a gap, we’ll tell you straight and explain your options.

How Redwood does it differently

Independent

We compare options across insurers and recommend the best match for your caravan and travel style.

Advice, not just a quote

We explain trade-offs in plain English so you can choose confidently.

A sharper risk lens

We look for exclusions and conditions that can quietly reduce cover.

Claims advocacy

If you need to claim, we’re in your corner, helping drive it through to a fair outcome.

Fast-moving

You deal with people who can make progress, not a maze of handoffs.

Our process (simple, on purpose)

  • Quick chat: what you own, how you travel, what you want protected

  • Review: we check your current cover (or start fresh)

  • Recommendations: clear options, clear trade-offs

  • Placement: we organise the policy and confirm the key details

  • Ongoing support: updates, changes, renewals, and claims help

If you need to claim

When something goes wrong, the last thing you need is to become a part-time claims manager. We help you:

  • work out what to do first

  • lodge and progress the claim

  • share the right info without the paperwork circus

  • keep things moving with the insurer and any other parties

FAQ’s

  • Not usually. Caravans often need specialist cover for accessories, annexes, contents, and towing/storage conditions.

  • It affects what you’re paid if the caravan is written off. We’ll explain what your policy uses and what that means in real life.

  • Sometimes, but limits and exclusions often apply. We’ll help you understand what’s covered and whether extra cover is needed.

  • Often not if it’s gradual or maintenance-related. We’ll explain how policies treat gradual damage and what to watch for.

  • Often yes, for sudden damage, but cover varies by insurer and the specifics of the event. We’ll explain how your policy responds.

  • No. We also help with homes, vehicles, boats, and business risks — this page is focused on NZ caravan insurance advice

Want a second opinion on your caravan insurance?


Bring your current policy (or your caravan details). We’ll review it, explain what matters, and show you options.

Free insurance review