Caravan and Campers
Buying a Motorhome or Caravan is a big investment making sure that you have the right cover is important. Not all covers are equal and we can provide you with the most comprehensive cover available.
Caravans, motorhomes, and campervans require specialist insurance, and we can set you up with cover that’s tailored to your needs. Unlike standard car insurance, these vehicles are recognised as mobile homes and because they sit in a unique middle ground between house and motor insurance, they require their own specialised policies to make sure every aspect of your investment is properly protected. That means protection extends beyond the mechanics and chassis to include internal fixtures, fittings, and even personal belongings you take with you on the road. From your fridge and stove to your bedding and electronics, we can help find specialist cover that ensures both the vehicle and the lifestyle it supports are safeguarded.
At C&R Insurance, we’re serving the insurance needs for Central Otago and Southland. Because we believe insurance should be personal, we come to you and value face-to-face conversations and providing straightforward advice. We help you assess whether your current policy reflects the true cost of your motor risk, including changes to your vehicles, usage, or driving circumstances. We also assist with reviewing your coverage regularly and making sure your insurance keeps up with changes to your lifestyle and transport needs
At C&R Insurance, we make sure you have both your specialist and everyday insurances covered - securing the best prices from the best providers, while acting as your single point of contact to manage it all with ease.
Coverage Options and Considerations
Caravan and camper insurance in New Zealand is available in several levels, allowing you to match your cover to how and where you use your vehicle. Comprehensive insurance provides the broadest protection, covering accidental damage, fire, theft, natural disasters, and liability for damage you cause to others. Third‑Party, Fire, and Theft offers mid‑tier protection, covering third‑party property damage plus loss or damage to your own vehicle from fire or theft. Third‑Party Only meets the minimum legal requirement for motorised vehicles, covering damage you cause to someone else’s property but not your own. For vehicles kept off the road, Storage Cover provides a lower‑cost option that protects against damage while the vehicle is stored or transported.
Specialist caravan and camper policies often include:
Structural and fixture cover for the shell, chassis, and built‑in appliances.
Contents cover for personal belongings, with options to increase limits for higher‑value items.
Agreed value settlements to lock in a payout amount for total‑loss scenarios.
Add‑ons such as towing, temporary accommodation, and 24/7 roadside assistance.
Premiums vary based on the vehicle’s value, how often and where it is used, driver history, age, storage security, and the excess you select. Full‑time motorhome living typically requires broader cover than occasional recreational use. Secure storage and higher excesses can help reduce premiums.
At C&R Insurance, we can help you bundle your caravan and camper cover with your other policies, giving you clarity, convenience, and one trusted point of contact for all your insurance needs.
Benefits
Protect your vehicle from damage or theft, ensuring you're covered whether you're parked or on the road.
It offers liability coverage, so you're financially protected in case you're involved in an accident that causes injury or property damage.
Cover damage to the interior and fittings, safeguarding your investment in your home on wheels.
It provides peace of mind by offering protection against breakdowns, ensuring you're supported if you encounter issues while traveling.