Youi Caravan and Trailer Insurance Review | Ratings | Pros & Cons | Discount

Youi Caravan and Trailer Insurance is a comprehensive insurance policy designed to provide coverage and peace of mind for Horse Float, Camper Trailer, Boat Trailer, Box Trailer, Cage Trailer, Fifth Wheeler, Caravan & Trailer owners in Australia. Caravans and trailers are often valuable assets for their owners, and ensuring they are adequately protected is essential to avoid financial loss due to theft, damage, or accidents. Youi Caravan and Trailer Insurance are designed to provide comprehensive coverage for these vehicles, including coverage for damage to the vehicle, liability coverage, and coverage for theft.

One of the key benefits of Youi Caravan and Trailer Insurance is that it is customizable, which means that caravan and trailer owners can choose the level of coverage that best suits their needs and budget. This allows policyholders to tailor their coverage to their specific needs, ensuring they are adequately protected without paying for unnecessary coverage.

Another benefit of Youi Caravan and Trailer Insurance is that it includes various additional features and benefits, including roadside assistance, emergency accommodation, and cover for personal items. These features provide additional peace of mind for policyholders, knowing they are covered in unforeseen circumstances.

What cover options does it offer?

Youi offers a range of insurance policies, but even its most basic coverage will protect you if you damage someone else’s property. All policies include counselling services and a traveller bonus if you travel to each state and territory. Here is what you can choose from:

• Third-party property (TPP) is Youi’s simplest cover option. It will insure against damaging someone else’s property or if an uninsured driver damages your caravan or trailer.
• Third-party fire and theft are TPP with the added protection against theft or fire and covering the contents inside the caravan or trailer. Providing legal liability of $20 million, this policy gives you a mix between cover and value.
• Comprehensive covers all your bases. Be it accidental damage, natural damage from storms or floods, fire, theft or however else your camper might get damaged or cause damage to someone else’s property, comprehensive is the policy you want if you’re tired of worrying whether you’re covered or not.

What Include in each coverage option?

What exclusions are there?

General Exclusions:

1. Pre-existing damage
2. Poor or faulty design or workmanship
3. Loss of value or depreciation
4. Loss of use or financial loss
5. Professional, legal, consulting, or valuation costs
6. Mechanical, electrical, or electronic breakdown unless an optional cover is added
7. Delays in delivery or availability of parts
8. Replacement of undamaged parts in a set
9. Tyre damage from wear and tear, punctures, cuts, bursts, or deflation
10. Damage to roads or surfaces from normal use
11. Unregistered caravan, motorhome, or converted bus

Loss or Damage Exclusions:

13. Illegal property or items
14. Contents not secured during transport.
15. Damage caused by insects or vermin, except when contributing to a fire
16. Damage caused by animals, including kicking, pecking, biting, clawing, scratching, tearing, chewing, urine, or excrement
17. Flood, storm, or bushfire during the first 72 hours of policy, unless specific circumstances apply
18. The trailer was towed by a vehicle over 4.5 tonnes.
19. The trailer is towed without permission unless reported stolen.
20. Trailer towed by unlicensed or suspended driver
21. The trailer was towed by a driver under the influence of alcohol or drugs
22. Hit-and-run incidents, unless the trailer reported stolen
23. Illegal towing
24. Transporting dangerous or hazardous materials
25. Use on a racetrack, raceway, course, or adventure park
26. Reckless use, unless reported stolen
27. Overloaded, unsafe, or unroadworthy use
28. Inappropriate or exceeding manufacturer’s specifications
29. Interference with the control of the towing vehicle
30. Use of parts or accessories not recommended by the manufacturer
31. Use of incorrect lubricants or fluids
32. Escape of liquids, unless involved in an accident
33. Improperly secured storage compartments or attachments
34. Hiring out the trailer for a reward
35. Incidents occurring before or after policy coverage
36. Admitting liability or agreeing to liability not otherwise at law
37. Intentional or deliberate acts or omissions
38. Illegal activity
39. Fines, penalties, or exemplary damages
40. Legal repossession, confiscation, or destruction
41. Incidents occurring outside of Australia
42. Wear and tear, rust, corrosion, or deterioration
43. Mould, rot, damp, or climate/weather effects, unless caused by a covered incident
44. Cleaning, restoring, modifying, or repairing the property
45. Poor or faulty design, materials, planning, or workmanship, unless not reasonably aware of the problem leading up to the incident
46. Asbestos
47. Chemical or biological pollutants or materials
48. Radioactivity or nuclear material
49. War or war-like activities
50. Looting, rioting, or civil commotion