Road trips and exploring our wonderful country often towing a caravan has increased substantially over the past two years. Typically, Tresidders is a corporate and commercial insurance brokerage, however, we often get asked to manage our business clients’ personal insurances as well. One of our clients in particular was on a scenic caravan trip up to far north Queensland, and whilst driving to Mt Isa, an accident occurred. Fortunately the client escaped without injury, however the same could not be said for their 4WD, caravan, and personal items stored in both car and van.
The client was in between country towns so we needed to arrange for the caravan and car to be picked up and taken to the closest repairer to be assessed. Council assisted with the clean up and removed any items that landed on the road and disposed of them, which presented a challenge to ensure we had captured evidence of the damaged items (helpfully, the client took photos whilst items were being disposed). Lastly, the client needed to resume and continue their trip.
We managed to assist with getting the vehicle and caravan towed with a local tow company to the closest repairer where they were swiftly determined as a ‘total loss’. Settlements were initiated to the client including personal items under the policy, subject to the applicable limits under each policy. We maximised cover with sublimits under the motor and caravan policies, but there was still items and costs not recovered, so in order to reduce our clients overall exposure, we explored and successfully lodged a claim under the client’s corporate travel policy for the remaining contents items damaged. The travel policy also covered the costs incurred by the client for additional travel to resume their trip (flights and motorhome hire) and reimbursement of the excess they paid. See? We told you it was a good outcome!
We promised a few tips to help with your caravan and travel risk management, including:
- Know before you go – don’t assume that your existing insurance has you covered. Check with your insurance broker about your specific plans to give yourself peace of mind.
- The basics – we all know we should make sure that our vehicle and caravan are both roadworthy, but with our increasingly wild weather, it’s also important to check the road and area conditions as well! You’ll also never regret having a working emergency, health and safety kit at the ready.
- Pictures tell 1,000 words – and so does video! Our client in this case study did a great job of capturing important photos to help with the process. If you’ve experienced an incident, of course the first step is to ensure human safety. After that, get photos of the damage and the setting, anything you can to help demonstrate the loss and the scenario. You’d rather have the photos and videos and not need them, then wish you’d taken them.
- The value of a broker – if you’re in the midst of an incident, the last thing you want to do is be digging through your paperwork and trying to figure out how to even get started with a claim. This is where the value of an insurance broker really comes to life – your Claims Manager will help guide you every step of the way, and advocate for you throughout.
Want to learn more or have some questions?
If you’ve got claims questions or want to get your insurance solution reviewed by an expert insurance broker, please contact us. We’re here to help!
The information in this article is general only, it doesn’t take into account your business or situation. You should speak to your insurance broker about your needs before making any changes or decision.