Benefit Summary

KT Insurance Recreational Vehicle Insurance

This is a summary only and not the full description of the cover or its limitations. Policy terms, conditions, limits and exclusions apply. For the full policy wording (Product Disclosure Statement - PDS) please use the green buttons below.

• Accidental loss or damage to the Recreational Vehicle anywhere in Australia including whilst being transported by sea
• Accidental loss or damage to all accessories, fittings and/or appliances permanently attached to the vehicle (automatically covered with no need to be listed)
• Accidental windscreen and glass breakage*
• Accidental loss or damage to any trailer valued up to $1,000 (automatically covered and does not need to be attached to the vehicle). Trailers valued in excess of $1,000 need to be specifically noted on the policy to be covered
• Accidental loss of (including theft) or damage to the basic personal belongings within the Vehicle (automatically covered for $2,000). Additional contents and personal valuables cover can be purchased
• Fusion of electric motors up to 15 years old
• Food spoilage up to $500 for any one event
• Legal liability for third party property damage of up to $20,000,000 for a single event (including clean-up costs and cover for death or bodily injury)
• Towing costs to the nearest repairer as a direct result of a mechanical and/or electrical breakdown (Nil excess applies to towing claims), $600 per incident with a maximum of $1000 per policy period
• Reasonable towing costs to the nearest repairer or place of safety as a result of an accident or damage to the Vehicle
• Cost of Emergency repairs up to $500 for a single event
• Non-standard Signwriting /Artwork up to a limit of $1,000 for a single event

We will also cover:

• Hire vehicle costs following a covered accident or theft, up to $1,000 or a maximum of 14 days (whichever is less)
• Emergency accommodation costs following theft of the vehicle, whilst the vehicle is being repaired, or following a claim where the vehicle is a total loss^
• Reasonable transportation costs to your place of residence following a covered accident or theft of the Vehicle
• Transportation costs, including that of the vehicle, to your place of residence following the inability to travel due to an unexpected medical emergency. *Terms, conditions, limits and exclusions apply, see PDS for details.

Optional extra covers that are available to purchase include

• Cover for additional contents
• Cover for trailers
• Cover for valuables
• Protection of your no claim bonus insurance history. *Limits apply, see PDS for details.

* We will pay the reasonable cost to replace your windscreen or single window glass provided it is the only damage sustained by your recreational vehicle.

^ Provided at the time of the covered accident your vehicle was more than 100 kilometres from the address where it is normally parked at night. We will pay a maximum of $1,000 per incident, unless your vehicle is your permanent place of residence, in which case we will pay a maximum of $3,000 per incident.