Introducing Let’s Go Caravan Insurance – Specialised Caravan Insurance

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Introducing Let’s Go Caravan Insurance – Specialised Caravan Insurance

Introducing Let’s Go Caravan Insurance – Specialised Caravan Insurance

Introducing Let’s Go Caravan Insurance

At Full Range Camping we’re excited to announce our association with Let’s Go Caravan Insurance, a provider of specialised RV and caravan insurance.

Let’s Go Caravan Insurance provides comprehensive cover for caravans with premiums that are competitively priced. What’s more, they are offering FRC members their Prestige cover option for the price of their Standard cover option.

In addition, if you purchase a Let’s Go Caravan Insurance policy, you’ll be entitled to free FRC membership for the term of your policy.


Who are Let’s Go Caravan Insurance?

Our search for a specialised RV and caravan insurance partner has been ongoing.  After extensive research we are proud to announce our new association with Let’s Go Caravan Insurance.

Let’s Go Caravan Insurance is issued by NM Insurance and underwritten by AIG Australia.  Their policies were developed following a business partnership between NM Insurance and the Caravan Industry Association of Australia.

The Benefits of partnering with Let’s Go Caravan Insurance

Some of the benefits of partnering with Let’s Go Caravan Insurance are

► Their policies are tailored specifically for Caravans & RV’s
► We believe their premiums are competitive
► They are offering FRC Club Members, who purchase caravan insurance, and exclusive upgrade to their Prestige Cover at no extra cost.  (NOTE: Does not apply to Motorhome Insurance)

In addition, if you purchase caravan insurance through our website, we’ll pay for your FRC Premium Membership for you for one year, or refund the annual membership fee paid by existing members.

What does the caravan policy cover?

Let’s Go Caravan Insurance covers caravans, including pop-tops, and camper trailers.  They provide cover for short vacations or long term travellers, and may also have options for those wishing to rent out their caravan.  You can tailor cover through a number of optional extras depending on what you need.

Summary of Policy Benefits

NoteInformation on this page relates to caravan insurance and not motorhome insurance.  Information is general only.  Consider your objectives, financial situation and needs before deciding whether it’s right for you. All insurance policies have terms, conditions, limits and exclusions. These are set out in the Product Disclosure Statement . Please read this carefully before purchasing the policy.  Information in regards to Motorhome insurance will be coming soon. 

Standard Inclusions

Let’s Go Caravan Insurance covers damage or destruction due to a range of insured events, including Accidents, Floods, Malicious Damage, Fire, Hail and Storm Damage

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The Policy also covers theft or attempted theft of your Caravan

Covers against Theft

When out caravanning, most people want to make sure they have some cover for their caravan’s contents.  Let’s Go Caravan Insurance includes some cover for loss or damage to contents, up to the value of $2,000. Sub-limits apply for items like bicycles, fishing and photographic equipment, binoculars and individual high value items.

Cover for your contents

FRC Member Bonus: The Prestige option offers automatic contents cover increased by $3,000, making a total of automatic contents cover of $5,000 (subject to the sub-limits for certain types of items).

The Let’s Go Caravan Insurance policy provides automatic cover for awnings if they are permanently fixed to your caravan. So you can rest assured, if your fixed awning is damaged.

Caravans under 2 years of age are insured on an agreed value basis. This may also be possible for older caravans and will be determined in consultation between you and Let’s Go Caravan Insurance so you will know well in advance what you are covered for. Any agreed value will be shown on your policy schedule.

Agreed Valuation

If your brand new caravan is totally written off within the first 2 years of its life, the policy provides for replacement of the caravan with the same or similar make and model, which can allow for any price increases in the meantime.

FRC Member Bonus:  The Prestige option offers 1 extra year of replacement cover for new caravans, taking the period to 3 years.

This section of the policy allows you to undertake emergency repairs to your vehicle after an accident up to the value of $1,000 to get you back on the road.  An example of where you might use this is if a panel is damaged due to an accident and you still need to drive back home.  You can undertake the repair up to the cost of $1,000 and then submit a claim as soon as practicable.

This comes into its own should you be using the caravan and you are unable to use it due to damage, theft or destruction and you are more than 100km from your home.  There are two levels of cover, one for short term travellers with a limit of $150 per day and $1,000 in total, and the other for people travelling for more than 6 consecutive months, with a limit of $150 per day and $2000 in total.

FRC Member Bonus:  The Prestige option offers an extra $400  of cover

The advantage of this cover is that it will kick in not only when you lose food due to burnout of your fridge motor, but also if the vehicle is damaged in an accident. The cover will provide for up to $500 worth of replacement food items.

FRC Member Bonus: The Prestige option increases this cover by $500 making total amount of cover $1,000

Following an accident, the last thing you would want is a clean-up bill from local authorities, but it can happen.  This policy allows for up to $5,000 towards the cost of the removal of debris following an insured event.

With this policy, there is cover available up to $5,000 for reasonable costs incurred in returning your caravan home if:

►you’re unable to drive the vehicle towing the caravan due to suffering an illness or injury more than 100km from your home and
►you can provide a medical certificate confirming this or
►the vehicle towing your caravan is involved in an accident more than 100km from home and can’t be driven.

Towing Costs are covered

This cover provides for repair or replacement of the motor of electrical equipment in the event of a burnout.  Predominately this will affect fridges, but may also include your air conditioner or other electrical appliances.  There are limits involved, one being that the motor should be less than 15 years old, but this could still be a great benefit to have.

Burnout cover for motors & electrical equipment

Flyover refers to a free standing roof construction which is demountable and moveable and permanently installed at the regular storage site of your caravan and designed to provide protection for your caravan from the elements. Cover is provided up to the amount of $2,000 following an insured event affecting your caravan.

Optional Extras

For an extra premium, Let’s Go Caravan Insurance can also provide optional cover for things like;

Annex cover can be catered for by this policy as optional cover. It attracts an additional premium and will be noted on your policy schedule. It covers loss, damage or destruction to your annex up to the amount shown on the schedule (if it’s less than 5 years old) or its current value (if it’s more than 5 years old).

Cover for your annex

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Permanent on-site caravans are not covered by the policy. However, if your caravan is a permanent on-site caravan, Let’s Go Caravan Insurance may be able to provide this as an optional cover – talk to their friendly team to discuss the options.

Cover for  permanent on-site vans

Many people are choosing to rent out their caravans when they are not being used as an extra way to make money.  Cover for hired out caravans is not included in the policy. But, if you hire your caravan out, Let’s Go Caravan Insurance may be able to cover this as an optional cover – talk to their friendly team to discuss the options.

Cover when you rent out your van

FRC Club Member Benefits

For Full Range Camping Club Members, Let’s Go Caravan Insurance are offering access to their Prestige Cover for the price of their Standard Cover. Prestige Cover provides additional coverage (which is usually offered at the time of quoting for an extra cost).

What’s more, if you purchase a Let’s Go Caravan Insurance policy, we will provide you with free FRC Premium Membership (or refund any membership fee you have paid – up to the value of $44.95).

Prestige Cover Inclusions

Normally, Lets Go Caravan Insurance has an option to purchase Prestige Cover instead of Standard Cover.  This option is provided at the time of the quoting process and usually incurs an increased fee in the policy quote.

FRC Club Members are entitled to the Let’s Go Caravan Insurance Prestige Cover for the normal price of the Standard Cover.  NOTE: This applies to the Caravan Insurance Policy only and excludes the Motorhome Insurance Policy.

The Prestige inclusions are outlined below.

If you suffer accidental death when using your caravan more than 100km from home, the policy will pay up to $2,000 towards repatriation and funeral costs.

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If you purchased your caravan new, the Prestige option offers 1 extra year of replacement cover in the event of a total loss, taking the period for which it could be replaced, to 3 years instead of 2 years.

This Prestige inclusion offers cover for loss of contents increased by $3,000, making a total of contents cover of $5,000. Sub-limits apply to bicycles, fishing and photographic equipment, binoculars and individual high value items.

Flyover refers to a free standing roof construction which is demountable and moveable and permanently installed at the regular storage site of your caravan and designed to provide protection for your caravan from the elements. Cover is provided up to the amount of $2,000 following an insured event affecting your caravan.

FRC Member Bonus:  The Prestige option offers $3000 extra cover at no extra cost, taking full coverage up to $5000

Standard cover for damage to food following an insured event is $500. However this is increased with the Prestige option, raising the total amount of cover to $1,000.

Got pets? No worries, with the Let’s Go Caravan Insurance policy Prestige inclusion, you will have cover of up to $1,000 toward vet fees if your pet is travelling with you and  first becomes sick or injured when you’re more than 100km from home. No excess applies to this benefit.

Cover for your pets

One of our most used and valuable items. Theft of a Mobile Phone is also covered with your Prestige cover if the mobile phone is stolen from your locked caravan and there is evidence of forced or violent entry.

Note: A cover limit of $500  and a special excess of $100 apply.

Cover for mobile phones

Many of us like to travel off road when exploring in our caravans, with the Prestige cover offered to FRC Premium Club Members, no additional excess applies if loss to your caravan occurs whilst it is being driven on any dirt road, unsealed road or beach.

Go where you want with confidence

With the prestige upgrade, should you suffer a total loss to your caravan that results in a total loss payout to a financier noted on the policy as an ‘Interested Party’,  the policy will pay any remaining balance due to the Interested Party under your loan up to $2,500

Cover for interest loan repayments

Tyres & Rims are easily damaged. Some people believe that paying an excess for them isn’t worthwhile. With Prestige cover, Let’s Go Caravan Insurance will waive the excess ordinarily charged for claims for tyres and rims if they are damaged due to accidental collision or other impact which occurs suddenly and results in the tyre or rim being incapable of inflation.

Waive excess for Tyre & Rim damage

If Let’s Go Caravan Insurance agrees to pay a claim for the total contents sum insured under your policy, your contents cover will be automatically reinstated to the same amount shown on your certificate of insurance during the period of insurance.

Comparison Chart

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Premium Membership Paid For / or Refunded

Purchase a LET’S GO CARAVAN Insurance policy through our website and receive your FRC Premium Yearly Membership for free or, if you are already a paid member receive a refund of your Premium Membership fee (Up to a total of $44.95).   Full details of this offer are below.

Free & Non Members

If you are currently a Free Member of Full Range Camping, and purchase a Let’s Go Caravan Insurance policy through our website, not only will you get Prestige cover, but we will pay your FRC Premium Membership fee for you (valued at up to $44.95).

Free & Non Members – Applies to Free members of Full Range Camping (FRC), or anyone that has not applied or registered for free access to FRC as a free user.  Once a Let’s Go Caravan Insurance policy has been purchased existing Free members will be entitled to a full Premium Membership with FRC for one year and their annual membership fee of $44.95 will be paid for by us.  The name and contact details of Non-Registered members will be passed by Let’s Go Caravan Insurance to FRC and a Premium Club Membership will be generated for them.  The membership fee of $44.95 will be paid for by us.

Yearly Premium Members

If you are already an Annual – Full Range Camping Premium Club Member and purchase a Let’s Go Caravan Insurance policy through our website, you will get Prestige cover for the price of standard cover and we will refund to you the fee you paid for your Annual Premium Membership, up to the value of $44.95.

‘Yearly Premium Members’ – Applies to existing Annual members of Full Range Camping (FRC), who have already paid an annual membership fee to FRC.  Once a Let’s Go Caravan Insurance policy has been purchased, FRC will refund the original annual membership fee paid by the Annual member, up to the value of $44.95.

NOTE:  In regards to annual members, if you purchase an insurance policy, your FRC Membership joining date will be adjusted so that it falls due on the date that your insurance policy will expire.  Any refunds due for FRC Membership will be paid on a pro rata basis.

Lifetime Premium Members

If you are already a Lifetime – Full Range Camping Premium Club Member and purchase a Let’s Go Caravan Insurance policy through our website, you will get Prestige cover and we will refund to you the price of 1 years Annual Membership, up to the value of $44.95 or your paid lifetime premium membership fee.

Lifetime Premium Members – Applies to existing Lifetime members of Full Range Camping (FRC), who have already paid a Lifetime membership fee to FRC.  Once a Let’s Go Caravan Insurance policy has been purchased, FRC will refund the amount equivalent to 1 year’s membership fee, at the value of $44.95 or your paid lifetime premium membership fee.  As Lifetime Members, as no further membership fees are due, this refund will only apply for the initial year the policy is taken out, however Lifetime Members will still be entitled to Prestige cover with any Let’s Go Caravan Insurance policy they renew (subject to any annual premium increases that may be determined by Let’s Go Caravan Insurance).

Insurance Policy Terms & Conditions

Full details of the features, benefits, terms and conditions of the policy are set out in the relevant Product Disclosure Statements (PDS). Download, save and read the PDS carefully before deciding whether to purchase the policy.

Making an Insurance Claim

Let’s Go Caravan Insurance have a friendly and efficient dedicated team on hand you can contact for support when and if you need to make a claim.

You can either:

Download Caravan Claim Form

Repairer Procedure

If Let’s Go Caravan Insurance approves a claim for partial loss to your caravan and/or annex and they choose to repair it, you can obtain a quote from a licensed repairer. Let’s Go Caravan Insurance reserves the right to get a second quote and to move your caravan to another repairer acceptable to both of you. An assessor will review the quote(s) before any repairs are authorised.

How to Purchase your Policy

Obtaining a quote and purchasing a Let’s Go Caravan Insurance policy is easy.   Simply click on the link below to get a quick quote online.  Enter your details and receive a quote which will automatically include your Prestige cover upgrade. The policy can then be purchased online.

Or, you can call Let’s Go Caravan Insurance direct on 1300 153 638 quote your FRC Premium Member Number and they will provide a quote for you over the phone.

 

Things you should know

Free Range Camping Pty Ltd ABN 52 169 677 276 ASIC AR No. 001278841 trading as Full Range Camping is an authorised representative of NM Insurance Pty Ltd ABN 34 100 633 038 AFSL 227 186 trading as Let’s Go Caravan Insurance (NM Insurance). Our Financial Services Guide contains important information about the financial services we provide.  Let’s Go Caravan Insurance is issued by NM Insurance on behalf of the insurer, AIG Australia Ltd. Advice on this website is general and does not consider your objectives, financial situation or needs. Consider these things and the Product Disclosure Statement before buying the policy.

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