Caravan Dealership Insurance
Caravan dealerships work to a rhythm most retail businesses do not share. Demand swings hard with the seasons, stock sits on the yard for weeks at a time, and a single hailstorm on an exposed lot can produce a six-figure claim across multiple units before the weather has finished. The cover that sits behind a caravan retailer needs to match that shape. Caravan dealership insurance is the cover designed for it.
OneSure is a specialist commercial insurance broker for caravan and RV retailers. We arrange cover for established dealerships, camper-trailer specialists, fifth-wheeler importers, and the mixed-stock operators who carry vans, motorhomes, and pop-tops side by side. Our brokers work with the sector regularly, so we know how cover behaves when a hailstorm crosses the yard, when a customer hitches up their tow vehicle for handover, or when a modification on a custom van does not go to plan.
What caravan dealership insurance can cover
Caravan dealership insurance is a coordinated set of cover types arranged to protect the yard, the stock, the workshop, and the business itself. Cover can typically include:
- Dealership stock insurance for the caravans, motorhomes, and trailers held for sale, against weather, theft, fire, and accidental damage on the lot.
- Premises cover for the yard, showroom, workshop, and office.
- Demonstration and handover cover for units driven, towed, or operated by staff and customers.
- Customer-owned caravan cover for units on the dealership's premises for servicing or trade-in inspection.
- Workshop and tools cover for the servicing and fit-out side of the business.
- Public and product liability for the operation and the products sold.
- Business interruption cover to support the dealership through a covered loss.
- Management liability for the company and its directors.
The mix a given retailer arranges depends on whether the business carries new, used, or mixed stock, whether it offers fit-outs and modifications, and whether the workshop services existing customer vans alongside the retail operation.
Weather, open yards, and the stock value cycle
The single largest exposure for most caravan dealerships is the yard itself. Unlike motor dealerships, where most stock sits under cover or behind a building line, caravan stock is typically arranged in open rows on the lot. The unit is too large to garage in volume, and customers expect to walk among the vans to compare.
That arrangement carries weather exposure that other dealership types do not. Hail across an open yard can damage every unit in a single event. Storm and high winds can shift annexes, awnings, and lighter units. Even a clear summer puts UV exposure on canvas, decals, and seals on units that may sit on the yard for months before sale.
Caravan dealer insurance generally accounts for that exposure with wording that recognises open-yard stock and the way weather risk compounds across multiple units in a single event. A specialist broker reads the policy with that exposure in mind and places cover with insurers who write the class properly.
Handover, customer towing, and modifications
Caravan handover is its own exposure. A van is sold, the customer brings their tow vehicle to the yard, and the handover involves hitching, brake controller setup, weight distribution, and often the customer's first attempt at moving a unit that size. RV dealer insurance generally extends to the handover process, including the period the dealership is providing instruction and the moment the unit leaves the lot.
Modifications and fit-outs are the other recurring exposure. Many dealerships fit accessories, solar systems, awnings, and storage modifications on new stock before sale. Some specialise in custom builds. The workshop side of the business carries its own claim profile, and the wording around fit-out work, supplied parts, and product liability matters.
Why work with a specialist broker
Off-the-shelf dealership cover often assumes the dealership sells cars. Caravan retailers do not. The stock is bigger, the yard is more exposed, the sales cycle is longer, and the handover takes longer than a motor dealership test drive. A generic policy rarely accounts for all of that.
OneSure brokers arrange caravan dealership cover regularly. We know which insurers write the class, the wordings that hold against open-yard weather exposure, and the extensions that match how a caravan retailer actually operates. We also handle the claim when one happens, which is when the difference between a specialist policy and a generic one is felt.
Related cover
- Motor dealership insurance for car and light commercial retailers.
- Marine dealership insurance for boat and watercraft retailers.
- Truck & trailer dealership insurance for heavy commercial dealers.
- Machinery dealership insurance for plant and equipment retailers.
General advice disclaimer
The information provided by OneSure Insurance Services Pty Ltd on this website is for general information purposes only, and it is not a substitute for professional advice. You should always consider the PDS/policy wording before making a decision.
Coverage may differ based on specific clauses in individual policies. Refer to the FSG for our services and remuneration details.
OneSure Insurance Services Pty Ltd is an Authorised Representative (AR No 1242454) of PSC Connect Pty Ltd, ABN 23 141 574 914, AFS Licence No 344648.
Talk to a OneSure broker
Speak to a OneSure broker for an obligation-free conversation about caravan dealership insurance for your business. We will work through the yard, the stock, the workshop, and the cover that fits.
