General information only — not personal financial advice. This tool doesn't recommend any insurer or policy, and RV3D isn't a licensed insurance broker or financial adviser. It generates a checklist of questions to ask and things to compare based on what you tell it — the actual decision, and the fine print, is between you and the insurer. For genuine personal advice, speak to a licensed insurance broker. General guidance: moneysmart.gov.au.
Your rig
Motorhomes are motor vehicles and need motor vehicle insurance — caravan-specific policies don't cover them. Getting this category right matters before you even start comparing.
How you use it
Full-time living and rental/charter use in particular change what you need to ask about — standard touring policies often exclude or limit these.
Towing & modifications
Undeclared modifications are one of the most common reasons claims get disputed or reduced — this includes solar, lithium batteries, suspension upgrades, and aftermarket accessories.
Who are you comparing?
Name them however's useful — insurer names, or just "Quote 1/2/3" if you haven't called anyone yet. Each checklist item will get its own note space per insurer.
Cover you're considering
Tick anything you're weighing up — the checklist will include specific comparison questions for each one you select.
Reminder: This checklist reflects general information about what commonly matters for RV insurance in Australia — it isn't personalised financial advice and doesn't recommend any specific insurer or policy. Always read the Product Disclosure Statement (PDS) for any policy you're considering, since cover, exclusions, and definitions vary between insurers. If you want advice tailored to your exact situation, speak to a licensed insurance broker.