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Motorhome Insurance
Motorhome insurance designed for long stays, regular travel, and everything in between, supporting CMCA members with specialist cover.
Cover that supports motorhome living
Motorhome ownership brings a different set of needs, and your insurance should reflect that. Whether you’re staying put for a period or travelling between destinations, our cover is there to support CMCA members with reliable protection backed by people who understand motorhome ownership.
What our comprehensive cover includes
Replacement of new motorhome in first 3 years of purchase*
Agreed Value policies
Automatic Contents Cover $5,000 (sub limits apply)
Hire Motorhome following theft up to $1,500
Temporary accommodation costs of $200 per day, up to a limit of $2,400, when more than 100kms from home
Emergency Pet Cover up to $1,000 if an insured event injures your pet
Lay-up: Premium discounts for the months you don’t use your motorhome (maximum discount capped at 8 months)
Windscreen Excess Cover: No Excess payable for windscreen claims up to $1,500
Removal Of Debris up to $5000
*New for old replacement applies to motorhomes purchased new, with continuous comprehensive cover, and declared a total loss within 3 years.
Replacement is of the same make, model or series, subject to local availability within 90 days. See relevant PDS for details.
Cover is subject to limits, sublimits, and terms and conditions. Check the relevant PDS and TMD.
Motorhome types covered under our policies
Our cover applies to a broad range of motorhome setups commonly used by CMCA members, reflecting different travel styles, layouts, and ways of living on the road.
Class A
Large, integrated motorhomes built on a bus or coach-style chassis, offering generous space and comfort for longer-term travel and extended stays.
Class B
Smaller motorhomes that tend to be built out of Vans. Offering versatility for space and use, when large space isn’t the priority.
Class C
Mid-sized motorhomes with additional living space, well suited to couples or groups travelling together and spending longer periods on the road.
Subject to eligibility/underwriting criteria
Ready to organise your cover?
Get a quote today and arrange insurance that reflects how you use your motorhome.
CMCA Insurance Price Beat Offer
Have a current written renewal quote? Send it to us. Where eligible, we may offer a premium at least 5% lower, subject to underwriting criteria, acceptance of the risk, and like for like comparison.
Efficient claims support
Start a claim online in minutes, with support from people who understand caravans and motorhomes, helping you get back on the road without unnecessary delays.
Developed with CMCA
Developed in collaboration with CMCA, shaped by the needs of members and real-
world motorhome and caravan use.
Member focussed
From cover options like contents and lay-up to protection for real travel conditions, our policies reflect how members use their motorhomes and caravans.
Dedicated member support
Based in the CMCA office in Newcastle, NSW, our service team works closely with members to provide informed, responsive support.
Backed by specialist expertise
Supported by Australian insurance specialists with extensive experience across motorhomes, caravans, boats, and motorcycles.
Frequently Asked Questions
Have questions? You’re not alone. Our FAQs cover what fellow travellers often want to know — so you can spend less time wondering and more time wandering.
Am I covered for an Agreed value or a Market value?
All CMCA Insurance products are issued on an Agreed value basis. This locks in and protects your sum insured throughout the policy period.
Do you offer a new for old replacement cover for my brand new caravan / motorhome?
Yes, CMCA Insurance products offer 3 years new for old replacement cover for brand new Caravans/Motorhomes where you are the first registered owner and insured with CMCA insurance from new.
How do I obtain an Agreed Value?
By visiting our website (link below) or contacting our customer service team and having a discussion and coming to a mutual agreement on a value amount.
Refer to the link below for both options:
Are my contents covered under my policy?
Cover for contents for $5,000 is automatically included under the policy.
If a higher contents amount is required, please contact our customer service team by referring to the link below for contact options.
What is lay-up?
Lay-up changes the cover for Your Motorhome under the Policy, it is restricted to loss or damage occurring while Your Motorhome is within the gates, walls, or fences of Your home address as specified on Your Certificate of Insurance. You will receive a premium discount during the lay-up months (maximum discount capped at 8 months).
How do I access important documents such as CMCA Insurance’s Product Disclosure Statements, Financial Services Guide, Target Market Determinations (TMD’s) and Privacy Policy?
Our ‘Important Documents’ page via the link below will provide you with more information.
https://www.insurance.cmca.au /important-documents/
Am I covered if a friend or family member uses and operates my Motorhome?
We provide automatic cover for a member of your family to use your motorhome provided it is not used for financial gain or purposes.
Speak with our dedicated team
Based in the CMCA office, our service team understands motorhome and caravan insurance and is here to help make arranging cover easy.
This website is published by CMCA Insurance. CMCA Insurance is a business name of NM Insurance Pty Ltd ABN 34 100 633 038, AFSL 227186 (NM Insurance). NM Insurance is an underwriting agency with a binding and claims authority from Zurich Australian Insurance Limited (ZAIL) which allows it to enter into and arrange policies of insurance and handle and settle claims made under them. NM Insurance acts on behalf of ZAIL and not you when providing these services but does so under its own AFSL.
Advice on this website is general so consider whether it suits your objectives, financial situation and needs. Always consider the relevant Target Market Determination and Product Disclosure Statement before buying or renewing insurance. These can be accessed on this website.
NM Insurance complies with the General Insurance Code of Practice which is designed to raise standards of practice and service in the general insurance industry. The Code Governance Committee (CGC) is an independent body that monitors and enforces compliance with the Code. For more information about the Code or the CGC, visit www.codeofpractice.com.au.
Steadfast Group Ltd (ABN 98 073 659 677) (‘SGL’) has a majority shareholding in NM Insurance Pty Ltd (NM Insurance). SGL may receive a professional services fee (PSF) from insurers, premium funders and underwriting agencies such as NM Insurance (Partner) for access to regulatory and compliance support; marketing and communications; data insights; and access to technology platforms. The PSF is an agreed amount between SGL and the relevant Partner, usually annually. The PSF is not determined by the volume of the business that the Steadfast Network brokers place, nor is the amount of the PSF known to the Steadfast Network Brokers, so it is not able to influence recommendations to their clients.
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SGL’s FSG is available at www.steadfast.com.au or on request by telephoning SGL’s Company Secretary on +61 2 9495 6500.
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