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Frequently Asked Questions
Our FAQs address common questions about caravan and motorhome insurance, helping CMCA members find clear, helpful answers.
CMCA membership and eligibility
Do I have to wait until my renewal to move across, or can I switch now?
You can switch at any time, speak to our customer service representatives to talk through your options.
How long does it take to switch—what’s the actual step-by-step process?
For most members it’s quick:
- Call the team, we are ready to help you
- We confirm a few key details (vehicle, usage, claims/history) and provide you with a quote
- If you’re happy, you can buy insurance quickly and easily over the phone or online
General questions about your insurance
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.
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:
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.
What is lay-up cover?
Optional Lay-Up Cover provides a premium discount in exchange for restrictions in cover for the months your motorhome or caravan is not in use. During lay-up, cover is restricted to loss or damage occurring while Your Caravan 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 cover and discount capped at 8 months).
How do I access important documents such as the Product Disclosure Statement, Financial Services Guide, Target Market Determinations (TMD’s) and the relevant Privacy Policy?
Our ‘Important Documents’ page via the link below provides access to these documents.
https://www.insurance.cmca.au /important-documents/
What do I do in the event I have had an accident or need to lodge a claim?
Our claims information page via the link below will provide you with more information.
Questions about caravan insurance
Is my caravan covered for transit when being transported by train, truck or ferry?
As a policy inclusion, transportation via road, rail and sea are automatically included.
Can accessories be added to my caravan?
Accessories can be added and covered under your insurance policy. Any accessories must be advised to us and will be noted on your Certificate of Insurance.
Am I covered when towing my caravan off-road?
Off-road towing for your caravan is included under all our policies. Off-road claims have no additional excess applied.
Do I have contents cover under my policy?
Cover for contents is automatically included under the policy for $5,000. If a higher contents amount is required, please contact our customer service team by referring to the link below for contact options.
Can I hire my caravan out?
Yes, if you select the hire out option and it is shown on Your Certificate of Insurance, you may hire out your caravan, please refer to the PDS for further information.
Questions about motorhome insurance
Are my contents covered under my policy?
Cover for contents for $5,000 is automatically included under the policy.
If a higher amount of contents cover is required, please contact our customer service team by referring to the link below for contact options.
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.
NM Insurance may have access to shared services from SGL, including compliance tools; procedures; manuals and training; legal; HR banking; and group purchasing arrangements. These services are funded by SGL, subsidised by SGL or SGL receives a fee for them.
SGL’s FSG is available at www.steadfast.com.au or on request by telephoning SGL’s Company Secretary on +61 2 9495 6500.
For information about interpreting services please contact the Australian Government’s Translating and Interpreting Service.