Caravans and trailers are classified as two different kinds of vehicles. According to South African regulations, a caravan is a mobile trailer that is fitted with living accommodations and weighs less than 3.5 tonnes. That means that any mobile living space that’s attached to a frame with wheels below this weight will be classified as a caravan and can be covered by a caravan insurance company. 

On the other hand, a trailer is an unpowered vehicle designed or adapted to be towed by a motor vehicle. Unlike caravans, which serve as homes on wheels, trailers are designed only to carry goods and require special trailer insurance in South Africa.

No. 1st for Women Trailer and Caravan Insurance does not include cover for the valuables you stored inside. However, you can cover this content through our Caravan Loose Contents Insurance and Portable Possessions Insurance. These policies will cover your possession for theft, loss, accidental damage, and damage caused by acts of nature.

You will not be covered f you are driving without a valid driver’s licence or with an endorsed or invalid licence. The same can be said if you’re found to be under the influence of drugs or alcohol while behind the wheel.

And, if your trailer or caravan is not roadworthy or if you are transporting loads that exceed their registered capacity, your trailer or caravan insurance claim will be rejected.

While you are covered anywhere in South Africa, Botswana, Lesotho, Malawi, Mozambique, Namibia, Swaziland and Zimbabwe, we won’t pay out for damage you might cause to third parties or their property if you’re beyond the borders of South Africa. 

No, it’s not compulsory to have trailer or caravan insurance in South Africa However, First for Women Insurance highly recommends protecting your assets against the risk of damage or loss, which could amount to costly repair or replacement. Rather have peace of mind that you’re covered with insurance for a caravan or trailer. 

No. Wear and tear on your caravan and trailer is inevitable with ageing. 1st For Women does not include cover for loss and damage that results from general deterioration

This wear and tear includes any degradation that was not sudden or unforeseen. So if you haven’t maintained your trailer or used it for a purpose other than what it was built for and it breaks, you won’t be covered. We also can’t cover damage caused due to rust, defective lubrication or a lack of oil. Mechanical, electrical and electronic defects or failures aren’t covered either. Nor are parts with a limited life span.