KT Insurance

KT Insurance: motorhome and recreational vehicle insurance in Australia

KT Insurance is an Australian insurer that presents itself as a specialist in recreational vehicle insurance, with more than three decades of activity in the sector. Its offering focuses on motorhomes, campervans, caravans, fifth wheelers, slide-on campers and converted buses or coaches. The company markets comprehensive policies designed specifically for the travelling lifestyle and offers free, no-obligation quotes.

Cover included in all policies

The insurer details a series of benefits that apply as standard to its comprehensive policies:

• Cover for accidental damage to or loss of the recreational vehicle, its accessories, fittings, annexe, awning and modifications.
• Excess-free windscreen chip repair: if the glass can be legally repaired, one repair per policy period is covered excess-free, up to $500, and a fixed $200 excess applies for windscreen or glass replacement.
• Reimbursement of up to $1,000 for emergency repairs necessary to tow the vehicle to its intended destination or to a place of safety after a covered incident.
• Excess-free animal collision cover: one claim per policy period for damage caused by the accidental impact of an animal.
• Cover for vehicle contents with a standard maximum of $2,000 for accidental loss, theft or damage, which can be increased through an optional benefit.

Breakdown and medical emergency assistance

KT Insurance includes specific benefits for unexpected events on the road. In the event of a mechanical or electrical breakdown, the policy covers up to $1,000 per policy period in excess-free towing for emergency transport to the nearest repairer or place of safety, limited to $600 per incident. This benefit can be used in addition to roadside assistance.

Medical emergency assistance cover provides up to $10,000 for the urgent transport of the policyholder, their family, the recreational vehicle and even the pet, in the event of a medical emergency. This is an excess-free benefit that does not affect the no-claims bonus.

Products by vehicle type

The company structures its offering according to the recreational vehicle:

• Motorhome and campervan insurance, designed for the unexpected events of life on the road.
• Comprehensive caravan insurance, aimed at those exploring new destinations.
• Cover for slide-on campers, for vehicles with an attached module.
• Specialised protection for converted buses and coaches, including unique builds and custom configurations.
• Comprehensive fifth wheeler insurance, adapted to the Australian lifestyle.

Flexibility and policy adjustments

The insurer offers a laid-up cover option for owners who do not use their recreational vehicle all year round, adapting to changes in personal circumstances. It also allows adjustments during the policy period, such as adding optional extras or changing the insured value of the motorhome. According to the information published, all regular drivers — those who drive the vehicle more than twice a month — must be listed on the policy.

Frequently asked questions about cover

KT Insurance clarifies on its website that, to drive on public roads in Australia, a campervan must be registered and covered by compulsory third-party (CTP) insurance. The company notes that campervans and motorhomes are not automatically covered by all car insurance policies, so the vehicle must be accepted by the insurer and specifically listed on the policy. The insurer offers its specialist comprehensive recreational vehicle insurance for vehicles such as motorhomes, campervans and caravans.

Customer reviews

The website shows a rating of 4.8 out of 5 based on 5,345 reviews, with comments highlighting phone service, speed in handling claims, ease of obtaining online quotes and value for money. Some customers mention the response in remote areas of Queensland and the constant communication during the claims process.