Insurance For Trucks :: News

Share this news item!

AFCA Overrules Insurer in Camper Trailer Damage Case

The information on this website is general in nature and does not take into account your objectives, financial situation, or needs. Consider seeking personal advice from a licensed adviser before acting on any information.

The Australian Financial Complaints Authority (AFCA) has ruled that a camper trailer owner will receive coverage for water and mould damage after the insurer could not demonstrate that the wear and tear exclusions applied under the policy.

The case emerged after a storm in November 2023, which the claimant says caused severe wind to rip the cover off the camper, allowing water ingress and subsequent mould development.

Initially, the camper owner noticed no damage during usage in early November 2023, only to uncover water damage in April the following year. The insurer, RAA Insurance, asserted that the seals of the camper had deteriorated over time, thereby excluding it from coverage under clauses related to "depreciation, wear and tear, rust, corrosion," as well as "deteriorated seals and joints over a number of incidents."

The AFCA reviewed evidence from the insurer's assessor, which included images showing gaps in the seals where they did not align perfectly with the camper body. Despite these submissions, the authority found that the images and other evidence failed to incontrovertibly establish the alleged deterioration. They identified a lack of definitive indicators, such as holes or cracking, that would typically signal such decline.

In the ruling, an AFCA ombudsman remarked that, while deterioration is indeed a gradual process, the insurer did not provide persuasive evidence establishing that deterioration was the primary cause of the damage. The decision placed the burden of proof on the insurer, requiring clear information detailing the condition of the seals and how it led to the damage.

Consequently, AFCA mandated the insurer to approve the claim and arrange for repairs. Should they opt for a cash settlement, a 15% increase over the repair quotation must be paid. This decision underscores the obligation of insurers to substantiate exclusions in policy claims with compelling evidence.

Published:Monday, 9th Jun 2025
Source: Paige Estritori

Please Note: If this information affects you, seek advice from a licensed professional.

Share this news item:

Insurance News

Insuregroup's Remarkable Growth Reflects Surge in Truck Insurance Demand

16 Jan 2026: Paige Estritori

Insuregroup, a specialist insurance brokerage serving Australia's transport and logistics sector, has recently announced a significant milestone: processing over 10,000 insurance policies since its inception, with a 25% increase in policy volume over the past year. This growth underscores the escalating demand for comprehensive truck insurance solutions tailored to the unique needs of Australian freight operators. - read more

Envest Group Unveils TLI Underwriting: A New Era for Heavy Motor Fleet Insurance

16 Jan 2026: Paige Estritori

Envest Group, a prominent player in Australia's insurance sector, has announced the launch of TLI Underwriting, a new agency dedicated to providing specialised insurance solutions for heavy motor fleet operators. This strategic move aims to address the unique challenges faced by larger transport businesses in Australia. - read more

Telematics Revolutionises Australian Motor Fleet Insurance Landscape

16 Jan 2026: Paige Estritori

The Australian motor fleet insurance sector is witnessing a significant shift as more fleet operators adopt telematics technology to enhance safety measures and reduce insurance premiums. This trend is particularly evident among larger fleets, especially within the resources sector, where operational risks and compliance demands are notably high. - read more

Queensland Aligns Heavy Vehicle Compliance with National Regulator

08 Jan 2026: Paige Estritori

In a significant move towards regulatory consistency, Queensland has transferred its heavy vehicle compliance responsibilities to the National Heavy Vehicle Regulator (NHVR). This transition aligns Queensland with New South Wales, Victoria, South Australia, Tasmania, and the Australian Capital Territory, all of which have already integrated their heavy vehicle regulations under the NHVR's oversight. - read more

Envest Group Unveils TLI Underwriting for Heavy Motor Fleets

31 Dec 2025: Paige Estritori

IAG Boosts Profit Forecast Post-RACQ Insurance Acquisition

31 Dec 2025: Paige Estritori

Insurance Australia Group (IAG) has announced an upward revision of its annual profit forecast, attributing the increase to the recent acquisition of RACQ Insurance. The company now anticipates a reported insurance profit ranging between $1.55 billion and $1.75 billion for the financial year, marking a $100 million enhancement from the previous estimate. - read more

Click for more Insurance News

Truck Insurance Articles

Hidden Costs to Watch Out for When Choosing Truck Insurance

In today's fast-paced world, ensuring financial security and safeguarding your assets is paramount. This is especially true for truck owners, who not only have to manage their on-road operations but also need to adequately protect their investment. For many, truck insurance is a critical component of financial planning, but it's vital to delve deeper into the structures and costs that these policies entail. - read more

Understanding the Costs: How to Budget for Your Truck Insurance

Truck insurance is crucial for both business owners and individuals who rely on trucks for their livelihood. Trucks, whether for personal use or commercial purposes, represent a significant investment. Protecting that investment is paramount, not only to ensure continuity in business operations but also to safeguard against unexpected financial burdens. - read more

Comprehensive vs. Third Party: Which Truck Insurance is Right for You?

Truck insurance is a crucial safeguard for anyone operating commercial vehicles on Australian roads. It offers financial protection against a variety of risks that are inherent to the trucking industry. With trucks being significant assets and essential tools for many businesses, the right insurance ensures that you can continue operations without unexpected financial burdens from accidents or other incidents. - read more

Why Investing Time in Researching Truck Insurance Can Save You Money

Truck insurance is a critical concern for both business owners and individual operators within Australia. Given the significant investment that a truck represents, safeguarding this asset with appropriate insurance coverage is not just prudent, but necessary. - read more

Top Factors That Influence Truck Insurance Premiums

Truck insurance is more than just a legal requirement; it's a crucial part of securing your livelihood as a truck owner in Australia. Understanding the costs involved not only helps you budget effectively but also ensures you’re not caught off guard by unexpected expenses. By grasping what your premiums cover and what factors influence them, you can make informed decisions that align with your financial goals. - read more

Knowledgebase

No-Fault Insurance:
A type of car insurance where your insurer pays for your damages regardless of who is at fault in an accident.

This website is owned and operated by Clark Family Pty Ltd (ACN 010 281 008) as Trustee for the Clark Family Trust (ABN 35 957 893 714), 43 Larch Street Tallebudgera QLD 4228. Clark Family Pty Ltd is an Authorised Representative (AR 1298860) of Unique Group Broker Services Pty Ltd (AFSL 509434) for financial product referrals and an Authorised Credit Representative (ACR 401491) of Saccasan Pty Ltd (ACL 386297). Check our licensing details on the ASIC registers: Clark Family Pty Ltd ACR, Clark Family Pty Ltd AR, Saccasan Pty Ltd, Unique Group Broker Services.

IMPORTANT: We do not provide financial product advice or credit assistance. We act solely as an introducer and refer enquiries to licensed third-party intermediaries, insurers, and lenders - with whom you can then deal directly. We may receive a fee or commission from these third parties in consideration for the referral. Before any action is taken to obtain a product or service referred to by this website, advice should be obtained (from either the third party to whom we refer you or from another qualified intermediary) as to the appropriateness of obtaining those products having regard to your objectives, financial situation and needs. Whilst we have our own process for validating the legitimacy of our referral partners, you should always verify the credentials of your financial adviser before proceeding with recommendations that they may present. Visit the ASIC website for further information.