Insurance for the 4WD & Caravan: What We Chose for Our Outback Adventures

When you're chasing awe across Australia, preparation is everything—and insurance is one of the most important pieces of the puzzle. Whether you’re heading off for a weekend getaway or a months-long expedition into the red centre, the reality is things can (and do) go wrong on the road. Breakdowns, accidents, weather events, and recovery costs can quickly derail your plans—and your budget—if you’re not properly covered. That’s why we’ve taken the time to carefully select the insurance and roadside assistance that best suits the needs of a fully loaded 4WD and caravan setup built for outback travel.

After careful research, we settled on Club 4x4 Insurance for our Land Cruiser and caravan, and RACQ Ultra Roadside Assistance for on-the-road support. Here's why.

When getting off the beaten track, into remote areas - the right insurance is vital.

Club 4x4 Insurance?

When it comes to insuring a 4WD and caravan that are properly kitted out for remote travel, not all insurers are created equal. We chose Club 4x4 because they actually understand what touring and off-roading involves—and they cover the gear and modifications that come with it.

Key Benefits of Club 4x4:

• Covers All Mods & Accessories: From upgraded suspension and bull bars to rooftop tents, lithium batteries and solar, Club 4x4 allows you to list your modifications and accessories so they're insured properly—not just treated as optional extras.

• Off-Road & Remote Coverage: You're covered wherever you're legally allowed to drive in Australia—including off the beaten track. This is essential when heading into areas like the Plenty Highway, the Simpson Desert or Cape York.

• Emergency Recovery Costs: In the event of a breakdown or accident in a remote location, Club 4x4 includes coverage for recovery and towing, which can run into the thousands if you're hundreds of kilometres from help.

• Optional Off-Road Recovery Cover: We also opted for their Off-Road Recovery Cover, which kicks in even when there’s no accident—like if you’re simply bogged or stuck and need a recovery crew.

They also offer agreed value policies, so you know exactly what your vehicle and caravan are insured for—no nasty surprises at claim time.

To Uluru / Kings Canyon & Palm Valley, via the Plenty Highway - the right insurance for such a trek is vital.

Why We Picked RACQ Ultra Roadside Assistance

We all know how critical roadside assistance is, especially when towing a caravan. After comparing the major players, we chose RACQ Ultra because it offered the most comprehensive coverage for both the 4WD and caravan, whether you're on the blacktop or bush track.

Highlights of RACQ Ultra:

• Covers Both Towing Vehicle and Caravan: Many roadside assist policies limit their service to just the car—RACQ Ultra covers both, which is a huge plus when you're towing.

• On & Off-Road Coverage: You're covered even off-road, as long as you're on a gazetted track—perfect for national parks, outback routes and the lesser-travelled roads we love.

• Long Distance & Remote Recovery: RACQ Ultra offers long towing distances (up to 100km in many cases) and accommodation or transport assistance if you're stuck far from home.

• Unlimited Call-Outs: No limit on the number of call-outs per year—ideal peace of mind for full-time travellers or those doing long-distance touring.

Final Thoughts

Heading into the outback isn’t something we take lightly. We’ve invested in our rig, spent hours planning routes, and made sure everything is up to scratch. Choosing Club 4x4 for our insurance and RACQ Ultra for our roadside backup gives us confidence that if something does go wrong, we’re covered.

Whether you're chasing red dirt tracks, wide open skies or those once-in-a-lifetime remote sunsets—get the right insurance sorted before you go. It’s just another part of the Awe Seeker way: prepared, protected, and ready for adventure.