Only $200, you've done well.

Re (With insurance it isn't always the cheapest premium that matters it is the obtaining of the right coverage)

Agree, and Paying up when the need arises.

We are into our Insurer for $13,500 after the side of our caravan had to be re-skinned. So I will accept reasonable increases in premiums.

Have an American ex workmate in the US, he is quite well off and self insures for a number of reasons......

I would only self insure, If I was in a similar situation (which I am Not)

Insure stuff that you cannot afford to lose.
If you can increase the claim excess, it may reduce the premium substantially, while still providing protection for the proportion that you cannot afford to lose.
Cheers,
Peter

"lets go caravan insurance" is backed by Zuric insurance but sold through and agent acting for them as NM insurance P/L 

 so not sure if NM insurance is legit or not. download the PDF and that all reads OK but hesitant about trusting them. Might revisit NRMA and try reducing amounts on value and increasing excess

Be careful, apparently if you change to a new company, you will get a great rate, but the next years they will hike up their price. So back to where you began, unless you change each year

No they didnt. From 1 August 2025, KT will be teaming up with a new underwriting partner - QBE Insurance Australia Limited (ABN 78 003 191 035) (AFSL 239545) (QBE). The same commitment to protect and inspire adventurers like you to explore with confidence. With the strength and scale of QBE behind KT - one of Australia's largest insurers - KT is set up to keep growing and supporting your adventures for years to come. QBE have offered to insure you after expiry of your current policy. Attached is your offer of insurance from QBE.