CIL Insurance
CIL Insurance is an Australian specialist insurer underwriting annual policies for caravans, motorhomes, camper trailers, 5th wheelers, slide-on campers, and horse floats. Operating as a trading division of AAI Limited within the Suncorp Group, it distributes coverage directly to individual RV owners nationwide via phone and online channels.
- Company typePublic
- Founded1962
- HeadquartersBrisbane, Australia
- Headcount51–100
- GTM typeB2C
- OfferingServices
What CIL Insurance does
CIL Insurance is an Australian specialist insurer focused exclusively on caravans and recreational vehicles, operating as a trading division of AAI Limited within the Suncorp Group. Founded in 1962 and headquartered in Brisbane, the company underwrites and distributes annual insurance policies for six recreational vehicle categories - caravans, motorhomes, camper trailers, 5th wheelers, slide-on campers, and horse floats - plus an optional Hire Cover add-on for owners who rent their vehicles to third parties. The product portfolio shares standardized features including new-for-old replacement within two years of registration for first owners, up to $20 million legal liability coverage, emergency repair allowances, temporary accommodation benefits, and standard contents cover up to $1,000 AUD.
The company's technology stack centers on a direct-to-consumer distribution model comprising a website (cilinsurance.com.au) for online quote requests, a freecall call centre (1800 112 481) with extended sales hours, and 24/7 claims reporting. Customer-facing digital infrastructure includes the CIL Online Services portal (Claim Manager) enabling digital claim lodgement, policy document access, and excess payment, secured by Multi-Factor Authentication and 128-bit SSL encryption. The CIL Campsite content platform extends the brand beyond insurance transactions, providing destination guides, safety videos, product reviews, and caravanning lifestyle content intended to drive organic engagement.
CIL's revenue model is subscription-based, generating annual premium income from individual Australian RV owners on quote-based pricing that is not publicly disclosed. The company operates exclusively in the Australian domestic market with no international distribution and holds Australian Financial Services Licence 230859 issued to AAI Limited. The Suncorp Group affiliation provides regulatory infrastructure, financial backing, and access to a broader brand portfolio (including Suncorp Insurance, AAMI, GIO, APIA, Shannon's, Vero Insurance, Bingle, and Terri Scheer), though CIL maintains its own dedicated distribution channels and brand identity. Recent commercial activity has focused on incremental customer acquisition through co-marketing partnerships (e.g., GoWeigh) and ecosystem engagement via content marketing rather than product or geographic expansion.
CIL Insurance firmographics
Firmographics- Name
- CIL Insurance
- Legal name
- AAI Limited
- Website
- https://cilinsurance.com.au
- Company type
- Public
- Founded year
- 1962
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- CIL Insurance is an Australian specialist insurer underwriting annual policies for caravans, motorhomes, camper trailers, 5th wheelers, slide-on campers, and horse floats. Operating as a trading division of AAI Limited within the Suncorp Group, it distributes coverage directly to individual RV owners nationwide via phone and online channels.
- Ownership category
- akta.pro rank
CIL Insurance industry classification
Industry- Product category
- Recreational Vehicle Insurance
- NAICS
- Other Direct Insurance (except Life, Health, and Medical) Carriers (524128), Direct Property and Casualty Insurance Carriers (524126)
- SIC
- Insurance Carriers, Nec (6399), Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- Standard Personal Auto Insurance (Liability, Collision & Comprehensive) (FSAJAAAA)
- akta.pro secondary industry
- Travel & Accident (Non-Life) Insurance (FSAJAMAN)
Keywords
Where CIL Insurance is headquartered
LocationHeadquarters
- HQ city
- Brisbane
- HQ country
- Australia
- HQ region
- Oceania
Offices3 records
Markets served
CIL Insurance business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Insurance Premiums: CIL Insurance generates revenue through收取 caravan, motorhome, camper trailer, 5th wheeler, slide on camper, horse float, and hire cover insurance premiums. The company offers optional increased contents cover and hire use cover as additional premium products.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Standard Caravan Insurance - comprehensive coverage with included benefits |
| Subscription | Annual | Motorhome Insurance - enhanced coverage with no-fault windscreen cover |
| Subscription | Annual | Camper Trailer Insurance - comprehensive coverage |
| Subscription | Annual | 5th Wheeler Insurance - comprehensive coverage |
| Subscription | Annual | Slide On Camper Insurance - comprehensive coverage for off-road use |
| Subscription | Annual | Horse Float Insurance - accidental damage, theft, and weather coverage |
| Subscription | Annual | Hire Cover Insurance - optional add-on for hired-out caravans |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels7 records
CIL Insurance product offering
Product offeringCore offering
CIL Insurance underwrites and distributes specialized insurance products for Australian owners of caravans, motorhomes, camper trailers, 5th wheelers, slide on campers, and horse floats, with cover for accidental damage, theft, weather events, total loss replacement, and legal liability up to $20 million. Policies are issued by AAI Limited (part of the Suncorp Group) and supported by online claim lodgement, a self-service Claim Manager portal, and the CIL Campsite lifestyle content platform.
Product overview
CIL Insurance is Australia's leading specialist caravan and RV insurance provider, offering a portfolio of insurance products underwritten by AAI Limited (part of the Suncorp Group). The core product suite consists of seven named insurance products: Caravan Insurance, Motorhome Insurance, Camper Trailer Insurance, 5th Wheeler Insurance, Slide On Camper Insurance, and Horse Float Insurance — each providing comprehensive cover against weather events, accidental damage, theft, and liability. Hire Cover Insurance is offered as an optional add-on module on top of the Secure Caravan and Secure Motorhome policies, allowing owners to cover vehicles used for commercial hire. All products share common value-added features such as new-for-old replacement after total loss (within 2 years), emergency repair coverage, and liability protection up to $20 million. The company also operates CIL Campsite, a resource portal providing destination guides, safety videos, and product reviews for the caravanning community.
Differentiator
Problem solved
Functional benefit
Brands
- CIL Campsite: A resource platform for caravanning and RV enthusiasts featuring travel destinations, safety videos, product reviews, and towing advice.
- Secure Caravan Insurance
- Secure Motorhome Insurance
Products and services
- Caravan Insurance Comprehensive insurance cover for caravans protecting against accidental damage, theft, hail, storm, flood, fire, and explosion. Includes new caravan replacement after total loss for vehicles under 2 years old, temporary accommodation costs, emergency repairs, removal and storage, and up to $20 million legal liability. Available to Australian caravan owners.
- Motorhome Insurance
Quantifiable outcome
- New caravan replacement after total loss for vehicles less than 2 years old if purchased new
- +4 more outcomes
Companies that use CIL Insurance
Customer profileSegments7 records
Ideal customer profiles4 records
CIL Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
CIL Insurance partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- GoWeigh Pty LtdminorPartnership offering new CIL policyholders a free weighing service valued at $58 AUD. Customers quote 'GoWeigh' when purchasing a new caravan or RV policy to receive a promotional link for a single-use redemption code. Maximum 500 offers available during the promotion period (1 June 2026 to 13 July 2026). Code must be redeemed within 120 days of issue.
Scale indicators3 records
Recent moves5 records
Expansion highlights4 records
CIL Insurance competitors and assessment
Company assessmentDirect peers
- AAMI: AAMI is a Suncorp Group sister brand offering direct-to-consumer personal lines insurance in Australia, including motor vehicle coverage. It is directly comparable to CIL because both operate under the same parent (Suncorp/AAI Limited) using a direct phone-and-online motion, but AAMI serves a broader personal auto and home market while CIL focuses on the RV/caravan niche.
- Bingle: Bingle is a Suncorp-owned online-only car insurer competing on price and self-service. It is comparable as a direct channel personal-lines insurer under the same corporate umbrella, demonstrating the alternative go-to-market (pure digital) that CIL's online claim manager competes against within the Suncorp portfolio.
- Budget Direct: Budget Direct is an Australian direct-to-consumer insurer offering car, home and travel insurance with a strong online quote-and-bind motion. It is comparable as a digital-first competitor targeting price-sensitive Australian consumers across adjacent personal lines including vehicle cover.
- Youi: Youi is an Australian direct-to-consumer insurer known for its phone-based sales model and tailored personal lines products. It is comparable as a direct-channel competitor with overlapping car and leisure vehicle offerings and a similar call-centre-led acquisition model.
- Shannons Insurance: Shannons is a Suncorp Group specialty brand focused on enthusiast vehicle insurance (classic cars, motorcycles, modified vehicles). It is comparable as a Suncorp-owned specialty personal-lines brand targeting a specific vehicle enthusiast segment, mirroring CIL's niche-specialist positioning in a different vertical.
- APIA: APIA is another Suncorp Group direct-to-consumer personal lines brand offering car and home insurance. It is comparable as a sister brand under Suncorp using the same direct-call-centre and online model, targeting overlapping customer segments with similar motor product structures.
Broad incumbents
- NRMA Insurance: NRMA Insurance is a major Australian personal lines insurer offering car, home and leisure vehicle cover including caravan and trailer policies. It is comparable as a broad incumbent with overlapping caravan/RV product offerings, but it operates as a multi-line generalist with a much larger distribution footprint.
- Allianz Australia: Allianz Australia is a large multi-line insurer offering motor, home, and recreational vehicle cover. It is comparable as a broad incumbent in the Australian personal lines market with overlapping caravan and motorhome insurance products, but it competes across many lines rather than specialising in RV cover.
- Suncorp Insurance: Suncorp Insurance is the flagship retail brand of CIL's parent group, offering broad personal and commercial lines across Australia. It is comparable as the parent-company flagship that shares underwriting, claims infrastructure and regulatory setup with CIL, but serves a much broader market.
Regional players
- RAA Insurance: RAA Insurance is a South Australian mutual offering personal lines including car, home and caravan cover. It is comparable as a regional player with overlapping caravan and leisure vehicle products, but it is geographically concentrated in South Australia rather than operating nationally like CIL.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights7 records
Customer concentration
CIL Insurance social profiles
Digital presenceCIL Insurance compliance and trust
Trust signalCompliance2 records
CIL Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
CIL Insurance leadership team
Management profileNumber of profiles
CIL Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CIL Insurance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CIL Insurance
What does CIL Insurance do?
CIL Insurance underwrites and distributes specialized insurance products for Australian owners of caravans, motorhomes, camper trailers, 5th wheelers, slide on campers, and horse floats, with cover for accidental damage, theft, weather events, total loss replacement, and legal liability up to $20 million. Policies are issued by AAI Limited (part of the Suncorp Group) and supported by online claim lodgement, a self-service Claim Manager portal, and the CIL Campsite lifestyle content platform.
Is CIL Insurance a public or private company?
CIL Insurance is a public company. It is classified as public and is currently operating.
When was CIL Insurance founded?
CIL Insurance was founded in 1962. It employs 51 to 100 people.
Where is CIL Insurance based?
CIL Insurance is headquartered in Brisbane, Australia, in the Oceania region.
How does CIL Insurance make money?
One revenue line is on record: insurance Premiums.
Who are CIL Insurance's main competitors?
Direct peers on record are AAMI, Bingle, Budget Direct, Youi, Shannons Insurance and APIA. Broad incumbents are NRMA Insurance, Allianz Australia and Suncorp Insurance. RAA Insurance is listed as a regional player.
Does CIL Insurance have an API?
No public API is recorded for CIL Insurance.
What industry is CIL Insurance in?
CIL Insurance's product category is Recreational Vehicle Insurance. Its primary akta.pro industry code is FSAJAAAA, Standard Personal Auto Insurance (Liability, Collision & Comprehensive), with a secondary code of FSAJAMAN, Travel & Accident (Non-Life) Insurance. Its NAICS code is 524128 and its SIC code is 6399.