KT Insurance

What KT Insurance does

KT Insurance (trading as Lifestyle Insurance Group Pty Ltd) is an Australian specialist recreational vehicle insurance distributor founded in 1993 (originally as Ken Tame & Associates, rebranded to KT Insurance in 2024) and headquartered in Maroochydore, Queensland. The company distributes a single comprehensive insurance line differentiated by vehicle category — motorhomes and campervans, touring caravans, 5th wheelers, slide-on campers, and converted buses/coaches — with standardised benefits such as excess-free windscreen repair, excess-free animal collision cover, emergency repairs reimbursement up to $1,000, breakdown towing up to $1,000, and medical emergency assistance up to $10,000. Effective 1 August 2025, all policies are underwritten by QBE Insurance (Australia) Limited, with KT Insurance operating as a licensed distributor under its own AFSL (246937).

The technology stack is a standard consumer-facing digital quote and policy administration platform, with no disclosed proprietary technology, API, or developer portal. Distribution is direct-to-consumer through a phone-based sales and service operation (1300 261 261) and an online self-service quote engine, supplemented by a referral partnership with RV enthusiast organisation Club 4X4. Marketing combines blog content (technical guides, travel guides, insurance tips, RV lifestyle), Facebook and Instagram organic social, email newsletter, and promotional offers such as $100 fuel gift cards tied to new comprehensive policy purchases.

KT Insurance generates revenue through commission on insurance premiums underwritten by QBE, with policies sold on an annual subscription basis and monthly installment billing available. Pricing is quote-based, varying with vehicle type and value, driver profile, usage, storage, and selected excess ($500–$5,000). The firm holds a 4.8/5 Trustpilot rating across 4,859 reviews and is a signatory to the General Insurance Code of Practice. The company is privately held by the founder family, with no disclosed external private equity, venture capital, or parent ownership.

Name

KT Insurance

Legal name

Lifestyle Insurance Group Pty Ltd

Website

https://ktinsurance.com.au

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

1–10 employees

Short description

KT Insurance (Lifestyle Insurance Group Pty Ltd) is an Australian specialist distributor of recreational vehicle insurance, offering comprehensive cover for motorhomes, campervans, caravans, and similar vehicles, underwritten by QBE Insurance since August 2025.

Ownership category

akta.pro rank

Product category

Recreational Vehicle Insurance

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Direct Property and Casualty Insurance Carriers (524126)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Standard Personal Auto Insurance (Liability, Collision & Comprehensive) (FSAJAAAA)

akta.pro secondary industry

Personal Auto Insurance (FSAJAMAA)

Keywords

• Recreational vehicle insurance
• Motorhome insurance
• Caravan insurance
• Campervan insurance
• RV insurance specialist

Headquarters

HQ city

Maroochydore

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Premiums: KT Insurance generates revenue through insurance premiums collected from policyholders. The company acts as a distributor for QBE Insurance (Australia) Limited, earning commission on sold policies. Policies are offered on an annual subscription basis with monthly instalment payment options available.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

KT Insurance distributes comprehensive recreational vehicle (RV) insurance policies in Australia, underwritten by QBE Insurance (Australia) Limited. The company offers six vehicle-category policies — motorhomes and campervans, touring caravans, 5th wheelers, slide-on campers, and converted buses and coaches — each covering accidental damage, theft, storm, contents, windscreen, animal collision, emergency repairs, medical emergencies, and breakdown towing. Policies are sold on an annual subscription basis with monthly instalment options available.

Product overview

KT Insurance is a specialist recreational vehicle (RV) insurer operating exclusively in the Australian market, with over 30 years of experience. The company offers a unified comprehensive insurance platform with six named vehicle-category products: Motorhomes & Campervans Insurance, Touring Caravans Insurance, 5th Wheeler Insurance, Slide-On Campers Insurance, and Converted Buses & Coaches Insurance. All policies include standard benefits such as agreed-value cover, contents protection (standard $2,000, expandable via an add-on), excess-free windscreen chip repair, excess-free animal collision cover, essential emergency repairs reimbursement up to $1,000, and medical emergency assistance up to $10,000. Two supplementary add-on modules — Contents Cover and Laid-Up Cover — allow policyholders to adjust coverage limits and terms to suit their usage patterns. The overall portfolio is architecture as a single comprehensive product line differentiated by vehicle type rather than separate platform tiers.

Differentiator

Problem solved

Functional benefit

Products and services

• Motorhomes & Campervans Insurance Comprehensive insurance for motorhomes and campervans designed for Australian RV travel, including accidental damage, theft, storm cover, contents, windscreen chip repair, animal collision, emergency repairs, medical emergency assistance, and breakdown towing benefits.
• Touring Caravans Insurance Comprehensive insurance for touring caravans, covering accidental loss or damage to the vehicle, contents up to $2,000, and excess-free windscreen repair, designed for owners exploring Australian destinations.
• 5th Wheeler Insurance Comprehensive RV insurance tailored for 5th wheelers designed for the Australian lifestyle, covering the vehicle, accessories, and modifications.
• Slide-On Campers Insurance Insurance for slide-on campers and tow vehicles, allowing policyholders to add camper coverage to their existing tow vehicle arrangement.
• Converted Buses & Coaches Insurance Specialist protection for custom-built motorhome conversions, unique bus and coach builds, and non-standard RV configurations used by Australian travellers.

Quantifiable outcome

• Windscreen chip repair up to $500 excess-free per policy period
• +4 more outcomes

Named customers9 records

Segments5 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core and minor.

• QBE Insurance (Australia) LimitedcoreStrategic or Co-development Partner · 1 August 2025KT Insurance partnered with QBE Insurance as their new underwriting partner effective 1 August 2025. QBE is one of Australia's largest insurers with over 130 years of experience. This partnership provides KT Insurance with the scale, support, and stability to continue growing alongside the RV community while maintaining their specialist focus and personalised service. QBE pays Lifestyle Insurance Group Pty Ltd commission on sold policies.
• Club 4X4minorGTM or Marketing PartnerClub 4X4 is an RV enthusiast organisation that partners with KT Insurance for referral-based customer acquisition. KT Insurance is referenced on the Club 4X4 website as a recommended insurance partner.

Scale indicators3 records

Recent moves4 records

Expansion highlights5 records

Direct peers

• Shannons Insurance: Shannons is an Australian specialist insurance provider for enthusiast vehicles, including motorhomes, classic cars, and motorcycles. Like KT Insurance, it is a niche-focused distributor serving a defined enthusiast segment rather than the mass auto market.
• CIL Insurance: CIL Insurance is an Australian broker/distributor specialising in unusual and recreational vehicles, including motorhomes and caravans. It is one of the closest direct competitors to KT Insurance in the Australian RV insurance niche.

Broad incumbents

• Allianz Australia: Allianz Australia is a major multi-line insurer offering personal auto, home, and commercial products. It competes indirectly with KT Insurance through standard personal auto and trailer/caravan cover.
• AAMI: AAMI is a major Australian personal lines insurer writing auto, home, and other general insurance products. It overlaps with KT Insurance through personal auto and caravan cover but does not specialise in RV.
• Suncorp Insurance: Suncorp is one of Australia's largest general insurers, with brands including AAMI, APIA, Shannons, and Bingle. Through Shannons it directly overlaps KT's specialist RV niche, while broader Suncorp products compete on general auto cover.
• NRMA Insurance: NRMA is one of Australia's largest personal auto and general insurers. As a broad incumbent, it offers RV and caravan cover as part of a wider portfolio rather than as a specialty focus.

Emerging players

• Bingle: Bingle is an Australian online-only personal auto insurer (part of Suncorp). Its low-cost digital model competes with KT Insurance's online quote flow for price-sensitive customers, although it lacks the specialist RV product depth.
• Youi Insurance: Youi is an Australian direct-to-consumer online insurer offering personal auto, home, and caravan cover. It competes with KT Insurance on the same direct, online purchase journey, especially for younger RV owners.

Regional players

• RACQ Insurance: RACQ is the Queensland motoring club — KT Insurance's home state — and offers personal auto and caravan insurance primarily to Queensland members. Geographic overlap with KT Insurance makes it a direct competitor for the same local RV owner base.
• RACV Insurance: RACV is the Victorian motoring club offering personal auto, caravan, and trailer insurance primarily to its membership base. It serves a similar Australian consumer profile to KT Insurance but is concentrated in Victoria.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/KTInsuranceAus
• Instagraminstagram.com/kt_insurance
• LinkedInlinkedin.com/company/ktinsurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about KT Insurance