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RMS Insurance powered by XCover

Stress-free protection 
for your Annuals and Weekenders 

Managing insurance certificates for your Annuals and Weekenders just got a whole lot easier and more secure with RMS Insurance. You can now activate, manage & and renew all your tenant insurance - with upgrades, price beats and more - all from an easy-to-use dashboard on RMS, thanks to our partners, XCover. 

Insurance certificates are a critical component of ensuring your Annual and Weekender tenants are both safe and compliant with state laws. Now, managing their insurance is simple.  

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Do you feel like you've spent countless hours collecting, managing and stressing about insurance for your annuals and weekenders? You're not alone. It's a well-known struggle for holiday parks across Australia, with the process often dubbed a "useless nightmare."

It might feel that way, but ensuring each annual at your property is properly covered is a critical part of operating and protecting your park.

After nearly four decades of working directly with Australian park operators to make their days easier, we'd like to introduce you to your new best friend: RMS Insurance.

Here to make your insurance woes a thing of the past, RMS Insurance is your one-stop-shop for all things annual insurance. RMS Insurance is a FREE and simple solution to managing insurance policies and certificates for your annuals – and it's available right now, inside RMS 9+. 

Whether that's keeping track of which policies renew and when, or making sure everyone's paid up to date, RMS Insurance takes care of it all for you. If you'd prefer to relax knowing that every annual is covered by a policy tailored to their needs, we've got you covered.

With $20 million in public liability cover included with every RMS Insurance policy, it helps to ensure everyone visiting your park is protected, no matter the situation – all while lessening the burden on your own park-wide policy.

Streamline your operations and take one more thing off your to-do list right now – all by flipping a switch inside the same software you use each and every day to manage every other aspect of your park. If you're ready for peace of mind and year-round protection, don't wait a minute longer – activate RMS Insurance now.

RMS Insurance is an end-to-end solution for park owners to manage all the insurance needs for your Weekenders and Annuals. Alongside comprehensive, competitive coverage that’s tailored to their needs, the RMS Insurance dashboard provides a digital webpage for park operators to: 

  • Activate insurance policies for all your Annuals and Weekenders 
  • Give them a policy that’s not only competitive but also includes up to 60 days of free coverage (the sooner they pay you, the more days they get!)  
  • Collect their yearly insurance premiums 
  • You won’t be charged for policies that you don’t collect a premium for 
  • View up-to-date certificates of insurance and their individual policy wordings 
  • Cancel and refund their policy when they leave the park 
  • Make changes to their policy 
  • Upgrade their policies for higher property and contents coverage 
  • Request quotes to beat any price  
  • Handle any insurance-related questions (our friendly support team is always available too). 
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Why RMS Insurance?

Full Control for Park Operators 
You’re across the mandatory liability and other insurance needs of your Annuals and Weekenders - with access to certificates of insurance and policy wording at any time. 

One-Click Coverage for Annuals and Weekenders 
Enable their protection with the click of a button! 

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Taking the hassle out of insurance 

RMS Insurance is an end-to-end solution for park owners to manage all the insurance needs for your Weekenders and Annuals.

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Get full control of the liability and property insurance for your Annuals and Weekenders, lessening the burden on your own park insurance.

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Each Annual and Weekender will be covered for liability and damage to their caravans, annexes, and contents, including for natural disasters like fire, floods, and storms.

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Liability protection kicks in if a guest is injured in their caravan and for third-party injuries caused by their guest, while accidental damage to the caravan or annex and theft of contents is also covered.

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RMS Insurance also gives you easy access to your Annual certificates so you know who’s covered and who’s not. 
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Ready for easy Annual insurance?

Our Australian parks & RMS Insurance experts are here to help you hit the ground running – In just 15 minutes, we'll have you set up with everything you need to know to get the most from RMS Insurance and keep your park protected.

Who is XCover? 

XCover is owned by Cover Genius which was recently recognised by the Financial Times as the fastest-growing company in Australia. Cover Genius has also been recognised by Austrade as NSW Exporter of the Year and its policies are backed by some of the world's largest insurance companies including Lloyd’s and Swiss Re. 

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Your annuals will love RMS Insurance too

RMS Insurance gives your Annuals access to comprehensive protection for their caravan and contents.
It also covers their mandatory liability requirements and protects their property and annexes from natural disasters.

  • Any price will be beaten
  • Up to 60 days of free protection
  • Liability for third-party damages or injuries
  • Theft, vandalism, or damage to caravan/annexe or contents
Our platform is trusted by Australia's favourite Holiday Parks

Everything you need to know

How to enable RMS Insurance?

You can turn on RMS Insurance for your Annuals at any time. Simply log in to your RMS account and follow the on-screen steps. Once you’ve enabled RMS Insurance, you can update the protection details of your Annuals with the click of a button. 

 

How does RMS Insurance work?

RMS Insurance gives you full control of insurance for your Annuals. You can opt-in all or individual Annuals for RMS Insurance at any time and gain easy access to their certificates of insurance, so you know they’re covered. RMS Insurance can be added to your  RMS Dashboard by following our step-by-step guide and you can update the protection of your Annuals with the click of a button.  

You are the point-of-contact for your Annuals for their protection. Once they pay their premium to you, you’ll then be invoiced by RMS for the coverage. Once you opt-in an Annual or set of Annuals, they’ll be emailed their certificate, a confirmation email and invoice and will be directed to pay their premiums directly to you.  

 You can modify or cancel your Annual protection using your RMS Dashboard at any time. If your Annual needs to make a claim, they will contact our insurance partner XCover directly. 

What are the key selling points of RMS Insurance for my Annuals?

RMS Insurance not only makes it easier for you to keep track of your Annual protection, but it also offers multiple benefits to your Annuals. 

  • Up to 60 days of free protection (the sooner they pay you, the more free days they’ll get!) 
  • Liability for third-party damages or injuries. 
  • Accidental caravan and/or annex damages. 
  • Theft, vandalism, or damage to caravan/annex contents. 
  • Natural disaster protection includes floods, fire, hail, and storms. 

 Your Annuals can also log in to their XCover.com Account to view their specific policy wording to find out more about their coverage. 

How do I opt my Annuals into RMS Insurance?

To opt your Annuals into RMS Insurance, simply login to your RMS Cloud account. Once logged in, you will be prompted to follow our step-by-step guide to activate. RMS Insurance can be found under the Reservations heading in the sidebar of your dashboard. Once you click RMS Insurance, you’ll be taken to your RMS Insurance Dashboard. On your RMS Insurance Dashboard, you will see a check box next to each Annual. Tick the check box, and click on the enable button on the top menu for your Annual to be opted-in to RMS Insurance. When you opt for an Annual or group of Annuals into RMS Insurance, you’ll be shown details about the protection and premium payments. You will also see a table of protection benefits that outlines what your Annual will be covered for. 

How does RMS Insurance premium payment work?

Once you opt-in an Annual or set of Annuals, they’ll be emailed their certificate, a confirmation email, and invoice and will be directed to pay their premiums directly to you. You take payment for the coverage and, create a receipt against their record on the RMS Insurance Dashboard. You’ll be invoiced by RMS Cloud within your next monthly cycle. If you don’t collect your premium payment within the first 60 days, the policy will automatically be canceled and you won’t be charged.  

How do I access my Annual certificates?

To access your Annual certificates, simply login to your RMS Cloud account. Once logged in, find the RMS Insurance tab under the Reservations heading in the sidebar of your dashboard. Once you click RMS Insurance, you’ll be taken to your RMS Insurance Dashboard which shows you each of your Annuals, their levels of protection, and their insurance certificate, alongside other key information. 

My Annual wants to price beat, how can I help?

If your Annual has found a better quote for a similar level of protection, you can apply to XCover for a price beat on their behalf.  

Simply email support@xcover.com with your Annual XCover reference number, which is available in your RMS Insurance Dashboard and ends with “INS”. In the email, include the other quote or invoice from an insurer, and XCover will beat the price and update the Annuals coverage in RMS Insurance. You will then take premium payment from your Annual or issue a refund if they’ve already paid. 

How do I make modifications or changes to RMS Insurance for my Annuals?

To make changes or modifications to your Annual protection, simply log in to your RMS Cloud account. Once logged in, find the RMS Insurance tab under the Reservations heading in the sidebar of your dashboard. Once you click RMS Insurance, you’ll be taken to your RMS Insurance Dashboard. From here you can make changes to the coverage amount for caravans and annexes and contents. You can also make changes to personal information, check premium pricing and coverage dates, and view policy documents. 

How do I opt my Annuals out of RMS Insurance?

To opt your Annuals out of RMS Insurance, simply login to your RMS Cloud account. Once logged in, find the RMS Insurance tab under the Reservations heading in the sidebar of your dashboard. Once you click RMS Insurance, you’ll be taken to your RMS Insurance Dashboard. From here, you will see a check box next to each Annual, simply tick the box and click disable on the top menu and your Annual will be opted out of RMS Insurance. You’ll be given an opportunity to price beat from here, by emailing support@xcover.com with the Annual reference number (which always ends in “INS”) as well as the details of their quote. You’ll also be given instructions on the amount you need to refund your Annual based on the premium they’ve paid so far. 

My Annual has an insurance claim, what should they do?

If your Annual needs to make a claim, they should first login to their XCover Account. When they opt-in to RMS Insurance they’ll be sent details on how to set this up. Once they’re logged in to their XCover Account, they can then submit a claim using our hassle-free online claims service.  

My Annual has questions about their protection, how can I help?

XCover has put together a Help Centre for Annuals to answer their questions directly. You can share the Help Centre with your Annuals so they can find out more. 

Who are XCover?

XCover.com is owned by Cover Genius who was recently recognised by the Financial Times as the fastest growing company in the region. Cover Genius has won several EU and UK awards with recognition from leading UK publications Insurance Post and Insurance Times. XCover's policies are backed by some of the world's largest insurance companies including Lloyd’s, Chubb and Munich Re.

Read the RMS Insurance T&C's
RMS INSURANCE Powered by XCOVER
Legal Disclaimer

RMS Insurance for Caravan insurance is provided to you by Cover Genius Pty Ltd (“XCover”).  

RMS technology will seamlessly connect you to the XCover platform that will provide pricing for insurance policies, issue the policy certificate and all associated terms and conditions relating to the policy for the benefit of the policy holder.  

All matters relating to a policy are to be directed to XCover who are the sole point of contact for Customer Service for policy holders and the Park owner.  

XCover Customer Service can be found at https://www.xcover.com/en/help 

RMS technology provides the connectivity between XCover and the Park owner and facilitates the collection of premiums paid to the Park owner from the policy holder that are due to XCover and the payment of any premium refunds due from XCover.  

RMS is not a party to the issuing of any insurance policy, the policy certificate or any of the terms and conditions applicable to an insurance policy issued by XCover under the RMS Insurance connectivity module.    

Nothing in the use of the RMS Insurance module shall be deemed to constitute a partnership or principal-agent relationship between the RMS and XCover, the Park owner or the policy holder nor otherwise entitle any party to bind RMS for any purpose.  

RMS bears no responsibility or liability to either the Park owner, the policy holder or any third parties in regard to any premiums paid, claims, loss, damages and any expense that arises out of, in the course of, on in connection with any policy offered, provided or failure to be provided by XCover or any insured event.  RMS sole role is as technology facilitator to enable XCover, the Park owner and the policy holder to achieve desired insurance outcomes.  

RMS makes no representations as to the fitness for purpose of any policy offered or issued by XCover, this is entirely a matter between XCover and the policy holder.  

In using the RMS Insurance module you are authorising RMS to transfer personal data to XCover for the purpose of pricing and issuing an insurance policies to a policy holder and you warrant that you have all necessary consents from the policy holder.

View the full PDS for the product here.