Caravan insurance for your caravan

If you buy a caravan, you are not obliged to take out caravan insurance. In the Netherlands, insurance is mandatory for motor vehicles but a caravan cannot propel itself.

Are you towing the caravan with your car? Then you are automatically insured with your WA car insurance. This means that if you cause damage to another person with your caravan, it will be compensated by your car insurance company.

Nevertheless, it may be wise to take out separate caravan insurance. Damage to your own caravan is not insured, those costs are for your own account. The repair costs for damage to a caravan can be considerable.

In principle, when you take out car insurance, you always receive a green card, which counts as an international certificate of insurance. When you take your caravan on vacation abroad, you may need an additional green card for your caravan. Read more about this>>

The rate of caravan insurance already takes into account the recreational (limited) use of a caravan. As a result, caravan insurance cannot be suspended.

Yes, all attachments and extensions can be insured. You must declare the value of these separately when applying for the insurance.

Do you also want to insure your caravan in case of hail or storm? With this coverage you can insure yourself for this. You will then receive compensation for the damage. And do you have a hail-resistant roof? Then you get a 70% discount on your premium for this coverage. You also have no extra deductible for hail damage. If you don't have a hail-resistant roof, you have an extra deductible of €75.

Do you have your belongings in the caravan properly insured? You can do that with this coverage. With this you insure all belongings that are not supplied by the manufacturer. Such as the television or dishes. These are then insured in case of damage or theft. For each damage you have an excess of € 75.

The (stationary) caravan is insured only during recreational rental to individuals. This is allowed for a maximum of 4 weeks. The caravan may not be in the name of a company.

On average, the deductible is between €0 and €250. When you have a small damage to your caravan, you may wonder whether it is wise to claim it with the caravan insurance company. In the case of a small dent, it may be wiser to pay for it yourself than to claim it with your insurer. For example, if you have a standard deductible of €200 in the case of a small dent, it often pays more to pay for this damage yourself and leave the deductible intact.

As with car insurance, in most cases it is possible to voluntarily increase the deductible. You then pay less premium per month. When comparing caravan insurance policies, you should pay attention to the amount of the deductible compared to the premium per month. This way you can calculate whether it is interesting to increase the deductible. Of course, it still remains a risk, since you never know in advance if damage will occur to your caravan.

Do you increase the deductible? Then it also means that in case of damage, you have to pay a higher amount yourself.

In a few cases it happens that an insurer does not apply a deductible. Often you will then pay a higher premium for caravan insurance. However, in most cases insurers will still have a compulsory excess. It is also possible that for standard damage there is no excess, but for hail damage there is a separate excess. In the policy conditions you can find if there is a deductible and how high it is.

The most important factors in determining the daily value are the catalog value and the age of the caravan. Use and maintenance of the caravan also play an important role, although these are difficult to measure. There are a number of calculation tools on the Internet that would allow you to calculate the daily value of your caravan, but these do not include maintenance and use, so they are not accurate.

To still get an idea of the current market value of your caravan, you can look at used-caravan sites that offer comparable caravans.

If you cause damage to others with your caravan, this is covered by your third-party vehicle insurance. Damage to your caravan caused by fire, explosion, self-ignition or storm and hail is not covered. For this you need a separate caravan insurance.

For new caravans (up to about 5 years old) you can take out caravan insurance with new value coverage, you can think of this as All-risk insurance for caravans. For caravans between about 5-15 years old you can take out a daily value coverage. In such a case you are insured up to the amount your caravan is worth at that time.

When compensation is paid in the event of a claim depends on a number of factors. First, it is important that you report the damage as soon as possible to the insurer or to us. That way, the damage settlement can be set in motion quickly.

For costly damages, the insurer may use a claims adjuster. This expert can estimate the extent of the damage. This expert will also look at how the damage occurred. Whether the damage is paid out depends on how you are insured for the damage and how the damage occurred. The differences between insurers are large and can also be different for each coverage. Therefore, always check your policy conditions to see how you are insured and in which cases compensation will be paid.

Is the damage caused insured on the caravan insurance policy? Then the compensation is paid directly to you or to the damage repairer. You usually have to take into account an excess. You have to pay this yourself. Whether you have a deductible and how much it is depends on the insurance policy. You can find this on your caravan insurance policy.

When will compensation not be paid?

In some cases, no compensation will be paid on caravan insurance. For example, if it turns out that you handled your caravan recklessly. Or if you intentionally caused damage to the caravan in order to falsely claim compensation.

Moreover, as with car insurance, damage that occurs under the influence of drink or drugs is not covered. Damage caused by wear and tear, scratches or poor maintenance are also not covered by caravan insurance. In these cases, no compensation will be paid.