Caravan insurance for your caravan
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A caravan represents freedom and fun, but it also carries risks. Damage due to fire, theft, storms or hail can be very expensive. With a good caravan insurance you can avoid unexpectedly high costs. Yet the differences in premiums and coverages are large. It is therefore wise to compare insurance policies before you take your caravan on the road.
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Insurance requirements for caravans
Caravans are not subject to compulsory insurance in the Netherlands. A caravan cannot propel itself and is therefore not subject to the same rules as motor vehicles.
If the caravan is towed by a car, damage you cause to others is covered by the third-party motorist insurance. However, damage to your own caravan is not covered. The costs of this are often high and completely for your own account. Therefore, many caravan owners choose to take out separate caravan insurance.
The basics of caravan insurance
A standard caravan insurance policy usually covers damage due to:
Fire
Theft
Storm
Security requirements in case of theft
In the event of damage due to theft or attempted theft, the caravan must meet security requirements. This means that the caravan must be equipped with a VIP/TNO approved wheel clamp and/or tow bar lock. Always keep the purchase receipts for these locks to prove this in case of damage.
Hail damage increasingly excluded
Hail damage is usually not covered as standard. More and more insurers offer this only as additional coverage, while the damage during a hailstorm can amount to thousands of euros. Given the increase in severe weather, it is smart to pay extra attention to this.
Choice in coverage levels
Using the premium comparison and the information accompanying the policy conditions, choose the caravan insurance that best suits your needs and budget.
To make it clear, we distinguish three packages:
Standard Coverage
Comprehensive coverage
Extra comprehensive coverage
Additional coverage for hail and storm damage
With additional coverage, you can also insure your caravan against hail and storm damage. As hailstorms become increasingly severe, this is often a wise choice.
If you have a hail-resistant roof (often in caravans built in 2005 or later or caravans with a polyester roof), you will benefit from a 70% discount on the premium and you will not pay an additional deductible in the event of hail damage.
If your caravan does not have a hail-resistant roof, an additional excess of €75 per claim applies. In case of damage, the roof is often replaced with a hail-resistant roof, which can significantly increase the repair costs.
Additional coverage for items in the caravan
In addition to the caravan itself, you can also co-insure the loose belongings in the caravan. This includes anything not supplied by the manufacturer as standard, such as a television, dishes or other personal belongings. These are insured in case of damage or theft. This coverage is subject to an excess of €75 per claim.
Coverage matched to the age of the caravan
The age of your caravan plays an important role in choosing the right insurance. There are different types of coverage available:
Caravans up to 5 years old - new value coverage
For relatively new caravans, new-value coverage is most appropriate. This is similar to all-risk insurance. In the event of damage or theft, you will receive the new-for-old value of the caravan. The coverage applies, among other things, to fire, explosion, lightning, storm and hail. It also covers damage caused by collision, skidding, overturning or inherent vice. Even glass damage to the awning by storm or fire is covered.
Caravans 5 to 15 years old - daily value coverage
For somewhat older caravans, the daily value is usually reimbursed. This means that in case of theft or damage, you will receive the amount that the caravan is worth at that time. You are insured for fire, storm, hail and lightning. Collision damage can often be insured separately, provided it is specified at the time of purchase.
Caravans older than 15 to 20 years - own consideration
For older caravans, separate insurance is not always necessary. Damage you cause to others with the caravan is automatically covered through the car's third-party liability insurance. Damage to the caravan itself is not. Because caravan insurance is relatively inexpensive, it may still be wise to take out basic insurance, especially with a valuable or well-maintained caravan.
Differences between insurances
A low premium may seem attractive, but it can be expensive if damage occurs. Sometimes it is wiser to pay a little more premium and choose insurance without or with a low deductible.
Not every insurance policy offers the same terms and conditions. Important differences include:
Hail damage coverage or not
The amount of the deductible
We pick out the fine print for you
"Comparing caravan insurance almost always pays off. Premiums may have increased or your personal situation may have changed. That's why we recommend comparing your caravan insurance every year."
Laura - Expert Insurance
Expert insurance for years
Comparing caravan insurance policies
Easily compare different caravan insurance policies and find out within minutes which premium and coverage best suits your situation. To do this, you answer a number of questions, often right off the top of your head. We also look at the value of your accessories, such as the awning, any extension, the contents and the mover. This way you can be sure that your complete caravan and everything that goes with it is included in the comparison.
The green card abroad
Anyone traveling abroad with a caravan may have to deal with additional rules. In the Netherlands, the caravan is automatically co-insured on the towing vehicle's third-party insurance ( indicated by the code AF on the green card).
However, in countries such as Germany, Poland and Spain, a separate green card is required if your caravan or trailer exceeds 750 pounds and has its own license plate. Apply for it early to avoid problems during your trip. Read here in which countries you need a green card.
Frequently asked questions about caravan insurance
Can I suspend caravan insurance?
The rate of caravan insurance is based on the recreational, i.e. limited use of the caravan. Therefore, it is not possible to suspend caravan insurance.
Are my awning and mover also insurable?
Yes, all attachments and extensions can be insured, such as an awning, mover, bicycle rack or extra tent. Please state the value of these separately when applying for the insurance.
Is rental of my caravan allowed?
The (stationary) caravan is only insured when rented recreationally to individuals, for a maximum of 4 weeks. The caravan may not be registered in the name of a company.
What is the deductible with caravan insurance?
The deductible with caravan insurance is on average between €0 and €250. For a small damage, such as a dent, it is often wiser to pay for it yourself rather than file a claim. Suppose you have a standard deductible of € 200, then it usually doesn't pay to claim a small damage.
As with car insurance, you can often choose to voluntarily increase the deductible. This lowers your monthly premium. When comparing caravan insurance, it is therefore important to pay attention to the relationship between premium and deductible. In this way you can determine whether a higher deductible is attractive to you. Keep in mind that in case of damage, you will have to pay a larger portion yourself.
When do I not pay a deductible?
In some cases, an insurer does not apply a deductible. Often you will pay a higher premium. Usually, however, there is a mandatory deductible. Sometimes there is no deductible for standard damage, but there is a separate amount for hail damage. In the policy conditions you will find exactly whether a deductible applies and how high it is.
How is the daily value of my caravan determined?
The current market value of a caravan is determined primarily by its original catalog value and age. Use and maintenance also play a role, although these are difficult to determine exactly. Several calculation tools are available online to calculate the current market value, but because factors such as maintenance and use are not included, they are not always completely reliable.
Still want to get a good idea? Then check used caravans sites for similar caravans for sale.
When is damage paid out?
Whether compensation is paid in the event of a claim depends on several factors. Always report the damage as soon as possible to your insurer or to us, so that the settlement can be initiated immediately.
For larger damages, the insurer may call in an adjuster. This assesses the extent and cause of the damage. Whether you are entitled to compensation depends on your insurance coverage and how the damage occurred. The conditions differ per insurer and per type of coverage. Therefore, always check your policy carefully to see when a payment will be made.
Is the damage covered by your caravan insurance policy? Then the compensation will be paid directly to you or the damage repairer. Keep in mind that there is often a deductible. The amount differs per insurance policy and is listed in your policy.
When will compensation not be paid?
In some cases, no compensation will be paid on caravan insurance. This applies, for example, if you handled the caravan recklessly or intentionally caused damage to make a wrongful claim.
As with car insurance, damage caused under the influence of alcohol or drugs is excluded from coverage. Damage caused by wear and tear, scratches or poor maintenance is also not covered by caravan insurance.
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