Caravan Insurance for Your Caravan
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A travel trailer symbolizes freedom and fun, but it also comes with risks. Damage caused by fire, theft, storms, or hail can be very costly. With good travel trailer insurance, you can avoid having to pay unexpectedly high costs. However, there are significant differences in premiums and coverage. That’s why it’s wise to compare insurance policies before you hit the road with your travel trailer.
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Insurance Requirement for Caravans
In the Netherlands, there is no mandatory insurance requirement for caravans. A caravan cannot move under its own power and is therefore not subject to the same rules as motor vehicles.
If the trailer is towed by a car, damage you cause to others is covered by your auto liability insurance. However, damage to your own trailer is not covered under this policy. The costs of such damage are often high and must be paid entirely out of pocket. That is why many trailer owners choose to take out a separate trailer insurance policy.
The Basics of Caravan Insurance
Standard RV insurance typically covers damage caused by:
Fire
Theft
Storm
Security Requirements in the Event of Theft
In the event of damage resulting from theft or an attempted theft, the trailer must meet the security requirements. This means that the trailer must be equipped with a VIP/TNO-approved wheel clamp and/or drawbar lock. Always keep the receipts for these locks so you can provide proof in the event of damage.
Hail Damage Is Increasingly Excluded
Hail damage is usually not covered as standard here. More and more insurers are offering this only as supplemental coverage, even though damage from a hailstorm can amount to thousands of euros. Given the increase in severe weather events, it’s wise to pay extra attention to this.
Choice of Coverage Levels
Using the premium comparison tool and the information in the policy terms and conditions, you can choose the RV insurance that best suits your needs and budget.
To make things clear, we offer three different packages:
Standard Coverage
Comprehensive coverage
Extended coverage
Additional coverage for hail and storm damage
With supplemental coverage, you can also insure your trailer against hail and storm damage. Since hailstorms are becoming increasingly severe, this is often a wise choice.
If you have a hail-resistant roof (commonly found on trailers built in 2005 or later, or on trailers with a polyester roof), you’ll receive a 70% discount on your premium and won’t have to pay an additional deductible for hail damage.
If your trailer does not have a hail-resistant roof, an additional deductible of €75 applies per claim. In the event of damage, the roof is often replaced with a hail-resistant one, which can significantly increase repair costs.
Additional coverage for items in the trailer
In addition to the trailer itself, you can also insure the individual items inside it. This includes anything not included as standard by the manufacturer, such as a television, dishes, or other personal belongings. These items are covered in the event of damage or theft. An excess of €75 applies to this coverage per claim.
Coverage tailored to the age of the trailer
The age of your trailer plays an important role in choosing the right insurance. There are several types of coverage available:
Travel trailers up to 5 years old – replacement cost coverage
For relatively new caravans, replacement value coverage is the most suitable option. This is comparable to comprehensive insurance. In the event of damage or theft, you will receive the replacement value of the caravan. The coverage applies to, among other things, fire, explosion, lightning strikes, storms, and hail. It also covers damage caused by collisions, skidding, overturning, or manufacturing defects. Even glass damage to the awning caused by a storm or fire is covered.
Travel trailers between 5 and 15 years old – current market value coverage
For older caravans, the current market value is usually reimbursed. This means that in the event of theft or damage, you will receive the amount the caravan is worth at that time. You are insured against fire, storms, hail, and lightning strikes. Collision damage can often be covered as a separate add-on, provided it is specified when you take out the policy.
Travel trailers older than 15 to 20 years – at your discretion
For older travel trailers, separate insurance isn’t always necessary. Damage you cause to others with the travel trailer is automatically covered under your car’s liability insurance. Damage to the travel trailer itself, however, is not covered. Because travel trailer insurance is relatively affordable, it may still be wise to purchase basic coverage, especially if you have a valuable or well-maintained travel trailer.
Differences Between Insurance Policies
A low premium may seem attractive, but it can end up being expensive if a claim is filed. Sometimes it makes more sense to pay a slightly higher premium and choose a policy with no deductible or a low deductible.
Not every insurance policy offers the same terms and conditions. Key differences include:
Coverage or No Coverage for Hail Damage
The amount of the deductible
Comparing Caravan Insurance Policies
Easily compare different caravan insurance policies and find out in just a few minutes which premium and coverage best suit your situation. To do this, you’ll answer a few questions—often off the top of your head. The comparison also takes into account the value of your accessories, such as the awning or canopy, any extensions, the contents, and the mover. This way, you can be sure that your entire caravan and everything that goes with it is properly included in the comparison.
The Green Card Abroad
Anyone traveling abroad with a trailer may have to comply with additional rules. In the Netherlands, the trailer is automatically covered under the liability insurance of the towing vehicle (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 RV or trailer weighs more than 750 kilograms and has its own license plate. Be sure to apply for it in advance to avoid problems during your trip. Read here to find out in which countries you need a green card.
Frequently Asked Questions About Caravan Insurance
Can I suspend my caravan insurance?
The premium for a caravan insurance policy is based on recreational—and therefore limited—use of the caravan. For this reason, it is not possible to suspend a caravan insurance policy.
Can I also insure my awning and mover?
Yes, all attachments and additions can be included in the insurance coverage, such as an awning, a mover, a bike rack, or a small side tent. Be sure to report their value separately when applying for the insurance.
Am I allowed to rent out my trailer?
The (stationary) trailer is insured only for recreational rentals to private individuals, for a maximum of 4 weeks. The trailer must not be registered in the name of a business.
What is the deductible for caravan insurance?
The deductible for caravan insurance averages between €0 and €250. For minor damage, such as a small dent, it’s often wiser to pay for it yourself rather than file a claim. Suppose you have a standard deductible of €200; in that case, it’s usually not worth filing a claim for minor damage.
Just like with auto insurance, you can often choose to voluntarily increase your deductible. This lowers your monthly premium. When comparing caravan insurance policies, it’s therefore important to consider the relationship between the premium and the deductible. This will help you determine whether a higher deductible is a good option for you. Keep in mind, however, that if you file a claim, you’ll have to pay a larger portion of the costs yourself.
When am I exempt from paying the deductible?
In some cases, an insurer does not charge a deductible. However, you’ll often pay a higher premium in those cases. In most cases, though, a mandatory deductible does apply. Sometimes there is no deductible for standard claims, but a separate deductible does apply for hail damage. The policy terms and conditions specify exactly whether a deductible applies and how much it is.
How is the current market value of my trailer determined?
The current market value of a trailer is primarily determined by its original list price and age. Usage and maintenance also play a role, although these are difficult to determine precisely. Various online calculators are available to estimate the current market value, but because factors such as maintenance and usage are not taken into account, these are not always entirely reliable.
Would you still like to get a good idea? Then check out used-car websites for similar caravans that are for sale.
When is a claim paid out?
Whether compensation is paid in the event of a claim depends on various factors. Always report the claim to your insurer or to us as soon as possible so that the claims process can begin immediately.
In the case of major damage, the insurer may call in an expert. This expert will assess the extent and cause of the damage. Whether you are entitled to compensation depends on your insurance coverage and how the damage occurred. The terms and conditions vary by insurer and by type of coverage. Therefore, always check your policy carefully to see when a payout will be made.
Is the damage covered by your RV insurance? If so, the compensation will be paid directly to you or to the repair shop. Keep in mind, however, that there is often a deductible. The amount varies by insurance policy and is specified in your policy.
When is a benefit not paid?
In some cases, no compensation will be paid under the RV insurance policy. This applies, for example, if you have been reckless with the RV or intentionally caused damage in order to file a fraudulent claim.
Just as with auto insurance, damage caused while 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 under caravan insurance.
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