Caravan insurance
You may not realise it, but did you know that the premium differences in caravan insurance are large? This also applies to the differences in coverage. Is your caravan already insured and do you want to know if you are insured well and cheap? Compare your caravan insurance and be surprised about the savings and wide coverage with some insurers.
Often owners only find out when their caravan is damaged that it is not properly insured. Unfortunately, this is too late. You would do well to take action before you suffer any damage. We are happy to explain the differences between insurances.
What cover does your caravan insurance offer?
A caravan insurance offers standard coverage against fire and theft. Often the insurer will also pay out for storm damage. Hail damage is a completely different story. The weather is becoming more and more severe. That means more frequent storms and heavy rainfall. Many caravan owners are convinced that their caravan insurance will also cover them for hail damage. This may indeed be the case, but with more and more insurers this is optional. The damage caused by hailstorms can run into thousands of euros. It is therefore advisable to choose a good caravan insurance.
What to look out for when buying caravan insurance?
Especially policyholders who have been with the same insurer for years can save a lot of money by switching. You can also be over- or underinsured in your current caravan insurance. For instance, you might have insured an awning that you no longer use or you may have recently bought a mover for moving your caravan without insuring it. Therefore it is important to check your caravan insurance on a regular basis.
How do I compare my caravan insurance?
Comparing caravan insurance is easy. On Alpina.nl answer a few questions and within minutes you will see what you can save. These are generally questions that can be answered off the top of your head. To avoid overlooking anything, we also ask you about the value of the:
- Awning
- Possible extension
- Contents
- Mover
What is the best caravan insurance?
We then provide you with an overview of the premiums that insurers charge. We distinguish between:
- Standard coverage
- Comprehensive coverage
- Extra comprehensive cover
We do this to simplify the choice. Under the button "info" you will find more information about the coverage in the policy. This way you can select the cheapest caravan insurance with the coverage that suits your caravan best. Of course you want the widest possible cover, but the premium has to be reasonable.
Hail damage co-insurance and the amount of the deductible
These are important points where caravan insurance policies differ. That is why we give these differences, next to the premiums, a prominent place in the comparison. Including or excluding hail damage insurance makes a big difference. This also applies to the height of the excess. It is better to pay € 10 per year more for a caravan insurance without excess, than to pay € 150 risk in case of damage. In practice, the cheapest insurers often offer the best coverage in comparison.
Separate green card for a trailer
Are you going abroad with a trailer or caravan? Then you may have to apply for a second green card for your trailer or caravan. In the Netherlands, trailers and caravans are (co-)insured on the WA insurance of the towing vehicle. On your green card the code AF is mentioned. Are you going to Germany, Poland or Spain with a trailer or caravan? Then you need a second green card if your trailer or caravan is heavier than 750 kg. These heavy trailers or caravans have their own registration number. Therefore, in these countries you need a second green card with the trailer's or caravan's licence plate. If you need a separate green card for your trailer or caravan, we advise you to apply for a (separate) green card early. Click here for the 8 things you need to know about a green card.
Frequently asked questions about caravan insurance
In the Netherlands, insurance is compulsory for motor vehicles, but a caravan cannot propel itself. Therefore, there is no insurance obligation for a caravan. However, it is wise to take out an insurance because in most cases you have paid a considerable amount of money for the caravan. Read more about caravan insurance mandatory>>
If you cause damage to others with your caravan, this is covered by your WA car insurance. Damage to your caravan caused by fire, explosion, self combustion or storm and hail is not covered. For this you need a separate caravan insurance. For new caravans (till about 5 years old) you can take out a caravan insurance with new value coverage, this can be seen as the All Risks insurance for caravans. For caravans between 5-15 years old you can take out a current value policy. In such case you are maximally insured for the amount your caravan is worth at that time.
When you take out a car insurance you will always receive a green card, which counts as an international insurance certificate. When you go on holiday abroad with your caravan, it is possible that you need an extra green card for your caravan. Read more about this>
The tariff of a caravan insurance already takes into account the recreational (limited) use of a caravan. Therefore, caravan insurance cannot be suspended.
Yes, all additions and extensions can be insured. Such as an awning, mover, bicycle rack or side tent. You must state the value of these separately when applying for the insurance.
Would you like to insure your caravan against hail or storm? With this cover you can insure yourself for this. You will then receive compensation for the damage. And do you have a hail-resistant roof? Then you will receive a discount of 70% on your premium for this coverage. You also do not have an extra own risk in case of hail damage. If you do not have a hail-resistant roof, you will have an extra excess of €75.
Do you have the things in your caravan properly insured? You can do so with this coverage. It insures all items that were not supplied by the manufacturer. Like your television or crockery. These are then insured in case of damage or theft. In case of any damage you have an own risk of € 75,-.
Your (stationary) caravan is insured only during recreational rental to private individuals. This is permitted for a maximum of 4 weeks. The caravan may not be registered in the name of a company.
Recovery service
Alpina cooperates with 112schade.nl to recover non-covered damage from the other party. Has someone caused damage to you, but you have no coverage on your own policy? 112schade.nl can help you recover your damage from the other party completely free of charge.
How do we work?
There are lots of providers in the market for financial products and services. We have made a careful selection with a number of insurance companies we do business with. We have made this selection based on criteria such as premium, but also quality of conditions, experience with the institution and how a company behaves when a claim is made. When comparing insurance, we look at your personal situation and specific wishes regarding coverage. Alpina makes insurance clear and fast.
Supervision
Alpina complies with all the legal requirements of the AFM. For example, we have the necessary permits and diplomas and we are affiliated with the Financial Services Complaints Institute (Kifid).
How do we work?
There are lots of providers in the market for financial products and services. We have made a careful selection with a number of insurance companies we do business with. We have made this selection based on criteria such as premium, but also quality of conditions, experience with the institution and how a company behaves when a claim is made. When comparing insurance, we look at your personal situation and specific wishes regarding coverage. Alpina makes insurance clear and fast.
Supervision
Alpina complies with all the legal requirements of the AFM. For example, we have the necessary permits and diplomas and we are affiliated with the Financial Services Complaints Institute (Kifid).
Do it directly
Report damage
Do you have a damage? Then you can report it online using the form below. Do you need a towing service urgently? On your green card you will find the telephone number of the emergency service to which your insurance company is affiliated.
If you have coverage for windscreen damage, you can call in a windscreen repairer who is listed on your green card. In most cases the glass repairer will settle the claim with your insurance company.
Report a change
Do you want to adjust your insurance or has something changed in your personal situation? You can reportdifferent types of changes.
- Change personal data
- Change of address
- Changing other insurance
- Cancelling insurance
Report damage
Do you have a damage? Then you can report it online using the form below. Do you need a towing service urgently? On your green card you will find the telephone number of the emergency service to which your insurance company is affiliated.
If you have coverage for windscreen damage, you can call in a windscreen repairer who is listed on your green card. In most cases the glass repairer will settle the claim with your insurance company.
Report a change
Do you want to adjust your insurance or has something changed in your personal situation? You can reportdifferent types of changes.
- Change personal data
- Change of address
- Changing other insurance
- Cancelling insurance
Immediate coverage possible, 24/7
The insurance can be calculated and concluded 24 hours a day, 7 days a week. In most cases, coverage is immediate, so you can get your caravan on the road quickly.
Close within 5 minutes
When you take out insurance online, you want coverage immediately. That's why we show you what you can expect. You can insure your caravan within 5 minutes. You choose your own cover and excess, so you never pay too much. Your application will be assessed immediately and take effect when you want.
Money back guarantee! 14-day cooling-off period
When you take out insurance with us, you have a 14-day cooling-off period. This means that you can cancel the insurance within 14 days without giving any reason. Click here for the conditions.
Immediate coverage possible, 24/7
The insurance can be calculated and concluded 24 hours a day, 7 days a week. In most cases, coverage is immediate, so you can get your caravan on the road quickly.
Close within 5 minutes
When you take out insurance online, you want coverage immediately. That's why we show you what you can expect. You can insure your caravan within 5 minutes. You choose your own cover and excess, so you never pay too much. Your application will be assessed immediately and take effect when you want.
Money back guarantee! 14-day cooling-off period
When you take out insurance with us, you have a 14-day cooling-off period. This means that you can cancel the insurance within 14 days without giving any reason. Click here for the conditions.
Customers about caravan insurance
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