What is covered with all risk caravan insurance?
Of course, what you want most is to hit the road with your caravan carefree. Nobody wants to go on vacation only to come home with unexpected, sometimes sky-high, costs due to damage to the caravan. To be insured in case of damage to your caravan, you can take out an all-risk caravan insurance policy. This is the most comprehensive caravan insurance so that you are fully insured. At Alpina.nl we tell you all about all-risk caravan insurance.
When do you choose all-risk caravan insurance?
Taking out caravan insurance is not mandatory. If you tow your caravan with your car and cause damage to another person, this will be covered by yourthird-party car insurance. This insurance covers liability claims and is required by law. Has your own caravan also been damaged? Then you will have to pay the repair costs yourself, as this is not covered by your car insurance. The repair costs for damage to a caravan can be quite high, especially in the case of fire or hail damage, for example.
Do you regularly travel abroad with your caravan? Heavy hailstorms occur relatively frequently around Lake Garda and in parts of France. Damage to caravans caused by hailstorms is also becoming increasingly common in the Netherlands. Some hailstorms produce hailstones the size of golf balls or even larger. These can cause considerable damage to your caravan in a short space of time. With comprehensive caravan insurance, you are insured for this.
All risk caravan insurance
For newer caravans, up to about 5 years old, you can purchase caravan insurance with new value coverage. This is similar to all-risk caravan insurance. In case of damage, you will be paid the new-for-old value of the caravan.
Insured
With all-risk caravan insurance, you are covered for damage caused by:
Not insured
Every insurance policy also has some things excluded from coverage. Of course, each insurer may have different exclusions. So always check this in the policy conditions of your insurance. For an all-risk caravan insurance the following things are usually not insured:
- Damage caused by poor maintenance
- Discoloration, scratches and wear
- Construction defects or faults in the frame of the caravan
- Damage caused by normal (household) use, repair or cleaning
Take out all-risk caravan insurance through Alpina!
On Alpina.nl help you find the right caravan insurance. That starts with comparing insurance policies. To do this, you can use our online comparison tool. All you have to do is enter a few details about your caravan, such as year of construction and catalog value, among others, and the comparison can begin. This way you can easily find the best all-risk caravan insurance.
Do you have any questions or would you like to consult with one of our insurance experts? Then be sure to contact us! You can reach us Monday through Friday, from 8 a.m. to 6 p.m. at 088 - 6883700. You can also send us your question via message. This can be via email, WhatsApp or Messenger. We will answer your question as soon as possible!
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Also view
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- Is caravan insurance mandatory or not?
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- On vacation with the caravan: do I need a green card?
- Caravan insurance for your caravan
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