A caravan insurance legal expenses: what about this exactly?
You are going on vacation to France with the caravan to enjoy the sun. Everything is packed and you can drive along the Route du Soleil, but suddenly you have an accident. This, of course, is annoying in itself. And then the next question arises: how are you insured? And how is your caravan insured?
The caravan is also co-insured through the car's third-party liability (TPL) insurance. But do you have more comprehensive insurance for the caravan? Do you have legal assistance for your caravan abroad that can help you with any claims? In this article we will briefly discuss caravan insurance and further on legal expenses insurance for your caravan.
What insurances are available with a caravan in addition to legal expenses insurance abroad?
In general, caravan insurance has three different coverages. Apart from third-party insurance, which the caravan is covered by through the car insurance, there are additional options available. The coverages with which you can additionally insure your caravan are: standard coverage, comprehensive coverage and extra comprehensive coverage. You can also insure your caravan with additional options. For example, against hail damage, inventory coverage and legal assistance. Depending on your insurance requirements, you can make informed choices.
Legal expenses insurance for your caravan?
If you are thinking about legal expenses insurance for your caravan you are probably thinking: is this really necessary right now? Of course, it still depends on the situation. But given the value of an average caravan, it certainly can't hurt. By the way, there are a number of different options regarding legal expenses insurance. More on this later...
Very often in traffic things go well, but an accident is in a small corner. Conflict situations can quickly arise during your participation in traffic with your caravan. In a foreign country, where you probably do not master the language well enough, difficult situations can arise. Defending your legal position can become difficult with this. These situations can also involve huge costs. With legal assistance insurance for your caravan, you can take out legal assistance for the following forms: traffic, criminal and contract legal assistance. For both at home and abroad.
Most insurers cover the following in your caravan legal expenses insurance:
- Recovery legal assistance: recovering damage to the caravan from a legally liable third party;
- Contract legal assistance: legal assistance for contractual issues related to the caravan, think purchase, warranty maintenance and storage;
- Criminal legal assistance: legal assistance if you have to appear in a criminal court for an offence committed in connection with the caravan. In principle, if criminal prosecution can be avoided by a fine or commutation, most insurance policies do not cover those damages.
Depending on the coverage you choose, you will have legal assistance for your caravan. You can often put together the different coverages yourself. Thus, you retain the choice for what you wish to insure and what not. Thus, the premium you pay for such insurance depends entirely on the scope of legal expenses insurance you choose for your caravan. In any case, with legal expenses insurance for your caravan, you can go on vacation with a(n) more peace of mind.
More information about insurance? Check out the options at Alpina!
Do you want to take out caravan insurance legal expenses? Then you have come to the right place at Alpina. At Alpina you always get the most complete insurance at the right price. Do you have any questions about insurance? Please contact us or request a no-obligation quote.
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