Is caravan insurance mandatory?

If you buy a caravan, you are not required to buy caravan insurance. Are you towing the caravan with your car? Then you are automatically insured with your third-party vehicle insurance. This means that if you cause damage to another person with your caravan, it will be compensated by your car insurance company.

Nevertheless, it may be wise to take out separate caravan insurance. After all, damage to your own caravan is not included in the insurance; those costs are for your own account. Especially if you have a new or expensive caravan, it is wise to take out caravan insurance, even if it is not mandatory. The repair costs for damage to a caravan can be considerable.

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Why take out caravan insurance?

If damage to others is covered under your car insurance (as long as the caravan is hitched) or your liability insurance (if the caravan is unhitched), why take out caravan insurance in the first place? Third-party car insurance and liability insurance only cover liability claims. This means that if your caravan is at the campsite and is hit by a storm, you will be responsible for the cost. By the way, it is not the case that all-risk car insurance does cover you for damage to your own caravan. This coverage really only applies to your car.

Do consider whether it is worth taking out caravan insurance for your caravan. If you have an older, used caravan that you bought over for not too much money, then caravan insurance is usually not immediately necessary. However, with a very new or expensive caravan, caravan insurance can sometimes be wise, even though it is not mandatory to purchase one.

What damages does caravan insurance cover?

With standard caravan insurance, your caravan is insured in cases such as fire, explosion, burglary and theft. Storm damage is also covered in most cases. However, hail damage is not covered by many insurers as standard! Weather conditions are becoming increasingly unpredictable and large hailstorms are becoming more frequent. A severe hailstorm can cause a lot of damage. When comparing caravan insurance policies, you can indicate whether or not you want to include hail insurance.

Does your caravan have an awning, canopy or maybe even an extension? If so, this is often also covered, as is your contents in the caravan. However, there can be big differences in coverage from one insurer to another. It is therefore a good idea to always compare different caravan insurance policies. Even though you are not obliged to take out caravan insurance, there are many advantages to it. You are covered for a lot of damages and can always travel with peace of mind.