What does caravan insurance storm damage cover?
All year you have been looking forward to it, and now it is here. Summer has begun and the vacations can start. Take the caravan to the sun and relax. At least: that was the intention. Because from the second day on, there is nothing but heavy rain and strong winds... To make matters worse, a large branch breaks off from the tree under which the caravan is parked. Fortunately, no one is injured, but your caravan is severely dented....
Now you may be thinking, "fortunately, I am insured for this. But is this really the case? Is your caravan always insured against storm damage? And are there any exceptions to this? In this blog, Alpina answers all these questions about caravan insurance storm damage.
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Fully covered against storm damage through the right caravan insurance policy
With standard caravan insurance, you are not covered for everything. Most policies only cover theft and fire damage in the basic policy. Do you still want storm damage to be fully reimbursed? Then pay attention to the following points.
Basic policy or supplemental?
Some insurers cover storm damage in the basic policy. However, certain items are then often excluded from compensation. These include hail damage, or damage caused by falling objects, such as broken branches. What is usually covered is damage from heavy rainfall, also known as water damage, and damage from lightning strikes.
Do you also want to insure your caravan against hail and other storm damage? Then you will need to purchase additional insurance. Supplemental insurance consists of several policies to choose from.
The price of your insurance
The cost of your insurance depends on the coverage. When less is covered, the price will be lower. However, this is not necessarily always the right choice. Therefore, you should carefully weigh what you need, and what you don't. Are you going on vacation to a country known for its ability to rain hard all of a sudden? Then it may be wise to take out more comprehensive coverage.
Covers against other types of damage with caravan insurance as well
Of course, your caravan can suffer many other types of damage besides storm damage. What if you park your caravan just a little too tightly at the campsite? You just hit that pole or tree and your caravan is covered in dents and scratches. It is nice to be insured for this as well.
However, this type of damage is almost always outside the basic policy. You should therefore take out additional insurance for this, on top of your basic policy. Are you going to a country with narrow roads and narrow passages? Then additional insurance is recommended. Damages such as dents and scratches can quickly become expensive. You are better off spending a few euros extra per month than thousands of euros in service and repair costs.
Take out your caravan storm damage insurance through Alpina: simple and affordable
Are you considering caravan insurance? Then take it out now at Alpina! Thanks to our different modules, you always get the right insurance. Do you still have doubts or questions about our caravan insurance storm damage? Please feel free to contact our customer service. They are ready to answer all your questions.
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