Mid-market · van conversion and overcab · contents
Insuring an Adria
Adria sells van conversions, overcab models and low-profile models under one brand name. The insurer does not work with that brand but with the type, the weight and the body stated on your registration document.
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert. nl or call 072 - 509 24 56 and we will take it from there.
Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
We compare the offerings of several insurers
An adviser checks whether the cover suits your situation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
The brand name tells the insurer little. What counts is which type you drive: a compact van conversion on a panel van base, an overcab model with a tall body, or a low-profile model with its own living area above the cab. Those three differ in weight, in construction and in the way damage is repaired, and are therefore assessed differently for acceptance and pricing.
Adria sits in the mid-market. A purchase price or replacement-value-as-new arrangement runs out after a time, after which market value applies, while repairing a damaged body remains labour-intensive. That combination means damage is written off as an economic total loss sooner than the owner expects. Wear, rust and deferred maintenance also fall outside every own-damage cover.
If the declared type does not match the registration document, that is not an administrative detail. Article 7:928 of the Dutch Civil Code requires you to give correct information on the application; under Article 7:930 DCC the insurer may reduce or refuse the payout where it would have set different terms had the information been correct. See also the general motorhome insurance.
The structure of the cover in three parts, with an overview per situation below.
The basics
Vehicle
Third-party liability is compulsory. Also, third-party, fire and theft or comprehensive cover.
Collision and theft
Fire, storm and hail
Often a replacement-value-as-new arrangement
Declare separately
Contents and accessories
Everything you take with you and fit to it.
Awning and bicycle carrier
Crockery and bedding
Solar panels and TV
On the road
Assistance
Breakdown and repatriation of the motorhome and its occupants.
Breakdown assistance abroad
Replacement accommodation
Return transport of the motorhome
What is covered
Situation
Third-party liability
Third-party, fire and theft
Comprehensive
Collision with another vehicle
Yes
Yes
Yes
Theft of the motorhome
No
Yes
Yes
Hail damage during storage
No
Yes
Yes
Damage you cause yourself on the campsite
No
No
Yes
Contents and accessories
No
Sometimes
Sometimes
Frost damage from not draining down
No
No
No
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Declare the type as the registration document names it
Adria supplies van conversions on a panel van base, overcab models and low-profile models. For the insurer those are three different risks, because the height, the weight and the body construction differ. So enter what is stated in part I of the registration document, not what you read in the brochure or the advertisement. If the declaration differs from reality, the insurer can rely on Article 7:930 DCC when a claim is made and reduce or refuse the payout entirely.
The 3,500 kilogram threshold
Several models sit close to the maximum permitted weight of 3,500 kilograms and sometimes exceed it when fully loaded. That affects your entitlement to drive and your cover at the same time. Driving without the required licence is excluded from own-damage cover on almost every policy, and where there is injury or damage to third parties the liability insurer will pay the victim but can recover that from you. Weigh the camper van loaded and declare the actual weight.
After the replacement value period, market value applies
A purchase price or replacement-value-as-new arrangement runs out after a number of years. After that the insurer pays the market value. On a mid-market camper van that value falls faster than the cost of repairing the body, because panels, furniture modules and sandwich panels remain labour-intensive to replace. The result is that damage which is technically repairable is nevertheless settled as a total loss. Ask at each renewal how long the arrangement still has to run.
Damp in the body is not sudden damage
Seams, roof penetrations and the joint around the overcab are the places where water gets in. The policy covers sudden and unforeseen damage from outside; damp entering slowly, rotted panels and mould growth fall outside that and count as deferred maintenance. Have the watertightness checked periodically and keep the reports. If a leak demonstrably arises in one go, for example through hail impact or a collision, the assessment is different.
The contents sum is almost always set too low
Add up what is really in it: crockery, pans, bedding, clothing, bicycles on the carrier, a TV and the awning. In a well-equipped motorhome that adds up to several thousand euros. You insure that separately; the vehicle's own-damage cover does nothing with it.
Frost damage is your own responsibility
Draining the water or keeping a minimum temperature is a condition on almost every policy. Burst pipes and a boiler ruined by frost are not sudden damage from outside but the result of an omission, and are not paid for.
What does your premium depend on?
Type of body. A van conversion, overcab or low-profile model each weighs differently in the calculation.
Maximum permitted mass. Around the 3,500 kilogram threshold the rating group changes.
Age and remaining replacement value period. Determines whether the purchase price or the market value is used.
Storage place in the winter season. A shed, a carport or a driveway leads to a different rate.
Sum insured for contents and accessories. A separate amount alongside the value of the vehicle.
Excess chosen. A higher excess lowers the premium, including for damage to the body.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
You request a quoteWe take stock of your situation, your risk and your wishes.
We compareseveral insurers, on premium as well as conditions.
You receive a proposalWith an explanation of the differences and the exclusions.
We arrange the switchIncluding cancellation, so there is no gap in cover.
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Yes. The insurer assesses type, weight and body construction, not the brand name. A van conversion on a panel van base, an overcab model and a low-profile model therefore get a different rate and sometimes different acceptance terms. Declare the type as it appears in part I of the registration document; a declaration that differs leads to discussion about the size of the payout when you claim.
My camper van weighs more than 3,500 kilograms when loaded. What does that mean?
Then you need a category C1 licence, and the vehicle also changes category for the insurer. Driving without the required entitlement is excluded from own-damage cover, and where there is damage to third parties the liability insurer will pay the victim but can recover that amount from you. Weigh the camper van fully loaded and declare the actual weight.
What happens when the purchase price arrangement runs out?
After that the insurer works with market value. For a mid-market camper van that means substantial damage to the body is settled as a total loss sooner than repaired, because the repair remains labour-intensive while the value falls. Ask at renewal how long the arrangement still has to run and whether a valuation makes sense in your situation.
Is a leak in the body covered?
Only where it is sudden damage from outside, for example after hail impact or a collision. Water that slowly enters via seams and roof penetrations, resulting in rotted panels or mould, counts as deferred maintenance and is excluded. Have the watertightness checked periodically and keep the reports of that check.
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
