Third-party liability insurance
- Damage to other vehicles
- Injury to third parties
- Damage to buildings and objects
- Damage caused by passengers
Bewust camper van insurance through Ansvar Idea
A camper van is a vehicle with a home inside it, and the claims lie just as often in the gas installation, the body and the contents as in the bodywork.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
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
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
The Bewust camper van insurance from Ansvar Idea has to carry two very different risks at the same time. On the road, the camper van is a motor vehicle subject to compulsory insurance under Article 2 of the Dutch Motor Insurance Liability Act (WAM), with the claims that go with that: overhanging branches, canopies and barriers caught by its height. When stationary it is living space, with break-ins, water damage and gas leaks as the main causes. Not every policy treats both equally generously.
Own-damage cover concerns the camper van itself: chassis, body and the permanently built-in fittings. Your camping equipment, clothing, kitchen equipment and electronics do not fall under that, but under a separate contents or baggage section with its own limit and its own excess. Theft from the camper van is usually only paid out under that section if there are signs of forced entry.
Solar panels fitted later, a bicycle rack, an awning, a satellite dish or an extra battery pack only count if they were declared when the insurance was taken out. The same applies to the storage location out of season. Both declarations fall under the duty of disclosure in Article 7:928 of the Dutch Civil Code. If you also travel with a trailer, see trailer insurance.
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Through Finass or direct with Ansvar Idea?
The structure of the cover in three parts, with an overview per situation below.
Third-party liability + fire and theft
Alongside third-party liability cover, protection against damage to your own car from external causes you cannot prevent.
- Fire and storm damage
- Theft and burglary
- Windscreen breakage and glass damage
- Collision with animals
Comprehensive insurance
The most complete cover, including for damage you cause yourself, theft and total loss. We compare Ansvar Idea's comprehensive version with the market.
- Hail damage
- Damage through your own fault
- Vandalism
- Unknown party at fault
What is covered
| What we do | At Finass | Direct with Ansvar |
|---|---|---|
| Comparison across several insurers | Yes | No |
| Advice based on your own situation | Yes | Provided it is declared |
| One point of contact for claims | Yes | Provided it is declared |
| Cancellation with your current insurer arranged | Yes | No |
| We determine whether Ansvar is the best choice | Yes | No |
| Advice fees for you as a customer | No | No |
What we do
| What we do | At Finass | Direct with Ansvar |
|---|---|---|
| Comparison across several insurers | Yes | No |
| Advice based on your own situation | Yes | Sometimes |
| One point of contact for claims | Yes | Sometimes |
| Cancellation with your current insurer arranged | Yes | No |
| We determine whether Ansvar is the best choice | Yes | No |
| Advice fees for you as a customer | No | No |
This overview concerns our service, not the cover. What is actually covered is set out in the policy conditions and on the insurer's insurance card (verzekeringskaart); you receive both before you take out cover.
What does your premium depend on?
- Maximum permitted mass. The weight of the camper van determines the driving licence category and the risk class the vehicle falls into.
- Value and age of the body. A recent A-class with a lot of fitting-out costs more to repair than an older van conversion.
- Sum insured for contents and accessories. The limit you choose for equipment, electronics and bicycles carried.
- Hours of use per year. The number of weeks you are away and the annual mileage you declare.
- Storage out of season. Indoor storage, a fenced site or the public road give rise to different theft and storm risks.
- Type of cover and excess. Third-party liability, third-party, fire and theft or comprehensive cover, with a separate excess for the contents section.
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.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
9.5New policy
9.8Claims handling
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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Body, fitting-out and accessories
The line between vehicle and equipment determines which section a claim falls under. Permanently built-in items – kitchen unit, fridge, heating, solar panels on the roof – belong to the camper van. Loose items belong to the contents. A bicycle rack, awning or roof box sits in between and only counts as an accessory if it was declared on the application. Ask for written confirmation of what is insured.
Contents, baggage and camping equipment
The contents section has a maximum per event and often a lower sub-limit for electronics, jewellery and bicycles. Theft is generally only paid out where there is demonstrable forced entry to the camper van; items that disappear from an open camper van or from an unattended pitch are excluded. Bicycles on the rack, outside the camper van, are often dealt with separately or excluded. Check those sub-limits before you leave.
Gas, water and electrics in the body
A leaking gas installation, a burnt-out inverter or a burst water pipe quickly damages the interior of a camper van. Insurers require the gas installation to be inspected periodically and the water tank and pipes to be drained before the frost. If you fail to do so, frost damage counts as the result of negligence and is not paid out. Keep inspection certificates with the policy.
What is not covered
Outside the cover: damp and leak damage that has arisen gradually or results from deferred maintenance of seams and roof penetrations; freezing of the water system where it has not been drained; hire of the camper van to third parties, including through a sharing platform; permanent occupation; damage caused by vermin or pets in the body; and taking part in speed or skill trials.
Replacement transport after a claim
Replacement transport after a claim Stay mobile with replacement transport.
Breakdown assistance
Frequently asked questions
This is what people ask us most.
Does my camping equipment fall under the camper van cover?
Not under own-damage cover. Loose items fall under a separate contents or baggage section with its own maximum and often lower sub-limits for electronics and bicycles. Theft there is usually only paid out where there are signs of forced entry. Go through the section before you leave and adjust the sum insured if you are taking expensive equipment with you.
Am I insured if the camper van stands outside all winter?
That depends on what you have declared. If the policy states that the camper van is stored indoors or on a fenced site and it nevertheless stands in the street for months, the situation differs from the insured risk. Report a change of storage location in advance. Afterwards it becomes a discussion about increased risk and the payout may be reduced.
Is damp or leak damage in the body covered?
Only if the cause is sudden, for example hail that penetrates the roof or a collision that tears a seam open. Damp that enters over the years along seams, windows or roof penetrations counts as the result of deferred maintenance and remains outside the cover. A periodic damp reading therefore matters for more than just the residual value.
May I lend the camper van to family?
Occasional lending without payment is usually covered, provided the driver holds the correct driving licence category and meets the age conditions. Hiring out for payment, including through a sharing platform, is a different use from the one insured and is almost always outside the cover. If you want to hire out the vehicle, a separate arrangement is needed for that.
Every situation is different. For these situations we have a separate page.
- Motorhome insuranceThe main page
- Camper van insurance through Unigarant
- Camper van insurance through NH1816
- Camper van insurance through ASR
- Camper van insurance through Vereende
- Insuring a hobby motorhomeOwn registration number, contents insured separately, damp damage excluded
- Insuring a heavy motorhomeWeight, driving licence, storage
Read more
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Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
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.
This page was compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.