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 Ansvar Idea caravan insurance covers the caravan itself. Most losses occur while the vehicle is not being driven: a branch on the roof, hail denting the roof panel, a storm that shifts the caravan or a break-in on an unguarded site. For those causes you need at least third-party, fire and theft cover; the liability cover pays nothing towards them.
The value on which a claim is settled is the second point to fix in advance. Many policies use a sliding scale that switches to market value after a number of years. For an unusual or restored caravan, a valuation is worthwhile; under Article 7:960 of the Dutch Civil Code the value is then fixed in advance and is no longer open to discussion after a loss.
For theft, insurers set specific security requirements and expect you to keep the caravan at an agreed location out of season. You must report a loss as soon as you become aware of it. That follows from Article 7:941 of the Dutch Civil Code. If you travel with a motorhome rather than a caravan, see the Bewust motorhome insurance.
Caravan insurance through Ansvar Idea: what is covered?
The structure of the cover in three parts, with an overview per situation below.
Through the towing vehicle
Liability
Damage you cause to others with the trailer.
Covered while coupled
Under the car's third-party liability cover
Uncoupled: no longer covered
The object itself
Third-party, fire and theft
External causes beyond your control.
Fire and storm
Theft after forced entry
Hail, depending on the policy
Full
Comprehensive
Including damage you cause yourself.
Collision and manoeuvring
Vandalism
Contents as a separate section
What is covered
Situation
Third-party, fire and theft
Comprehensive
Theft after forced entry, with the prescribed lock
Yes
Yes
Fire and storm damage on the pitch
Yes
Yes
Hail damage to roof and walls
Provided that
Yes
Collision damage while manoeuvring
No
Yes
Contents in the caravan or trailer
Provided that
Provided that
Damp, wear and deferred maintenance
No
No
A trailer or caravan is not an independent motor vehicle and therefore has no insurance requirement of its own. Damage you cause to others with it falls under the third-party liability cover of the towing vehicle, as long as the combination is coupled (Article 2 WAM). Once the trailer is uncoupled and has come to a standstill, that cover no longer applies.
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.
Storm, hail and falling branches
On a pitch under trees, a fallen branch and hail are the most common causes of own-damage claims. A dent in the roof panel or a cracked roof light may look minor, but it lets in moisture if the repair is delayed. Third-party, fire and theft cover usually includes these causes; comprehensive cover adds damage you cause yourself. Report even small roof damage straight away: a delayed repair makes the resulting damage your own problem.
Awning, canopy and contents
The awning and the canopy do not automatically belong to the caravan. They fall under a separate section with its own limit, and it is precisely in a storm that many policies exclude damage to canvas and poles. Your contents on the pitch are covered only to a limited extent, and for theft usually only where there are signs of forced entry. Have the applicable amounts confirmed before you choose the cover.
Theft and the prevention requirements
For theft cover, insurers require an approved hitch or wheel lock and sometimes a tracking system, plus storage on an enclosed or guarded site out of season. If the prescribed lock is missing at the time of the theft, cover lapses for that event, even if the caravan met every other requirement. Keep the proof of purchase for the locks and note the chassis and frame numbers.
What is not covered
Outside the cover: storm damage to the awning, canopy and canvas; damp and leakage damage caused by deferred maintenance to seams and roof lights; permanent occupation or hiring out of the caravan; theft without the prescribed hitch or wheel lock; damage caused by rodents and vermin in the interior; and damage arising during conversion or dismantling of the caravan.
Replacement transport after a claim
Replacement transport after a claim Stay mobile with replacement transport.
Breakdown assistance
What does your premium depend on?
Year of manufacture and type of caravan. Age, make and specification determine the repair costs and the appeal to thieves.
Insured value. The sliding value scale or, for an unusual caravan, the amount from the valuation report.
Sum insured for contents and awning. The limits you choose for camping equipment, canvas and canopy.
Type of storage out of season. Indoor storage, a guarded site or the public road each count differently.
Security measures. An approved hitch lock, wheel clamp or tracking system, and whether they are registered.
Area of cover and length of the trip. The number of weeks away and the countries you take the caravan to.
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.
Is my caravan insured while it is being towed by the car?
Liability for damage to third parties runs through the third-party liability cover of the towing vehicle for as long as the caravan is coupled. Damage to the caravan itself is not included there. That comes from the own-damage cover on the caravan policy. Check that this own-damage cover also applies while driving and not only when the caravan is stationary.
Is the awning covered?
Only if a separate section has been taken out for it, with its own limit. And the most common cause of all – storm – is excluded for canvas and poles in many policies. Find out what amount is included and which causes count before you buy an expensive awning.
Which locks does the insurer require?
Usually an approved hitch lock or wheel clamp, sometimes with a tracking system as well for a higher value. The requirement is stated on the policy or in the clauses. If the lock is missing at the time of the theft, theft cover lapses for that event. Keep the proof of purchase, because the insurer will ask for it when handling the claim.
Is hail damage to the roof paid?
Yes, hail is one of the causes included under third-party, fire and theft cover. Your excess applies, and the loss adjuster decides whether the roof panel is repaired or replaced. Do not delay reporting it: if a dent or crack is left untreated and moisture gets in later, that further damage is attributed to deferred maintenance.
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.
