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
As long as the caravan is coupled, it counts for liability purposes as part of the towing vehicle: the car's third-party liability cover meets the requirement in Article 2 of the Dutch Motor Insurance Liability Act (WAM). That also has an unwelcome side. If the caravan damages your own car while snaking or jack-knifing, that is not damage to a third party and the third-party liability cover pays nothing. For that you need own-damage cover on the car or on the caravan.
The ASR caravan insurance covers the caravan itself, and the question there is whether the cover also applies while driving. Roof damage from a low headroom, a split side wall after jack-knifing and a damaged drawbar after a collision are typical driving losses. When manoeuvring with a mover or reversing into a pitch, there is the added point that you are operating the caravan yourself, so there is no other party.
Loading and coupling are not a detail. Driving above the permitted maximum mass, or with a combination for which your driving licence category is not sufficient, is a stand-alone exclusion. Report a loss as soon as you know about it. That follows from Article 7:941 of the Dutch Civil Code. An open or covered trailer needs its own policy: see trailer insurance through ASR.
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.
Snaking, jack-knifing and damage to your own car
A combination that starts to snake often ends with damage to both the caravan and the towing vehicle. The car's third-party liability cover pays only for other people's damage, not for your own car and not for your own caravan. Anyone driving without own-damage cover is left with two bills after such an incident. A stabiliser coupling reduces the risk, but does not replace the cover.
Shunting and manoeuvring
Reversing into a narrow pitch and using a mover cause most of the small losses: a post you catch, a damaged side wall or the neighbour's car. If a third party is involved while the caravan is uncoupled, liability runs through Article 6:162 of the Dutch Civil Code and not through the motor policy. Check whether your caravan cover includes this kind of self-inflicted damage or only external causes.
Loading, noseweight and driving licence
The permitted maximum mass of the caravan and of the combination determines which driving licence category you need and how much you may take with you. Overloading or a badly distributed load increases the chance of snaking and counts as a stand-alone exclusion in the event of a claim. Weigh the loaded combination once. After an accident the insurer can have this established from the investigation at the scene.
What is not covered
Outside the cover: damage while the combination was loaded above the permitted maximum mass; driving with a licence category that is not sufficient for the combination; damage caused by a defective or poorly maintained coupling and drawbar; hiring the caravan out to third parties; damage to the contents carried during the journey, unless a separate section has been taken out for them; and taking part in manoeuvring competitions.
Replacement transport after a claim
Replacement transport after a claim Stay mobile with replacement transport.
Breakdown assistance
What does your premium depend on?
Permitted maximum mass and dimensions. A long, heavy caravan is more prone to snaking and more expensive to repair.
Value and year of construction. The sum insured and whether a purchase-value scale still applies or market value already does.
Driving experience and claims history. The number of years you have driven a combination and the claims you have reported before.
Type of cover and excess. Third-party, fire and theft for external causes, or comprehensive cover including damage while manoeuvring.
Area of cover and length of the trip. The countries you drive to and the number of weeks the combination is away.
Stabiliser, mover and storage. A stabiliser coupling, a mover and the place where the caravan stands out of season.
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 damage to my car caused by the caravan covered by the third-party liability cover?
No. As long as the caravan is coupled, it counts for liability purposes as part of the towing vehicle. Damage it causes to that same car is therefore not damage to a third party and falls outside the third-party liability cover. For that you need own-damage cover, either on the car or through the caravan policy.
Am I covered if the caravan comes loose while driving?
The damage the caravan causes to others while it is still rolling falls under the third-party liability cover of the towing vehicle. Damage to the caravan itself comes from the own-damage cover. If it turns out that the coupling was not properly secured or that the breakaway cable was missing, the insurer can reject that own-damage claim for negligence.
Do I need a BE driving licence?
That depends on the permitted maximum mass of the caravan and of the combination with your car. If you stay within the limits of your category, the licence you have is enough. If you drive a heavier combination without the right category, you are driving without authorisation, and that is a stand-alone ground for rejecting an own-damage claim.
Is a mover included in the cover?
Only if it has been declared. A mover is an accessory fitted afterwards, with a considerable value, and it is not part of the standard sum insured. Have it noted on the policy, as with a stabiliser coupling, solar panel or bicycle carrier. Without that entry, an own-damage claim will only pay for the caravan without accessories.
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.
