Third-party liability insurance
- Damage to other vehicles
- Injury to third parties
- Damage to buildings and objects
- Damage caused by passengers
a.s.r. · compared independently · advice from Finass
Camper van insurance through ASR
A camper van covers a lot of miles in a few weeks, often far from home, so the policy stands or falls by its territorial limits and the assistance you get on the road.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
Deze pagina in het Nederlands: Camperverzekering via ASR — vergelijk & bereken premie.
Calculate your premium or request a quote
Without obligation; a reply within one working day.
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 your own premium with the calculator.
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.
In brief
The ASR camper van insurance applies within defined territorial limits. Which countries are included is shown on the green card: the countries that are not crossed out are insured. If you drive on to a destination outside that list, you need an extension or a local frontier insurance beforehand. A journey that leaves the covered area halfway leaves you without cover at the moment you need it most.
What happens after a breakdown or an accident abroad is a second point. Towing and repatriation costs, transport of the occupants home, replacement accommodation or a replacement camper van are not automatically part of own-damage cover; these are separate modules or parts of an assistance cover. Without that module you pay for the repatriation of a broken-down vehicle yourself.
The value on which a claim is settled follows a sliding arrangement for camper vans that switches to market value after a time. Ask when that switch takes place. If the vehicle stands idle in winter, suspending the registration can be worthwhile; the obligation under Article 2 of the Dutch Motor Insurance Liability Act (WAM) then lapses, but so does cover for use on the road. See also the Bewust motorhome insurance.
Through Finass or direct with a.s.r.?
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 ASR'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 a.s.r. |
|---|---|---|
| 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 a.s.r. 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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Area of cover and the green card
The green card is not a formality but the record of where you are insured to drive. Countries that are crossed out fall outside the cover, even if you are only driving through. If you want to travel further than the standard area, apply for an extension in advance or buy local cover at the border. Check the year in which the card was issued before you leave.
Assistance, repatriation and replacement accommodation
If the camper van is left standing abroad, the question is who pays for the towing, the inspection, the storage and the return journey, and whether the occupants are taken home. Some policies also arrange a night's accommodation or a replacement vehicle. These items sit in a separate assistance module with its own conditions on vehicle age and on whether breakdowns count alongside accidental damage.
From purchase price to market value
Camper vans are usually insured under an arrangement based on the purchase price for the first few years, which then moves step by step to market value. That switching point determines what you are left with in the event of a total loss. Ask about it and record whether accessories, fitting-out and any body added later are included in that amount. For an imported or converted camper van, a valuation is often the better route.
What is not covered
Outside the cover: travel to countries crossed out on the green card; hire of the camper van, including through a sharing platform; permanent occupation or use as living space; breakdowns and faults resulting from deferred maintenance; damage arising because you have loaded the vehicle above the maximum permitted weight; and the costs of a holiday cut short, such as booked crossings and campsite pitches.
Replacement transport after a claim
Replacement transport after a claim Stay mobile with replacement transport.
Breakdown assistance
What does your premium depend on?
- Maximum permitted mass — The weight determines the driving licence category required and the risk class of the vehicle.
- Purchase price and age — The amount on which the value arrangement is based and the point at which it switches to market value.
- Area of cover — Europe only or a wider area; the further you travel, the more the assistance cover matters.
- Travel weeks and annual mileage — A few holidays a year or months on the road give rise to a different risk.
- Storage address out of season — Indoor storage, a fenced site or the public road, and whether you suspend the registration.
- Chosen modules and excess — Assistance, replacement transport or accommodation, and the excess per own-damage claim.
Insurers weigh these details differently. That is why comparing pays off.
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.
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.
Frequently asked questions
The questions we are asked most often about this.
Am I insured outside Europe with my camper van?
Only in the countries that are not crossed out on the green card. For destinations beyond those, arrange an extension in advance, or take out local insurance at the border. Do not simply drive on and hope for the best: a country outside the area means no cover, not even where you are only driving through.
What does the assistance cover arrange after a breakdown abroad?
That depends on the module chosen. It usually covers towing to a garage, transport of the occupants, storage and returning the camper van to the Netherlands if repair on the spot is not possible. Note the conditions on the age of the vehicle and on whether breakdowns without a collision also count.
Can I suspend the registration of the camper van in winter?
For a camper van with a registration number, you can. The obligation under Article 2 WAM then lapses, but so does cover for use on the road. If you want fire, theft and storm damage in storage to continue, that has to be agreed expressly. Arrange it before you suspend the registration, not afterwards.
How long does the purchase price arrangement apply?
That differs from policy to policy. For the first few years the purchase price is used, after which the arrangement moves step by step to market value. That switching point determines what you are left with in the event of a total loss and is therefore one of the most important points of comparison between providers. Also ask whether fitting-out and accessories are included in the sum insured.
Read more
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- Motorhome insurance through Vereende — compare & calculate your premium
- Insuring a business motorhome: what you need to know
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 written and checked by an adviser at Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.