Liability
- Covered while coupled
- Under the car's third-party liability cover
- Uncoupled: no longer covered
Compare caravan insurance
As long as the caravan is behind the car, liability runs through your motor insurance. The moment you uncouple it, that stops: and that is exactly when it stands still for months.
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This page in another language: Nederlands
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
- 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
For liability a coupled caravan is included in the third-party liability cover of the towing vehicle. Damage to the caravan itself never is, and once uncoupled that liability cover falls away as well.
Caravan insurance covers the caravan itself: own-damage cover against damage and theft, on the road, on the campsite and during storage. You can also choose cover for the awning and contents, which are not part of the list price.
The storage is the decisive point for the premium and for acceptance. A caravan stands still for most of the year, and that is when fire, storm and theft damage happen. Insurers usually require an approved hitch lock and want to know where the vehicle spends the winter.
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What does caravan insurance cover?
The structure of the cover in three parts, with an overview per situation below.
Third-party, fire and theft
External causes beyond your control.
- Fire and storm
- Theft after forced entry
- Hail, depending on the policy
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.
What does your premium depend on?
- List price and year of manufacture
- Sum insured for awning and contents
- Storage: shed, driveway or storage site
- Security: hitch lock, wheel clamp, tracker
- Area of cover: the Netherlands or Europe
- Cover and excess chosen
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.
Once uncoupled, nothing is arranged
The third-party liability cover on your car continues as long as the caravan is coupled. If it stands uncoupled on the campsite, at your home or in storage, that cover no longer applies: and damage to the caravan itself was never covered in the first place. That is why a separate policy exists.
The hitch lock determines the theft cover
Caravans are towed away, not broken into. Insurers therefore almost always require an approved hitch lock and sometimes a wheel clamp or tracker, with additional requirements during the storage period. Keep the proof of purchase and both keys.
Awning and contents are often set too low
Add up what is in and on the caravan: awning, canopy, mover, bicycle carrier, crockery, bedding, camping furniture. On a well-equipped caravan that soon comes to several thousand euros, and it is not part of the list price. Declare it separately with its own sum insured.
Hiring out requires a different policy
If you hire out the caravan, even occasionally through a platform, that is commercial use and is excluded on a standard policy. Platform cover usually applies only during the hire period; check what applies between two hires and what excess the hirer carries.
Frequently asked questions
This is what people ask us most.
Is my caravan covered on the car insurance?
Only for liability and only while it is coupled. Damage to the caravan itself is never covered, and once uncoupled the liability cover falls away as well.
Are the awning and contents included?
Not automatically. You insure the awning, canopy, mover, crockery and camping furniture with their own sum insured alongside the own-damage value.
Which lock does the insurer require?
Almost always an approved hitch lock, sometimes with a wheel clamp or tracker as well, and with extra requirements during storage. Keep the proof of purchase and both keys.
Is hail damage covered?
Under own-damage cover, yes. Hail is one of the most common causes of loss on caravans, certainly in summer on the campsite.
What do I need to do before winter?
Drain the water or keep to a minimum temperature, and declare the storage location. Frost damage caused by neglect is not paid.
May I hire out the caravan?
Not on a standard policy. Hiring out is commercial use; through a platform, their cover usually applies only during the hire period.
Every situation is different. For these situations we have a separate page.
Insurers we compare
A selection. Which insurers appear in your comparison depends on your situation and the cover you choose.
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. Last updated on .
The information on this page is general in nature and is not personal advice.