Hire period
- Platform cover
- Excess for the hirer
- Damage during hire
Hire to third parties · platform · excess
Hiring out a caravan and insuring it
As soon as you lend out your caravan for payment, that is hire. An ordinary caravan policy excludes it, including hire through a platform.
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Deze pagina in het Nederlands: Caravan verhuren en verzekeren.
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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
When you hire out, a stranger drives and uses your caravan. That is a fundamentally different risk from your own use, which is why standard policies exclude it.
Do you rent out through a platform, it often provides its own cover during the hire period. Check what that covers, what excess applies and what happens between hires.
Hiring out a caravan: what is covered?
The structure of the cover in three parts, with an overview per situation below.
Between hires
The period in which the platform cover does not apply.
- Your own policy
- Storage
- Theft
Contents and awning
What you supply with it is rarely covered by the hire cover.
- Awning and canopy
- Crockery and furniture
- Bicycle carrier
What is covered
| Situation | Standard policy | Platform cover |
|---|---|---|
| Damage during the hire period | No | Sometimes |
| Theft during the hire period | No | Sometimes |
| Damage between two hires | Yes | No |
| Awning and contents supplied with it | Sometimes | No |
| Regular hiring out as a business activity | No | No |
| Frost damage from not draining down | No | No |
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.
Platform cover is not always complete
Read what happens in the event of a total loss, theft and hail damage, and what excess the hirer carries.
Between rentals
During that period the platform cover usually does not apply; your own policy then has to close the gap.
Contents and awning
The crockery, canopy and bicycle carrier you supply with it are rarely covered by the hire cover.
Read what applies between two bookings
Platform cover almost always applies only during the hire period. If the caravan stands on your driveway or in storage in between, your own policy has to cover that — and it may exclude hire. That is the gap into which losses most often fall when you hire out.
What does your premium depend on?
- List price and year of manufacture
- Frequency of renting out
- With or without a platform
- Storage between hires
- Contents hired out with it
- Excess
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.
May I hire out my caravan on my own policy?
No. Hiring out for payment is excluded on standard policies, including through a platform.
Is the platform's cover sufficient?
Often during the hire period, yes; check the excess, hail damage and total loss.
What applies between two hires?
Your own policy applies then; make sure it fits.
Are the awning and contents covered when hired out with the caravan?
Usually not. Declare them separately or leave them out of the hire.
May I hire out on my own policy?
No. Hiring out for payment is excluded on standard policies, including through a platform.
What if I hire out regularly?
Then it is a business activity with its own policy and liability cover. Occasional hire through a platform is something different from a hire business.
Read more
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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.
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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.