What is Camper Van Insurance?
A camper insurance (also called camper insurance) protects your camper against damage, theft and liability. Whether you have a compact bus camper, a spacious one alcove camper or a luxury integral camper has: good insurance is essential and legally required.
In the Netherlands there is at least one Third party insurance mandatory. This covers damage you cause to others. Immediately Limited Airframe or Complete airframe insurance also protects your own camper against damage, theft and fire.
A camper holiday stands for freedom and adventure. With the right insurance you can enjoy your trip through the Netherlands and Europe without any worries 80% no-claim discount and New value guarantee up to 7 years.
What Type of Camper Do You Have?
bus camper
Compact & manoeuvrable. Base: Fiat Ducato, VW Crafter, Mercedes Sprinter. €60k-€100k new.
Camping bus
Smallest type. VW T6, Ford Nugget, Renault Trafic. Often with a lifting roof. €50k-€80k new.
alcove camper
Classic with bed above cabin. Ideal for families. Additional sleeping accommodations. €60k-€100k new.
Semi-integrated
Cabin flows into living space. Balance comfort/price. €60k-€100k+ new.
integral camper
Most luxurious. Cabin fully integrated. Maximum space. €80k-€150k+ new.
Self-build Camper
Self-converted van. Unique & personal. Value on appraisal.
Classic car Camper
30+ years old. Value stable. Insurance on purchase value possible.
Liner/Truck
On truck chassis. C1 driving license required. Premium segment.
Which Coverage Suits You?
WA (Mandatory)
Legally required basic coverage
- ✓ Damage to third parties
- ✓ Personal injury to others
- ✓ Material damage to others
- ✓ Accident assistance as standard
- ✗ Own camper not covered
WA + Limited Casco
Extended protection
- ✓ Everything from WA
- ✓ Fire & explosion
- ✓ Theft & burglary
- ✓ Storm & hail
- ✗ Own debt not covered
WA + Full Casco
All-risk protection
- ✓ Everything from Limited Casco
- ✓ Collision damage
- ✓ Own debt covered
- ✓ Vandalism
- ✓ New value guarantee option
🔒 New Value Guarantee & Purchase Value Guarantee
In case of total loss or theft you will receive the full value back:
- 🆕 New value guarantee (new camper): 5-7 years new value, up to 125% of the insured amount
- 💰 Purchase value guarantee (second-hand): 5 years purchase value, no depreciation
- 📋 Appraised value: For older campers based on appraisal report (max 3 years old)
- 💡 Tip: Keep purchase receipt and proof of payment safe for claims
🏕️ Accessories & Contents Insured
With (Limited) Casco, accessories and contents are insured as standard:
- 🏕️ Awning: Up to €2,500 co-insured for free, higher amounts additionally possible
- 📡 Satellite dish: Fixed dish included in the insurance as an accessory
- 🚲 Bicycle carrier: Mounted bicycle carrier covered
- 🛏️ Contents: €1,000-€5,000: bedding, pans, electronics, bicycles
- 🎵 Extras: Sound system, alloy wheels, car kit
🚐 Popular Camper Brands
All brands insurable. From budget to premium:
💰 Premium indication Camper
| Camper Situation | WA | Limited Airframe | Complete airframe |
|---|---|---|---|
| Older camper (€10k, 10 SV years) | €280/year | €520/year | €950/year |
| Average (€35k, no SV years) | €480/year | €1,000/year | €1,800/year |
| Newer camper (€80k, 3 SV years) | €650/year | €1,300/year | €2,200/year |
* Indicative. Depending on value, year of manufacture, type, claim-free years and selected coverage. SV = claim-free years.
🏆 Up to 80% No-Claim discount
Build up claim-free years and save big on your premium:
- ✓ Mirror discount: The same discount as taking over your car insurance
- ✓ Bonus program: Up to 80% starting discount with some insurers
- ✓ 5 SV years: 50% discount
- ✓ 8-11 SV years: 80% discount
- 🛡️ No Claim Guarantee: Protect your discount against relapse
🚗 Roadside Assistance & Assistance
- 🆘 Assistance after an accident: Included as standard with all coverage
- 🇳🇱 Breakdown Assistance Domestic: Additional closing
- 🇪🇺 Breakdown Assistance Abroad: 24/7 assistance throughout Europe
- 🚐 Replacement camper: Up to €175/day, max €1,750 per event
- 📞 ANWB Emergency Center: Available 24/7
⚠️ Not Covered / Exclusions
- ✗ Rental: Not covered as standard, additional rental coverage possible
- ✗ Wear: Normal wear and maintenance
- ✗ Unsecured: Theft without approved security
- ✗ Luggage: Clothing and personal items (household contents)
- ✗ Suspended license plate: No cover during suspension (except storage)
- ✗ Abroad >6 months: Maximum 6 months consecutively
🔐 Security Requirements & Discount
Good security can lead to 10% premium discount and is often mandatory:
- 🔒 Gearbox lock: BearLock, Construct Premium (required for bus campers)
- 🔑 Steering axle lock: Extra security for VW T5/T6
- 🚨 Alarm: Certified alarm system
- 📍 GPS tracker: Track & trace system
- ⚠️ VW T5/T6: Additional security requirements due to high susceptibility to theft
💡 Tips for Campers
- ✓ To use mirror discount: Transfer no-claims from car to camper
- ✓ Save purchase note: Essential for new/purchase value warranty claims
- ✓ Valuation report: For older campers, max 3 years old with photos
- ✓ Increase contents: Standard €1,000-€1,500, increaseable to €5,000-€6,000
- ✓ Protect: 10% premium discount and mandatory for more expensive campers
- ✓ Consider rental: Separate rental coverage with AllRisk + €1,000 deductible
Specialized Camper Insurers
These insurers specialize in campers:
