What is caravan insurance?
A Caravan insurance protects your caravan against damage, theft and fire. Whether you want a luxury Touring caravan, a practical one trailer tent or a mobile home has: with the right insurance you can enjoy your holiday worry-free.
Caravan insurance is not legally required. Damage you cause to others with an attached caravan is covered by the third party liability coverage of your car insurance. But this does not cover damage to your own caravan – and that can be very expensive.
Caravans are nowadays more luxurious and expensive than ever. Damage caused by storm, vandalism, hail or an accident on the road can quickly cost thousands of euros. With good insurance you don't have to worry about that.
What Type of Caravan Do You Have?
Touring caravan
Classic caravan for touring. Single axle or tandem axle. €10k-€60k new.
trailer tent
Compact caravan with fabric walls. Light and agile. €5k-€25k new.
mobile home
Stuck at the campsite. Separate insurance (building). €15k-€80k new.
Attachment / Trailer Tent
Folding caravan with tent element. Compact to transport. €3k-€15k new.
Which Coverage Suits You?
WA (Via Car)
Only damage to third parties
- ✓ Damage to third parties (linked)
- ✓ Through third party car insurance
- ✗ Own caravan not covered
- ✗ Theft not covered
- ✗ Fire not covered
Limited Airframe
Basic caravan protection
- ✓ Fire & explosion
- ✓ Theft & burglary
- ✓ Storm & hail
- ✓ Lightning strike
- ✗ Own debt not covered
AllRisk (Full Casco)
Complete protection
- ✓ Everything from Limited Casco
- ✓ Collision damage
- ✓ Own debt covered
- ✓ Vandalism
- ✓ Skidding, flipping, colliding
🏕️ Awning & Awning Insured
With most caravan insurance policies, the awning and awning are included as standard:
- ⛺ Awning: Often without a maximum amount (e.g. Centraal Beheer) or up to €1,000-€2,500
- 🏕️ Awning: Both inflatable and traditional canopies covered
- 🔧 Accessories: Mover, satellite dish, bicycle carrier often included
- 💡 Tip: Check the policy conditions for maximum amounts
🔒 New value vs. Current value
An important difference that can make thousands of euros:
- 📉 Current value: Current value = new value minus depreciation. Often low in older caravans.
- 🆕 New value guarantee: In case of total loss, full new value will be returned within 3-5 years.
- 💰 Purchase value scheme: Second-hand: purchase value reimbursed for 5 years.
- 📋 Valuation report: For second hand, max 6 months old. Proof of value.
🚐 Popular Caravan Brands
All brands insurable. From budget to premium:
💰 Premium indication for caravan insurance
| Caravan value | Limited Airframe | AllRisk |
|---|---|---|
| €5,000 - €10,000 | €80-€120/year | €150-€200/year |
| €10,000 - €20,000 | €100-€160/year | €180-€280/year |
| €20,000 - €35,000 | €140-€220/year | €250-€380/year |
| €35,000 - €60,000 | €180-€300/year | €350-€500/year |
* Indicative. Depending on value, year of manufacture, length, weight and selected coverage.
🛏️ Inventory & Contents
You can often insure the items in your caravan:
- 🛏️ Standard coverage: €1,000-€1,500 contents with (limited) shell
- 📺 Increase possible: Up to €3,000-€6,000 at an additional cost
- 🍳 What does it include: Bedding, cookware, dishes, electronics
- 👕 Luggage: Often NOT insured - arrange via travel insurance
🔐 Security requirements
Many insurers impose requirements on the security of your caravan:
- 🔒 Drawbar lock: SCM-approved drawbar lock often mandatory
- 🛞 Wheel clamp: Approved wheel clamp may be required
- 🚨 Alarm: Sometimes mandatory for more expensive caravans
- 🏠 Storage: Secure storage can result in a premium discount
- ⚠️ NB: Non-compliance = no compensation in the event of theft!
⚠️ Not Covered / Exclusions
- ✗ Wear: Normal wear and maintenance
- ✗ Construction errors: Factory defects (via warranty)
- ✗ Unsecured: Theft without mandatory security
- ✗ Certain areas: Sometimes storm damage excluded (e.g. Lake Garda)
- ✗ Intentional/recklessness: Damage due to intent or gross negligence
- ✗ Luggage: Clothing and personal items (via travel insurance)
🚗 Coherence With Car Insurance
Your caravan and car are closely linked in terms of insurance:
- ✓ Attached: Third party liability damage covered by car insurance
- ✗ Damage by car: Damage to caravan caused by your car is NOT covered by car insurance
- 🚗 Roadside assistance: Caravan often included in car insurance breakdown assistance (check conditions)
- 💡 Tip: Also compare your car insurance – often cheaper together
💡 Tips for Caravan Owners
- ✓ New value scheme: Kies voor nieuwe caravans (<5 jaar) New valuegarantie
- ✓ Save purchase receipts: Photos and receipts of accessories for claims
- ✓ Valuation report: Second-hand: have it appraised (max 6 months old)
- ✓ SCM slot: Invest in an approved drawbar lock – often mandatory
- ✓ Secure storage: Can provide premium discount
- ✓ Travel insurance: Remember – baggage and illness are not included in the caravan policy
Specialized Caravan Insurers
These insurers specialize in caravans:
