Caravan insurance through De Goudse

Coupled up, you are driving under the car's policy

Damage you cause to someone else with the coupled caravan falls under the liability cover of the towing car. No separate third-party liability premium for the caravan is needed. But if the caravan itself is damaged while manoeuvring, that motor policy does not pay: damage to your own trailer is excluded as standard. For that you need own-damage cover on the caravan itself.

The awning and contents sit in their own section

The awning is the part that most often comes to grief and is least often properly insured. In a storm, canvas tears, poles bend and the canopy blows over. Check whether the contents section is included, what limit applies to it, and whether the awning is only covered if it has been taken down as prescribed when strong winds are forecast. Valuables and cash are almost always excluded.

It stands still for eleven months

Most caravans are used for a few weeks and stored for the rest of the year. It is precisely in that period that damage occurs: a falling branch, a collapsing canopy roof, theft of the whole vehicle or of the drawbar. Insurers attach requirements to this, such as a hitch lock, a fenced site or storage under cover. If your storage address changes, report it; otherwise the actual situation differs from the application.

Damp and wear are not an insured event

Damp penetration along seams, rotten timber parts and delaminating sandwich panels are almost always rejected as gradual deterioration or deferred maintenance. Also excluded are damage during hire to third parties, loss of value after a repair and damage caused by vermin in the body. Keep evidence of periodic damp readings. That makes the difference between a demonstrably sudden leak and a problem that has been there for years.

Replacement transport after a claim

Replacement transport after a claim Stay mobile with replacement transport.

Breakdown assistance