Liability
- Required by almost every park regulation or pitch contract
- Sum insured usually € 1,250,000 or more per event
- Sometimes covered by personal liability insurance (AVP) for own use; not when letting
Compare holiday home and chalet insurance
With a chalet or holiday home, you compare policies on the basis of value after a loss, the winter clause and the rules on letting; that is where the differences lie, not in the premium.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
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.
Which details do we ask for?
Personal quote request. A no-obligation request: nothing is taken out automatically. After sending you receive a reference number and a confirmation by e-mail.
- First and last name (required)
- Date of birth (required)
- E-mail address (required)
- Phone number (required)
- Postcode (required)
- House number (required)
- Suffix
- Address check
- Would you like to include any other insurance? (required)
Additional questions follow per chosen insurance.
- Household composition (required)
- Occupation or activities (required)
- Preferred start date
- Already insured?
- Is there anything we should know? (required)
- Comments
- Have you, or anyone else with an interest in this insurance, been in contact with the police or judicial authorities in the past 8 years? (required)
- Has an insurance policy ever been cancelled, refused or terminated due to fraud, or are you registered in the incident register? (required)
- I agree to the privacy statement, declare that the information is correct and complete to the best of my knowledge, and understand that this quote request does not yet provide insurance cover. (required)
Additional questions follow per chosen insurance.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
A chalet worth € 80,000 on a rented pitch and a brick holiday home worth € 300,000 on your own land are, in insurance terms, two different objects. With most insurers the chalet is covered under a chalet or static caravan policy with a sum insured based on purchase or new value; the holiday home under buildings insurance (opstalverzekering) based on rebuilding value. Unlike our page on buildings insurance for a chalet, which deals with the fire and storm risks of timber construction on a holiday park, this page is about what to compare the policies themselves on.
The first point of comparison is what you receive in the event of a total loss. Chalet policies have a new-value arrangement that often applies until the chalet is five to ten years old, after which the current (depreciated) value applies, sometimes with a minimum expressed as a percentage of the new value. Under a buildings policy it is the rebuilding value, provided the sum insured is correct; a prior valuation (voortaxatie) by an expert binds the insurer under Article 7:960 of the Dutch Civil Code (BW). The second point is the winter clause: draining the pipes or maintaining a minimum temperature, and the consequences if you cannot prove that you did so.
The third point is letting. Parks often arrange letting themselves, and platforms make it easy; but not every policy allows letting, and those that do sometimes limit it to a number of weeks or exclude damage caused by tenants. We compare on these three points and on the park's requirements, and only then on premium.
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We compare your holiday home insurance across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
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What does holiday home and chalet insurance cover?
The three types of cover build on one another; which one suits you depends on the value, the age and whether guests or tenants stay in the chalet.
Third-party, fire and theft
Named perils from outside: fire, storm, lightning, burglary with signs of forced entry and frost under conditions; the choice for an older chalet with a lower value.
- Storm often with an excess of a few hundred euros
- Frost damage only if the pipes were demonstrably drained
- Current value in the event of total loss, without a new-value arrangement
Comprehensive
Also damage caused by your own actions, vandalism and damage by guests; for newer chalets linked to the new-value arrangement and the only suitable option when letting.
- New value up to five to ten years after purchase with many insurers
- Vandalism and tenant damage, usually with a higher excess
- Contents as a separate section, often with a maximum per item
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?
- Value of the unit: rebuild value or list price
- Construction type: timber, plastic or brick
- Park and pitch
- Use: your own use or letting
- Home contents insured
- Winter period and security
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 provisions on which chalet and holiday home policies work out differently when there is a claim.
New value, current value or rebuilding value
An eight-year-old chalet burns down. With one insurer the new-value arrangement still applies and a comparable new chalet is paid for; with another the arrangement expired after five years and you receive the current value, which for a chalet quickly falls to half or less. Compare how long the new-value arrangement lasts, whether it applies if you bought the chalet second-hand, and whether there is a floor, such as at least 40 per cent of the new value. For a holiday home on your own land the rebuilding value applies; have it valued, because a prior valuation by an expert binds the insurer under Article 7:960 BW and prevents disputes about underinsurance.
The winter clause and the proof
Almost every policy requires that during the frost period the water pipes, boiler and toilet cistern are drained, or that the chalet is kept at a minimum temperature. The difference lies in the wording: some insurers reject frost damage if the clause was not complied with, others reduce the payout or apply a higher excess, and a few accept a draining service provided by the park as proof. Take dated photos of the drained installation, keep the invoice for the draining service and check whether the park switches off the heating in winter. Frost damage with burst pipes and a soaked floor easily costs € 5,000 to € 15,000.
Letting and the park's rules
An owner who lets their chalet through the park or a platform must report this to the insurer. Policies vary widely: some exclude letting altogether, others allow letting up to a number of weeks per year, and still others accept structural letting but exclude damage by tenants or charge a higher excess. On top of that, the park has its own rules: compulsory letting through the park, a ban on letting in certain periods and sometimes compulsory fire insurance. Compare the policy's letting rules with what you actually do; occasionally letting to family is something different from twenty weeks of tourist letting.
Permanent occupation and use
Holiday homes and chalets are intended for recreational use; permanent occupation is prohibited in many municipalities and on most policies is an exclusion or a reason to review the premium and acceptance. An owner who lives in their chalet temporarily after a divorce, or lets it to a migrant worker as accommodation, falls outside the policy. A chalet used all year round as a second home is also assessed differently from a chalet that stands empty from November to March. State the actual use and report any change; after a loss, use that conflicts with what was declared is the first thing the loss adjuster checks.
Frequently asked questions
Questions about comparing and choosing insurance for a chalet or holiday home.
How much does chalet insurance cost?
As an indication, the premium for a chalet with a sum insured of € 60,000 on all-risks cover is often between € 20 and € 45 per month, depending on construction type, age, location and letting. A brick holiday home on your own land with a rebuilding value of € 250,000 is insured through a buildings policy that, as an indication, costs between 1.5 and 3 per mille of the rebuilding value per year. A contents section and a higher storm excess affect the premium.
How do I know whether my chalet should be insured as a building or as a chalet?
What matters is whether the object is permanently attached to the ground: a foundation, connections that cannot easily be disconnected and a fixed extension point to buildings insurance; a chassis with wheels or an undercarriage on which the chalet can be moved points to a chalet policy. If in doubt, we ask the insurer for written confirmation of the classification, so that after a loss it does not turn out that the object was on the wrong policy.
Which insurance does the park require?
Almost every park requires, in the pitch contract or the regulations, liability insurance for damage to third parties and park property, and some also require fire or buildings cover for the chalet itself, sometimes with proof of insurance on signing. Ask for the regulations before you choose a policy; the requirements on letting, winter closure and maintenance feed through into the conditions the insurer sets.
Are my contents in the holiday home insured?
Not through the contents insurance (inboedelverzekering) of your main home, which only applies at the insured address. With chalet policies, contents are a separate section with a sum insured and often a maximum per item and a restriction on theft without signs of forced entry while the chalet is unoccupied. Electric bikes, a television and tools are the items that go missing most often; compare the maximums for these and do not keep valuables in an empty chalet.
What happens if a tenant or guest causes damage?
With all-risks cover and declared letting, the insurer pays for damage caused by tenants, often with a higher excess and excluding wear and tear and ordinary soiling. With limited cover (beperkt casco) or undeclared letting, the claim is rejected. After paying out, the insurer can recover the loss from the tenant or their liability insurer; a deposit and a check-in inspection form on arrival help with this.
Is my chalet insured while being transported to another park?
With most chalet policies it is not, or only if the transport has been reported in advance and is carried out by a professional chalet haulier. The haulier has its own liability insurance, but this is often limited per kilogram and does not cover the full value of a chalet worth tens of thousands of euros. Ask the haulier about its cover and take out one-off transport cover if necessary. Pass on the new park to the insurer straight away.
Every situation is different. For these situations we have a separate page.
- Holiday home insuranceThe main page
- Insuring a chalet or static caravan in the NetherlandsFixed pitch, Netherlands, winter period
- Insuring a chalet or static caravan in GermanyFixed pitch, Germany, winter period
- Insuring a chalet or static caravan in BelgiumFixed pitch, Belgium, winter period
- Insuring a static caravanPitch, storm, standing empty
- Buildings insurance (opstalverzekering) for a chaletConstruction, pitch, standing empty
- Chalet insuranceHoliday home, pitch, standing empty
- Buildings insurance (opstalverzekering) for a static caravanNot a building, holiday unit, extensions
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 (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.