With a Hymer the key question is not which type of cover you choose but on which basis of value you insure: market value, purchase price or an agreed value set in advance.
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 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
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
The main rule for claims is market value. Article 7:960 of the Dutch Civil Code provides that the payout must not put you in a clearly better position. That is why the insurer looks at what the vehicle was worth at the time of the loss. There is an exception to that rule: a prior valuation by an expert fixes the value bindingly, so that there is no later discussion about the basis.
On a camper van in the higher segment that difference is large. Leather upholstery, a drop-down bed, underfloor heating, an extensive media system and factory options are not in a standard valuation table, while they made up a considerable part of the purchase price. Without a valuation they disappear into an average and you effectively pay the extra cost twice.
On top of that, new models often carry a replacement-value-as-new or purchase price arrangement. Its length differs by insurer and by body type and, in this price bracket, is the most important point of comparison. Ask for that period explicitly and record what applies once it ends. See also the motorhome insurance.
The structure of the cover in three parts, with an overview per situation below.
The basics
Vehicle
Third-party liability is compulsory. Also, third-party, fire and theft or comprehensive cover.
Collision and theft
Fire, storm and hail
Often a replacement-value-as-new arrangement
Declare separately
Contents and accessories
Everything you take with you and fit to it.
Awning and bicycle carrier
Crockery and bedding
Solar panels and TV
On the road
Assistance
Breakdown and repatriation of the motorhome and its occupants.
Breakdown assistance abroad
Replacement accommodation
Return transport of the motorhome
What is covered
Situation
Third-party liability
Third-party, fire and theft
Comprehensive
Collision with another vehicle
Yes
Yes
Yes
Theft of the motorhome
No
Yes
Yes
Hail damage during storage
No
Yes
Yes
Damage you cause yourself on the campsite
No
No
Yes
Contents and accessories
No
Sometimes
Sometimes
Frost damage from not draining down
No
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.
Market value or valued amount
Without a valuation the insurer determines the market value itself when you claim, on the basis of Article 7:960 of the Dutch Civil Code: the payout must not leave you clearly better off. A valuation in advance, drawn up by an expert, turns that into an agreed amount. That saves not only discussion but also time, because establishing the value after a fire or theft is usually the longest-running part of settling the claim.
Ask for the length of the replacement value arrangement
Almost every insurer offers replacement value as new or purchase price for an initial period, but the length varies and also differs by body type. On a camper van with a high list price that period matters more than the difference in premium. Ask for it in writing, note the end date and decide well before then whether to move to a valuation. Anyone who misses that moment falls back to market value without noticing.
On an A-class the cab is part of the body
An A-class has no original driver's cab: the manufacturer builds it, including a large curved windscreen. Such a screen is not a standard item, has longer delivery times and on many policies does not fall under the ordinary glass repair arrangement with a fixed rate. Ask how glass damage is settled for your body type and whether a different excess or a separate payment arrangement applies.
Security is a condition in this class
For camper vans of high value, insurers set security requirements: an approved alarm system, an immobiliser and sometimes a tracking system with a subscription. That requirement is stated on the policy schedule. If the installation has not been fitted, has not been certified or the subscription has not been paid, the theft cover lapses, even if the camper van was in the agreed place. Keep the installation certificate with the policy.
The contents sum is almost always set too low
Add up what is really in it: crockery, pans, bedding, clothing, bicycles on the carrier, a TV and the awning. In a well-equipped motorhome that adds up to several thousand euros. You insure that separately; the vehicle's own-damage cover does nothing with it.
Frost damage is your own responsibility
Draining the water or keeping a minimum temperature is a condition on almost every policy. Burst pipes and a boiler ruined by frost are not sudden damage from outside but the result of an omission, and are not paid for.
What does your premium depend on?
Basis of value. Market value, purchase price or an agreed value that has been recorded.
Agreed value including options. Factory options and fitting-out only count if they have been recorded.
Type of construction. A-class, low-profile or overcab. The cab determines the repair costs.
Required security measures. Alarm class and tracking system are an acceptance condition and a rating factor.
Storage location. A locked shed weighs heavily in this value class.
Area of cover. Wider than Europe means a different premium and different assistance cover.
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.
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.
An expert establishes what the camper van is worth before the policy starts and that amount goes on the policy. In doing so you depart from the main rule in Article 7:960 of the Dutch Civil Code, under which the insurer determines the market value itself after a loss. The advantage is that the basis is fixed. Any discussion is then limited to whether the damage is covered.
Is a valuation compulsory?
No, but on a camper van with many factory options it is sensible. Leather upholstery, a drop-down bed, underfloor heating and media systems do not appear in a standard valuation table, while they made up a large part of the purchase price. Without a valuation those options disappear into an average. Some insurers also make a valuation compulsory above a certain value.
Is a panoramic windscreen paid for?
That depends on the policy. On an A-class the windscreen is part of the cab built by the manufacturer and is not a standard item. Many glass repair arrangements with a fixed rate do not apply to it. Ask in advance how glass damage is settled for your body type and whether a different excess or a separate arrangement applies.
What security does the insurer require?
In this value class, usually an approved alarm system with an immobiliser, sometimes supplemented by a tracking system and a current subscription. The requirement is stated on the policy schedule. If the installation is missing, has not been certified or the subscription has lapsed, the theft cover falls away, even if the vehicle was in the place declared.
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.
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