Nationale · compared independently · advice from Finass
Touring caravan insurance through Nationale-Nederlanden
A touring caravan earns its name on the road: the losses that matter happen in a crosswind on the motorway, in hail in the mountains and on a campsite far from home.
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
Driving with a touring caravan is not the same as driving a car. The combination is long, sensitive to crosswinds and slow to respond; snaking that turns into a rollover is the classic loss picture and almost always causes heavy damage to the body and chassis. Whether that is covered depends on the type of own-damage cover, not on the liability cover of the towing car.
The second point is the distance from home. If you break down in France or Austria, the question is not only who pays for the repair, but also who recovers the caravan, where you sleep and how the outfit gets home. That sits in a separate assistance section and not in the own-damage cover. Without that section you are left with an unusable caravan at your own expense.
We compare the Nationale-Nederlanden touring caravan product with the rest of the market on the territorial scope, the maximum unbroken stay abroad and the way assistance and replacement accommodation are set up. If your caravan is in storage for most of the year, also read our page on caravan insurance through De Goudse.
Touring caravan insurance through Nationale-Nederlanden: what is covered?
The structure of the cover in three parts, with an overview per situation below.
Through the towing vehicle
Liability
Damage you cause to others with the trailer.
Covered while coupled
Under the car's third-party liability cover
Uncoupled: no longer covered
The object itself
Third-party, fire and theft
External causes beyond your control.
Fire and storm
Theft after forced entry
Hail, depending on the policy
Full
Comprehensive
Including damage you cause yourself.
Collision and manoeuvring
Vandalism
Contents as a separate section
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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Snaking and rolling over on the motorway
An outfit that starts to sway and ends up on its side causes damage to the body, the chassis and usually to the towing car as well. The liability cover on the car pays only for what you do to someone else. The damage to your own caravan falls solely under own-damage cover. Watch the noseweight and the load distribution too, because overloading is a standard exclusion.
Hail is the most expensive holiday loss
A hailstorm in the mountains puts hundreds of dents in the roof and side walls and damages roof lights. Repair is labour-intensive and on older caravans quickly leads to a total loss. Third-party, fire and theft cover usually includes hail, but check whether roof lights, solar panels and roof-mounted air conditioning are covered, and whether a separate exclusion applies to damage that is purely cosmetic.
Assistance is a section of its own
Recovery from a foreign motorway, replacement accommodation, the return journey for the occupants and transport of the caravan back to the Netherlands are not part of the own-damage cover. That requires an assistance section or a separate breakdown cover, with its own territorial scope. Check whether assistance also applies when it is not the caravan but the towing car that fails; the conditions often deal with that combination separately.
Outside the cover
Almost always excluded are damage caused by overloading or a badly adjusted coupling, damage during hire to third parties, and permanent occupation or use as a fixed residence in one place. Damp penetration and wood rot are also outside the cover as gradual deterioration. Some conditions also limit the unbroken stay abroad. After that the own-damage cover lapses and only third-party liability remains.
Replacement transport after a claim
Replacement transport after a claim Stay mobile with replacement transport.
Breakdown assistance
What does your premium depend on?
Year of manufacture and purchase price. These determine the basis of settlement and whether a replacement-value-as-new scheme can still apply.
Permitted gross weight. A heavy outfit requires the right driving entitlement and produces greater damage in a rollover.
Area of cover. Travelling to southern Europe or Scandinavia requires a wider area than the Netherlands and neighbouring countries.
Time travelling per year. A few weeks away is a different risk from staying abroad for months at a time.
Assistance included. Recovery, replacement accommodation and repatriation of the outfit form a separate section with its own premium.
Type of own-damage cover chosen and excess. Third-party, fire and theft with hail and storm cover, or comprehensive cover including damage from your own manoeuvres.
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.
The territorial scope is stated on the policy and often matches that of the green card for the towing car. If you travel further, apply for an extension in advance. Watch the maximum unbroken stay abroad as well. If it is exceeded, the own-damage cover can lapse while you are still travelling.
Is hail damage to the roof covered?
Third-party, fire and theft and comprehensive cover usually include hail. The difficulty lies in the extent: on an older caravan, repair soon exceeds the value, after which it is written off. Check whether roof lights, solar panels and roof-mounted air conditioning are expressly included, and whether an exclusion applies to damage that only affects appearance and does not make the caravan unusable.
Who pays for the recovery if I break down abroad?
The assistance section deals with that, not the own-damage cover. It usually covers recovery, replacement accommodation, the return journey for the occupants and transport of the caravan back to the Netherlands. Without that section, those costs are yours. Check as well whether assistance applies when the towing car fails and there is nothing wrong with the caravan.
Can I tow a touring caravan on any driving licence?
No. Above a certain total weight of the combination, a trailer licence is required. If you drive without the right entitlement, the insurer can refuse to pay and recover any injury compensation from you. Check the permitted weight of car and caravan together and allow for the load, because overloading is excluded as well.
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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