NH1816 · compared independently · advice from Finass
Caravan insurance through NH1816
A touring caravan stands still for most of the year, and most damage occurs in exactly that period: storm on the campsite, hail on the roof and theft from storage.
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
A caravan is not a motor vehicle but a trailer. So no separate third-party liability insurance is needed as long as the caravan is coupled to the car: the WAM cover through the towing vehicle then continues to run. What you insure with NH1816 is therefore essentially own-damage cover on the caravan itself, possibly extended with contents and the awning.
The risk profile is determined by downtime. A caravan that stands on a fixed pitch from April to October and spends the rest of the year in storage runs hardly any traffic risk, but does run storm, hail, damp and theft risk. Insurers attach conditions to this that have nothing to do with driving: the storage address, the hitch lock and the state of the roof.
Caravan insurance through NH1816: 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.
Storm and hail on the pitch
The biggest source of loss for a stationary caravan is the weather. Hail dents the thin roof panel, wind lifts an open roof vent off its hinge and a fallen tree pushes in the wall. Storm cover usually applies only from a certain wind force, and damage caused by an open vent or window is often not paid. Close the caravan up when you leave the pitch, even for a day.
The storage address is a policy condition
What you declare as winter storage on the application is not an administrative detail. If the caravan moves to cheaper storage or to a relative's driveway, the actual situation differs from what is insured. In the event of theft, that can lead to reliance on Article 7:928 of the Dutch Civil Code on the duty of disclosure and on the change of risk. So always report a change of storage.
Damp penetration and wood rot are excluded
Water that gradually works its way in through a seam, a window seal or the roof vent falls outside the cover, as does the wood rot that follows. Only sudden and unforeseen damage is insured. An annual damp reading during servicing provides the evidence that the problem had not existed for years, and on older caravans it is the difference between payment and rejection.
Awning, canopy and contents arranged separately
The awning does not automatically belong to the caravan. It falls under a separate section with its own limit and usually with the condition that it is taken down when a storm is forecast. Contents inside have their own sum insured and the requirement that the caravan was locked. Bicycles, gas bottles and a loose awning groundsheet outside the caravan generally fall outside both sections.
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 construction and type. Age determines the market value and with it the chance that a repair leads to a total loss sooner than on a new caravan.
Valuation arrangement. Market value, purchase value during the first years or a fixed valuation. This determines the payment in the event of a total loss.
Storage location out of season. A locked storage hall counts differently from a caravan that spends the winter on your own land or by the roadside.
Theft prevention. A hitch lock, wheel clamp or fitted tracking system is a condition for own-damage cover with many insurers, not just a discount.
Awning and contents included. The limits you choose for awning, canopy and belongings inside are added to the premium for the caravan itself.
Excess chosen. For hail damage to the roof this is often decisive, because the repair costs there are close to the excess.
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.
Do I need separate third-party liability insurance for my caravan?
Not while the caravan is coupled to the car. The third-party liability cover of the towing vehicle then continues under the Dutch Motor Insurance Liability Act (WAM). If the caravan is uncoupled and then causes damage, the question shifts to your liability as its owner and your personal liability insurance (AVP) may come into play.
Is hail damage to the roof always covered?
Under third-party, fire and theft and comprehensive cover, hail is in principle an insured event. The discussion is usually about something else: whether the damage is new or from an earlier storm, and whether the thin roof panel can still be repaired or has to be replaced. So have damage photographed and reported straight away, even if you will not use the caravan again until next season.
What if I lend my caravan to family?
Lending within your private circle is usually allowed, hiring it out for payment is not. In the case of hire, including through an online platform, there is no cover during that period unless it has been arranged in advance. When lending, make sure the driver has a licence that matches the weight of the combination; otherwise a cover problem arises after all.
Do I have to keep the caravan insured in winter?
Yes, because it is precisely during the storage period that theft, fire and storm damage occur. Some insurers apply a lower premium for the months the caravan is in storage, but the cover continues. Cancelling for the winter and taking out a new policy in spring leaves an uninsured period at exactly the moment the risk is greatest.
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.
