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 static caravan is insured as a holiday unit on its own policy: the unit itself, the extension, the contents and usually liability cover for owning it. What makes that policy distinctive is the combination of a fixed pitch and a pattern of use with long periods standing empty. Almost all claims arise from those two things.
The pitch partly determines whether the insurer accepts. A park on the coast or on an open polder site is more prone to storm than a sheltered woodland plot. On top of that, virtually every set of park rules prescribes how the caravan must be propped and anchored. Those requirements come back as conditions in your policy. If you do not comply with them, you carry the storm damage yourself.
If you let the caravan, even occasionally through a platform, the risk changes and that must be on the policy. For the legal question why a static caravan does not fit on a home policy, read the page about buildings insurance for a static caravan.
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.
Frost during the winter shutdown is the biggest item
From October to April the caravan is usually empty and unheated. Draining the water or maintaining a minimum temperature is an express condition in virtually every policy, not advice. Burst pipes, a cracked boiler or a broken tap are not paid for if that measure has not been taken. Many parks offer a draining service; keep the confirmation, because when you claim you have to show that the work was done.
Storm hits the light parts first
A static caravan has a light roof and a large side wall: in strong winds the wind gets underneath. Damage rarely starts with the caravan itself but with the awning, the canopy or the terrace screen, which then strike the wall or the roof. Insurers therefore set requirements for anchoring and for storing loose items away. Have the propping checked periodically and record when that was done.
Arrange contents and liability separately
The contents of your home do not travel to the park: what is in the caravan belongs on the holiday contents cover. Requirements often apply to leaving valuables behind while the caravan stands empty. For injury or damage to a visitor on your terrace you may be liable under Article 6:162 of the Dutch Civil Code; check whether your personal liability insurance covers the holiday unit or whether that has to be arranged separately.
What is not reimbursed
Three items fall outside the cover. Damp, wet rot and mould caused by slow effects are not a sudden event and count as maintenance. Damage during transport or siting falls under the liability of the firm that moves the caravan, not under your unit policy. And damage arising while you live in the caravan permanently or let it out without having declared this can be refused, because the declared use differs from the reality.
What does your premium depend on?
Insured value of the unit. The declared value of the caravan and the extension is the basis for calculating the premium.
Location and type of park. Coast, open ground or sheltered woodland differ considerably in storm risk and in acceptance.
Age of the caravan. Older units have a lower value but a higher chance of damp and leak damage.
Type of use. Recreational use by you, letting or permanent occupation lead to different conditions.
Prevention measures taken. The draining arrangement, anchoring, smoke alarms and storing loose items away all count.
Chosen modules and excess. Unit, contents, liability and glass can be chosen separately, each with its own 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.
Virtually every policy sets that as a condition: drain the system or maintain a minimum temperature during the period the caravan is not in use. If you do not, frost damage to pipes, boiler and sanitary ware is not paid for. Have the work done by the park if need be and keep the confirmation, because when you claim the burden is on you to show that the measure was taken.
Am I insured if I let the caravan?
Only if the letting is on the policy. Letting changes the risk: users change, the chance of damage and theft rises and your liability towards tenants changes. If you do not declare it, the actual use differs from your declaration and the insurer can refuse the payout under Article 7:928 of the Dutch Civil Code, even if the letting had nothing to do with the damage.
Does the policy also cover damage during a move?
No, transport and siting fall outside the unit cover. If the caravan is driven to another pitch or lifted by crane, the risk lies with the firm doing the work. Ask about their liability insurance in advance and record the condition of the caravan with photographs, both before and after the move.
What happens with damage from a storm at the park?
Damage to your own caravan and extension runs through your unit policy, provided the anchoring and precautions were in order. Damage caused by a defect in a park building or park facility lands with the park owner under Article 6:174 of the Dutch Civil Code. So report the damage to both parties and take photographs of the situation immediately, before anything is cleared away.
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.
