Turien & Co · compared independently · advice from Finass
Caravan insurance through Turien & Co
As soon as the caravan is behind the car, the risk changes completely: weight, coupling and driving licence then determine whether you are still covered.
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
In law, a caravan is a trailer. Coupled to the car, liability towards third parties falls under the WAM cover through the towing vehicle. The caravan insurance itself is about damage to the caravan: own-damage cover on the road, the contents travelling with you and assistance if you are left at the roadside with an unusable caravan.
For anyone travelling with one, three things are decisive. The total weight of the combination in relation to your driving licence, because a combination that is too heavy affects the cover. The scope of the assistance abroad, including whether replacement accommodation and repatriation of the caravan are included. And the question of what happens to your luggage if an accident makes the caravan unusable.
If your risk lies instead in standing still on the campsite and in winter storage, look at how the caravan insurance through NH1816. If the caravan stands permanently in one place, what belongs there is a static caravan insurance added.
Caravan insurance through Turien & Co: 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.
Driving licence and weight of the combination
With a category B licence you may drive up to a certain combined weight of car and caravan; above that, code 96 or a BE licence is required. If you drive a combination that is too heavy, you are driving without authorisation and your own-damage cover lapses, while the insurer can recover from you the amount paid to third parties. Check the details on both registration documents before you set off, not just the weight of the caravan.
Snaking, rolling over and incorrect loading
The classic travel loss is a caravan that starts to snake at speed and rolls over. That is an insured event, but the insurer will look at the noseweight and the loading. If the caravan is demonstrably loaded incorrectly or above the permitted weight, Article 7:952 of the Dutch Civil Code on significant fault comes into play. Put heavy weight low and over the axle, not at the rear.
The coupling coming loose
If the caravan comes loose while driving and causes damage, the first place to look is the WAM cover of the towing vehicle. If the coupling turns out not to have been properly locked, or the breakaway cable not attached, the discussion shifts to your own lack of care under Article 6:162 of the Dutch Civil Code and to the excess. Check the coupling, breakaway cable and plug at every stop.
Luggage on the road is a separate section
The belongings you take with you are not covered by the caravan's own-damage cover. For that there is a contents or luggage section with its own limit and the requirement that the caravan was locked. Bicycles on a carrier, gas bottles and a loose awning groundsheet outside the caravan usually fall outside it. Valuable electronics and jewellery also often have their own sub-limit or are excluded entirely.
Replacement transport after a claim
Replacement transport after a claim Stay mobile with replacement transport.
Breakdown assistance
What does your premium depend on?
Maximum permitted mass. The weight of the caravan determines both the loss picture on the road and the licence category you need.
Area of travel. Driving within the Benelux, across Europe or beyond determines the scope of the own-damage and assistance cover.
Year of manufacture and value arrangement. Market value, a purchase-value scale during the first years, or a fixed valuation for an unusual caravan.
Luggage and awning included. The limits you choose for contents, awning and canopy are added to the premium for the caravan itself.
Theft prevention. A hitch lock, wheel clamp and fitted tracking system are a condition for own-damage cover with many providers.
Excess chosen. A higher excess lowers the premium, but weighs heavily on the smaller losses that happen on the road.
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.
What happens if the caravan is written off abroad?
Then everything turns on the assistance cover. That determines whether the wreck is disposed of or brought back, whether your luggage is transferred and whether you are given replacement accommodation. Without that cover you are left abroad with an unusable caravan and pay for the transport yourself. We compare this part in particular, because the differences between providers are greatest here.
Is damage to my car caused by the caravan covered?
That is an awkward point. Damage the caravan causes to the towing vehicle often falls outside the liability cover, because it concerns property of the same insured. Repair of your car then runs through that car's own-damage cover. So look not only at the caravan policy but also at the cover on the towing vehicle.
May my partner drive with the caravan during the trip?
Yes, provided that person holds the right licence for the combination. The cover follows the vehicle, not a single driver. The problem only arises if the driver is not authorised, for example because the total weight is above the limit for a category B licence. Check this before you set off, because there is no room to put it right during the trip.
Am I covered when the caravan stands uncoupled on the campsite?
The own-damage cover continues, even with the caravan detached from the car. What changes is the liability: coupled, it falls under the third-party liability of the towing vehicle; uncoupled, you are held liable as its owner. If a caravan that has not been secured rolls into the neighbour's, that ends up with your liability insurance and not with the motor insurance.
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.
