Establishing the value · storage · camping equipment
Motorhome insurance through Turien & Co
With a camper van the discussion after a claim is rarely about the cover and almost always about the value: what is the vehicle worth and what exactly belongs to it.
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Deze pagina in het Nederlands: Camperverzekering via Turien & Co.
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.
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- We compare the offerings of several insurers
- An adviser checks whether the cover suits your situation
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
Turien & Co is an underwriting agent: the policy is issued on behalf of one or more insurers, and acceptance and claims handling run through the agency. For you that mainly means short lines of communication on a claim file. Finass acts as intermediary here and also compares the offerings of more than thirty other companies; which one it becomes depends on your camper van and your use of it. The wider range from this provider is set out on the overview page, the product information on motorhome insurance.
Third-party liability is compulsory under Article 2 of the Dutch Motor Insurance Liability Act (WAM) and covers the damage you cause to others with the camper van. Above that you choose own-damage cover. The point that keeps coming back with camper vans is the basis of the payout. On a ten-year-old camper van with an expensive body, market value means a disappointing amount. Many providers therefore work with a purchase price or fixed depreciation arrangement for the first few years. Record which arrangement applies, from which year of manufacture and with what depreciation, and keep the purchase invoice with the options chosen.
What counts towards the value matters just as much. An awning, bicycle rack, solar panels, satellite dish, navigation and an installed inverter are accessories with their own limit. The camping equipment inside, from crockery to camping chairs, falls under a separate contents section and not under own-damage cover. If you travel with expensive sports equipment, that is often a category of its own. Also look at your continuous travel insurance. For a camper van older than the usual acceptance limit there is the classic vehicle variant.
This page deals with one situation. The full overview is on Compare motorhome insurance.
What to look out for
Four points that lead to a reduced payout on a camper van more often than your driving style.
Height, width and overhanging obstacles
The most frequently reported camper van claim is not a collision but contact with something above you: a barrier, a canopy at a petrol station, a branch on a narrow road. Own-damage cover usually pays for that, but there are policies that treat damage to the structure differently from damage to the chassis. Ask whether roof damage and the water damage that follows from it are covered in full, because the consequential damage in a wooden body is greater than the dent itself.
Storage and security are an acceptance condition
The storage address declared, the use of an approved alarm and any wheel clamp are on the policy schedule for a reason. If the storage changes from a locked site to the public road, report it. If the camper van is stolen while the security requirement set has not been met, the claim will be rejected or reduced. What you have to declare on the application is governed by Article 7:928 of the Dutch Civil Code.
What falls outside the cover
Not covered are hire to third parties or carrying passengers for payment, permanent occupation in the camper van, driving without a valid licence or under the influence, damage caused by wear, rust, damp and deferred maintenance, and frost damage to the water system where the camper van has not been prepared for winter. Intent remains excluded under Article 7:952 of the Dutch Civil Code. Loss of value after a properly executed repair is likewise not paid for.
Driving outside the Netherlands
Check the territorial limits on the green card, particularly for travel outside the European Union. A breakdown on the road is not accidental damage and does not fall under own-damage cover; separate assistance cover is needed for that, with a distinction between assistance in the Netherlands and assistance abroad. Also check whether replacement transport or accommodation is arranged, because a camper van cannot simply be replaced by a hire car.
What does your premium depend on?
- List price and year of manufacture: including the body and factory-fitted options
- Cover chosen: third-party liability only, third-party, fire and theft, or comprehensive cover
- Valuation arrangement: market value or a fixed depreciation in the first few years
- No-claims years: built up on the camper van or transferred from a car
- Storage and security: locked site, alarm class and mechanical security
- Accessories and equipment insured: awning, racks, solar panels and the camping contents
Insurers weigh these details differently. That is where your saving is.
What is covered
| Situation | Third-party liability | Comprehensive |
|---|---|---|
| The camper van rolls off the drive and damages the neighbours' car | Yes | Yes |
| A stone thrown up by the vehicle in front chips the windscreen in the Alps | No | Yes |
| You hit a tree while manoeuvring on the campsite and dent the side wall | No | Yes |
| A gust of wind pulls the extended awning out of its rails | No | Provided that |
| Your bicycles are stolen from the bicycle rack during a stop | No | Provided that |
| The fridge fails on the road because of a fault in the control unit | No | No |
In the event of a total loss it is not the column but the value arrangement on your policy schedule that determines what is paid out.
Frequently asked questions
This is what people ask us most.
May I lend my camper van to family or through a platform?
Free use by a known driver is usually permitted, provided that person meets the age and licence requirements. Hire for payment, including through a sharing platform, falls outside a private policy and calls for separate hire cover. If someone drives it uninsured, the third-party liability under Article 2 WAM still applies, but the insurer can recover the loss from you.
What counts as the contents of the camper van?
The items you take with you that are not permanently attached to the vehicle: clothing, crockery, bedding, camping furniture and kitchen equipment. Electronics, jewellery and sports equipment almost always have their own limit or are excluded. Theft is normally only paid for where there are signs of forced entry; so do not leave valuables visible in a parked camper van.
Is damage during winter storage paid for?
Only if the camper van remains insured during that period. Some owners suspend the registration with the RDW (the Dutch vehicle authority) to save premium; third-party liability cover then lapses and often part of the own-damage cover as well. Discuss in advance which cover continues during the suspension for fire and theft on the storage site, and what the requirements are for that site.
How is the loss assessed?
Usually by an expert who sets the repair costs against the value of the camper van. If the repair works out higher, a total loss follows with payment according to the value arrangement agreed. Article 7:960 of the Dutch Civil Code limits the payout: the loss must not put you in a clearly better position. Keep invoices for fitting-out and accessories, otherwise they are left out of the calculation.
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