What is covered with all risk caravan insurance?
Of course, what you want most is to hit the road with your caravan carefree. Nobody wants to go on vacation only to come home with unexpected, sometimes sky-high, costs due to damage to the caravan. To be insured in case of damage to your caravan, you can take out an all-risk caravan insurance policy. This is the most comprehensive caravan insurance so that you are fully insured. At Alpina.nl we tell you all about all-risk caravan insurance.
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When do you choose all-risk caravan insurance?
Taking out caravan insurance is not mandatory. If you tow the caravan with your car and cause damage to another person, this will be covered by your third-party vehicle insurance. This covers liability damages and is required by law. Is your own caravan also damaged? Then you have to pay the repair costs yourself, because this is not covered by your car insurance. The repair costs for damage to a caravan can be considerable, especially in case of fire or hail damage, for example. Do you regularly go abroad with your caravan? Around Lake Garda and in parts of France, heavy hailstorms are relatively more frequent. Damage to a caravan caused by hailstorms is also becoming more common in the Netherlands. There are hailstorms in which stones fall with the size of golf balls or even larger. This can significantly damage your caravan in a short period of time. With all-risk caravan insurance, you are insured for this.
All risk caravan insurance
For newer caravans, up to about 5 years old, you can purchase caravan insurance with new value coverage. This is similar to all-risk caravan insurance. In case of damage, you will be paid the new-for-old value of the caravan.
Not insured
Every insurance policy also has some things excluded from coverage. Of course, each insurer may have different exclusions. So always check this in the policy conditions of your insurance. For an all-risk caravan insurance the following things are usually not insured:
- Damage caused by poor maintenance
- Discoloration, scratches and wear
- Construction defects or faults in the frame of the caravan
- Damage caused by normal (household) use, repair or cleaning
Take out all-risk caravan insurance through Alpina!
On Alpina.nl help you find the right caravan insurance. That starts with comparing insurance policies. To do this, you can use our online comparison tool. All you have to do is enter a few details about your caravan, such as year of construction and catalog value, among others, and the comparison can begin. This way you can easily find the best all-risk caravan insurance.
Do you have any questions or would you like to consult with one of our insurance experts? Then be sure to contact us! You can reach us Monday through Friday, from 8 a.m. to 6 p.m. at 088 - 6883700. You can also send us your question via message. This can be via email, WhatsApp or Messenger. We will answer your question as soon as possible!
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