What coverage should I take out for a caravan older than....
When taking out caravan insurance, you have a choice of different coverages, including, for example, daily value coverage or new-for-old value coverage. When choosing coverage, the age of your caravan plays a particularly important role. A new caravan is often covered differently than an older caravan. At Alpina.nl we are happy to explain which coverage is best for your caravan.
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5 years?
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. For the following damages, you will be paid the new-for-old value :
- Damage caused by fire, explosion, self-ignition, lightning, storm and hail
- Theft of the entire caravan
- Damage caused by collision, rollover, going underwater or off the road and skidding
The following damages are also covered:
- Glass damage to the awning caused by storm or fire
- Damage caused by inherent defect
10 years?
For somewhat older caravans, from about 5 to 15 years old, you can take out caravan insurance with daily value coverage. You are then insured for:
- Damage caused by fire, explosion, lightning, self-ignition, storm and hail
- If the caravan is stolen you will be paid the current market value
You can also co-insure collision damage. However, you must specify this separately when taking out caravan insurance.
20 years?
You are not required to have caravan insurance. If you cause damage to another person with your caravan while towing the caravan with your car, it is covered under your car insurance policy. However, damage to your caravan is not co-insured. For very new or expensive caravans, it is always wise to purchase caravan insurance. If your caravan is older, you can also ask yourself whether you might be able to bear the risk of damage yourself. This is entirely up to you. However, caravan insurance is not very expensive; for a few tens of dollars per month you already have caravan insurance. You may never need caravan insurance, but then you will be insured in case of major damage.
Get caravan insurance through Alpina!
Whether you want to insure a caravan that is 5, 10 or 20 years old, we always have a suitable caravan insurance policy at Alpina. Start by comparing caravan insurance. This way you can already calculate an indication of the premium.
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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