What damages does caravan insurance cover?
Having caravan insurance is not mandatory in the Netherlands, but it can still be wise to take it out. In case of damage, for example. What kind of damage does caravan insurance cover? With caravan insurance the damage to your caravan itself is covered. Such as in case of fire or theft. In some cases, hail damage is also covered, but this depends on the insurer. Moreover, insurers use all kinds of exclusions, so check carefully what is and what is not insured in case of storm damage.
If you tow a caravan with your car, you are automatically covered under your third-party insurance. This means that if you cause damage to another person with your caravan, it is covered under your third-party insurance of the car. Suppose you hit another car when reverse parking with your caravan, then this damage to the other vehicle is covered. Damage to your own caravan is not covered.
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Caravan insurance coverage
With standard caravan insurance you are insured for a number of things, such as fire, explosion, theft, burglary and storm. Note that damage caused by hail and storm is not covered by all insurers. You can often take out additional insurance for this. In addition to the caravan itself, the awning and any extension are often also insured. Depending on your policy, damage to your inventory will also be covered. Sometimes there is also legal assistance insurance. Salvaging or clearing your caravan may also be included in your insurance, but again this depends on your insurance policy and the coverage you choose. As you can see, the differences between insurers can be significant. So it is wise to compare the different caravan insurance policies carefully before purchasing insurance.
What damages does caravan insurance not cover?
As briefly mentioned above, storm and hail damage is not always included as standard in caravan insurance. You can take out additional insurance for this separately. What is not covered by caravan insurance? If you handle your caravan recklessly, the insurer will not pay for the damage. Even if intentional, no payment will be made. In addition, just as with car insurance, damage caused under the influence of drink or drugs will not be covered. In addition, damage due to wear and tear or poor maintenance will also not be covered by your caravan insurance policy.
How can I report damage?
Do you have damage to your caravan? Then it is important that you report it as soon as possible to the insurer or to us. Reporting the damage immediately is important to prevent further damage. Take pictures of the situation and the damage immediately. This can be important for a payment from the caravan insurance. In the first instance, you can report the damage by calling 088-688 3717. However, you should always complete a claim form as well. Click here to report your damage online.
Which bodyshops do you recommend for damage?
Which bodyshop you choose also depends on who your insurer has contracts with. Each insurer has its own agreements with repair shops. So always contact your insurer or intermediary in advance to check which repair shop is in your area. You can also find these on your green card. If you have your caravan repaired by a non-affiliated repairer, there is often an increased deductible.
Insurance payout after damage
Especially for expensive damages, insurers hire an expert. This assesses the value of the caravan. The insurer will also estimate the amount of the damage. The surveyor may also look at how the damage occurred. This can be important in connection with the conditions of the caravan insurance. Is the damage caused insured on the caravan insurance? Then a payment will be made to you or to the damage repairer. Please note the excess. This part remains for your own account. The caravan insurance policy states whether a deductible is payable and how much.
Damage pay but, not repair.
The question now is whether you are obliged to have the damage to your car repaired with the amount paid out by the insurer? No,in most cases not. But some insurers have included in their policy conditions that in case of "non-repair" a lower amount will be paid. In this case it may be more advantageous to have your caravan repaired immediately. Check the terms and conditions of your insurance policy to see what applies to you.
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