When is compensation paid?

With standard caravan insurance, you are insured for a number of things, including fire, explosion, theft, burglary and storm. When compensation is paid in the event of damage depends on a number of factors. First, it is important that you report the damage as soon as possible to the insurer or to us. That way, the damage settlement can be set in motion quickly.

For costly damages, the insurer may use a claims adjuster. This expert can estimate the extent of the damage. He or she will also look at how the damage occurred. Whether your claim will be paid depends on how you are insured for the damage and how the damage occurred. The differences between insurers are large and can also differ per coverage. Therefore, always check your policy conditions to see how you are insured and in which cases compensation is paid.

Is the damage caused insured on the caravan insurance policy? Then the compensation is paid to yourself or to the damage repairer. However, you usually have to take into account a deductible. You will have to pay this yourself. Whether you have a deductible, and how much, depends on which insurance policy you have. You can find this on your caravan insurance policy.

When will compensation not be paid?

In some cases, no compensation will be paid on your caravan insurance policy. For example, if it appears that you handled your caravan recklessly. Or if you have deliberately caused damage to your caravan in order to falsely claim compensation. In addition, as with car insurance, damage caused under the influence of drink or drugs will be excluded from coverage. Damage due to wear and tear, scratches or poor maintenance are also not covered by your caravan insurance policy. No compensation will be paid in these cases.

Consequences of wrongly claiming compensation

Insurers assume that you are honest about the claim you file. The moment an insurer finds out that you are falsely claiming compensation, there are serious consequences. The moment there is insurance fraud, the policy will be stopped immediately. Moreover, you will be placed on a so-called "black list" (the CIS register). The consequence of a CIS registration is that it makes other insurers reluctant to insure you. It can be extra difficult to get insured then. Moreover, the premium will then be many times higher.