Is caravan insurance mandatory?
With the caravan you can cause damage to others in traffic. Do you need caravan insurance for this or is car insurance sufficient for you in case of damage?
For a caravan, you paid a considerable amount of money when you bought it. It is logical that you choose to take out caravan insurance. In case of damage, you prefer not to pay the repair costs of, say, a few thousand euros yourself. Caravan insurance is certainly recommended, but not mandatory.
Taking out caravan insurance? Calculate your premium!
Why isn't caravan insurance mandatory?
Motor vehicles are subject to insurance requirements. A caravan cannot propel itself and is therefore not a motor vehicle. If you cause damage in traffic with the caravan, the liability damage caused will be borne by the insurer of the towing motor vehicle.
Example
Due to a wrong steering maneuver, the caravan coupled to a car ends up on the left side of the road and hits a passing car. The other party's damages are paid by the insurance company of the towing vehicle. Thus, it makes no difference whether the caravan did the damage or the towing vehicle.
Who pays for damage to your caravan?
If your caravan is damaged while coupled to your car, you cannot claim the damage on your car insurance policy. This is because you cannot hold yourself liable for damage to your own belongings. With caravan insurance, you can put together the most appropriate coverage for your caravan. In case someone else is liable for the damage to your caravan, you can hold the perpetrator liable. If it cannot be recovered from a liable party, you may hope that you have caravan insurance.
The coverages in caravan insurance
You can make several choices. For example, you can include hail damage insurance, or you can leave this risk out. In recent years, compared to previous years, hail damage has become more frequent. So including insurance is smart. Especially if you take your caravan on vacation to the South. For example, around Lake Garda, hailstorms are relatively common. You can separately insure for example a tent and a mover.
Can you run the risk yourself?
Just because caravan insurance is not mandatory does not mean you can do without it. In the worst case scenario, the caravan is stolen or burns out completely. Without caravan insurance, no payment will follow and you will therefore be responsible for the damage yourself. For a few tens per month, you can place such heavy risks with the insurer. You will probably never need caravan insurance, but since there is a chance of a major loss anyway, you prefer to insure the risk.
Never underinsured
Put together your own package
A wide range
We compare all insurers for you, saves time again
Help from our experts
Can't figure it out? Our experts are always ready to help you
We can be reached via chat, WhatsApp, phone or email
Questions? Contact us if you want to know more.
We are here Monday to Friday from 08:00 to 18:00.