What is the premium of caravan insurance?
When you purchase caravan insurance, you pay an insurance premium. The premium is the amount per period you pay to your insurer for your caravan insurance. In most cases, you can choose to pay the premium monthly, quarterly or annually. The differences between insurers can be large. So comparing your caravan insurance is always advisable. The premium of a caravan insurance also depends on a number of factors, such as coverage, year of construction and excess amount.
Taking out caravan insurance? Calculate your premium!
How to calculate my caravan insurance premium
The moment you are about to purchase caravan insurance, you naturally want to know what it will cost. On Alpina.nl you can easily and quickly calculate the premium for your caravan insurance. To properly calculate the premium, we need some information about the caravan. After entering the data, you will receive an overview of premiums and conditions that best fit your given information. Under the "info" button you will find more information about the coverage in the policy. This way you can select the cheapest caravan insurance with the coverage that best suits your caravan.
How is caravan insurance premium determined
Your caravan insurance premium is determined based on the details of your caravan and the desired coverage you choose. On Alpina.nl you can enter this information into our premium comparator. Generally, these are questions you can answer off the top of your head probably. For example: year of construction, dimensions, new and purchase value are important factors in determining the premium. In addition, we also ask about the value of the: awning/awning, any attachments, contents and/or mover. Based on this information, a calculation is made and we look at which caravan insurance best suits your needs and situation.
What determines a caravan insurance premium?
The premium for caravan insurance depends on a number of factors. Obviously, the type of coverage you choose is important to the amount of the premium. For example, whether or not to include hail damage coverage is a very determining factor in the premium. Including or not including hail damage makes a very big difference. We see that weather conditions are becoming more and more severe. Storms and hefty hailstorms are becoming more common. Because of this, hail damage is usually no longer covered by standard coverage. It is highly advisable to take out additional insurance with coverage for hail and storm damage. If your caravan has a hail-resistant roof, you often receive a substantial discount on the premium.
The premium also depends on the amount of the deductible. There are large differences between insurers in the deductible for caravan insurance. On average, the deductible is between €0 and €150. In some cases you have no excess, but then you are obliged, for example, to have damage repaired by a damage repairer of the insurer. When comparing caravan insurance, it is therefore important to carefully read the policy conditions so that you know exactly what you are and are not insured for.
Also read our blog : Going on vacation with the caravan? Check your caravan insurance
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