When do I need caravan insurance?
Often a caravan is used primarily in the spring and summer. That means it is stationary for most of the year. So is it necessary to have caravan insurance? Although caravan insurance is not mandatory, it may be wise. The times you take your caravan out, you obviously want to enjoy it. A severe hailstorm or storm can cause quite a bit of damage to your caravan. Not only will this ruin your vacation, but without caravan insurance you'll end up paying for the repairs yourself. At Alpina.nl we tell you why caravan insurance is a good idea.
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Caravan insurance not required by law
If you buy a caravan, you are not required to also purchase caravan insurance. If you tow the caravan with your car and cause damage to another person, this will be covered by your third-party vehicle insurance. This covers liability damages and is required by law. Is your own caravan also damaged? Then you have to pay the repair costs yourself, because this is not covered by your car insurance. If you want to have this insured as well, you need to take out caravan insurance.
Why buy caravan insurance if you don't need it?
So taking out caravan insurance is not required by law, but it may be wise. Damage to others is covered by your car insurance (as long as the caravan is hitched to the car) or by your liability insurance (if the caravan is unhitched), but damage to your own caravan is not covered. Imagine colliding with another driver in your car with caravan. The other driver suffers glancing damage, but your own caravan also suffers considerable damage. The damage to the other driver is compensated, but the repair costs to your caravan are at your own expense. Or you are standing with your caravan at Lake Garda and are hit by a severe hailstorm. As a result, there are some substantial dents in the roof of your caravan. Unfortunately, you are not insured for this without caravan insurance.
Are you still unsure whether to buy caravan insurance? Then take a look at your caravan. Do you have an older, used caravan? Then caravan insurance is usually not immediately necessary because the caravan does not have a high daily value. With a very new or expensive caravan, caravan insurance can sometimes be wise, because the repair costs for a new caravan are a lot higher.
Take out caravan insurance through Alpina
Are you going to insure your caravan? Then use the online comparison tool to compare caravan insurance. This way you can already calculate an indication of the premium and subsequently take out the best and cheapest caravan insurance. If you have any questions about caravan insurance or just want to talk to one of our insurance experts, you can always contact us. You can reach us Monday through Friday, from 8 a.m. to 6 p.m. on 088 - 6883700. You can also send us your question via message. This can be done via email, WhatsApp or Messenger. We will answer your question as soon as possible!
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