A caravan means freedom, adventure, and relaxation — whether you’re driving to the south of France every year or enjoying quiet weekends at a nature campsite in the Netherlands. Just like with any valuable possession, it’s wise to insure your caravan against damage, theft, or unforeseen circumstances. That way, you can travel worry-free — wherever you are.
Caravan Insurance
How does caravan insurance work?
Caravan insurance typically covers:
- Fire
- Theft or break-ins
- Storm and hail damage
- Vandalism
- Collision or accident damage (under all-risk)
You choose your level of coverage (limited or fully comprehensive) and can also insure accessories or contents. We’ll make sure the policy matches both your caravan and your travel style.
Can I insure a caravan that’s over 20 years old?
Yes, in most cases, you can still insure a caravan that’s over 20 years old. However, the following usually applies:
- Coverage may be limited (e.g., no reimbursement for new-for-old value)
- Insurance may be based on the current market value or an appraisal
- A technical inspection may be required by some insurers
We assess your situation and find a suitable insurer for your caravan.
Can I insure a second-hand caravan?
Absolutely. Second-hand caravans are insured all the time — the key is that you:
✔ Can prove its value (via receipt or valuation)
✔ Know the condition of the caravan
✔ Ensure the chassis number is documented
We’ll make sure your second-hand caravan is properly covered, with no surprises.
Is my caravan insured while on a campsite?
Yes — with caravan insurance, you’re typically covered at campsites for:
- Fire
- Storm or hail damage
- Vandalism
- Break-ins or theft (with adequate security)
⚠️ Long-term parking or seasonal pitches aren’t always included in standard coverage. We’ll help you get the right policy based on your use.
What is the deductible for caravan insurance?
The deductible depends on the insurer and your chosen coverage. It typically ranges from €100 to €250 per claim. In many cases, you can opt to lower (or raise) your deductible in exchange for a higher or lower premium.
We’ll advise you so you know exactly what to expect if you ever need to make a claim.
Is the caravan’s interior (contents) insured?
Yes, contents such as kitchenware, camping furniture, or clothing are often insured up to a certain amount — for example, €2,500. High-value items like electronics or jewelry may require additional coverage.
Not sure whether your belongings are covered? We’ll find out for you.
Is a technical inspection required for insurance?
Not usually. In most cases, an inspection is not mandatory to insure a caravan. However, for older caravans (usually 20–25+ years), some insurers may require a technical report or valuation, especially if you want all-risk coverage.
Is my caravan automatically insured when attached to my car?
Only third-party liability (WA) is temporarily covered through your car insurance while towing. Damage to the caravan itself, or theft when detached, is not insured unless you have a separate caravan policy.
If you also want damage to your caravan covered, a separate insurance policy is required.
Is it worth insuring a caravan?
Yes — especially for caravans of higher value or frequent use. Damage or loss can cost thousands of euros. Good insurance protects you from having to cover those expenses yourself.
In short: it’s a small investment for a lot of peace of mind.
Want to travel worry-free?
Let us arrange your caravan insurance — personal, reliable, and tailored to your needs.
Why Choose Insurance Through De Financiële Alliantie?
At De Financiële Alliantie, we look beyond just the lowest premium. We compare the top insurers in the Netherlands based on:
- Premiums
- Policy Conditions
- Customer Satisfaction
- Claims Handling
This way, you can be sure you’re not only getting an affordable deal, but also the right coverage. Want to find out which insurance suits you best? Request a free comparison or schedule a no-obligation consultation.
