Many people wonder whether insurance for a motorhome or caravan is mandatory. That is somewhat confusing because something different applies to both camping equipment. Insurance is compulsory for campers, but not for a caravan.

Camper insurance A motorhome is a motor vehicle and must therefore at least be insured for the legal liability with liability insurance. This covers damage to third parties. With this insurance you are not covered for damage to your own vehicle. The own damage to the camper can also be insured with a more extensive variant of the liability insurance.

Caravan insurance A caravan insurance is not required by law. Along the way with a caravan this is linked to your car. The car has a legal liability insurance, this also applies to the connected caravan. When you cause damage to others, it is covered by the liability insurance of the car insurance. However, the damage to the caravan is not covered. That is why it is wise to think about caravan insurance. So that the damage to your own caravan is also covered.
If a caravan is parked and is not linked to a car and causes damage, then it is not possible to rely on the liability insurance of the car. In this case you can use a personal liability insurance, if it is taken out. Liability insurance is not required, just like caravan insurance.

With a motorhome or caravan insurance, the more extensive the coverage, the higher the costs. The cheapest insurance policies are therefore usually third-party insurance policies. But there are also many other options. To determine which coverage variant suits you best, you can, for example, look at the value of the camper or caravan. For an older model, liability insurance is enough. But for a new copy with luxury and extras, it is wise to extend the liability insurance with a full body. Be well informed about the possibilities and options.

When taking out insurance it is wise to think about the contents of the camper or caravan. You can choose how extensively you want to insure this. The insurance depends on the value of the household effects. Maybe you bring a bicycle or a laptop? For this it is wise to take out insurance that covers the loss or theft of these items.

Passenger insurance is not required. In addition to the various insurance policies for motorhomes or caravans, it is also wise to think about passenger insurance. With a passenger insurance you are covered for damage such as medical treatments, loss of income and other costs that come with personal injury. This insurance can also be taken out for a co-driver.

Do you often go abroad with a camper or caravan? Then it is advisable to look at the coverage level of your insurance in the country where you are going on vacation. When taking out a motorhome or caravan insurance policy, the coverage area differs per provider. One insurance only provides coverage in the Netherlands and the other insurance only assistance in the Netherlands and Europe. It is important to take out suitable insurance, especially for destinations outside of Europe.