Caravan insurance legal expenses: how does it work?
You go on holiday to France with your caravan to enjoy the sunshine. Everything is packed and you can drive on the Route du Soleil, but suddenly you have an accident. This is, of course, already annoying in itself. And then the next question arises: how are you insured? And how is your caravan insured?
The caravan is also insured under the third-party liability insurance (WA) of the car. But do you have more comprehensive insurance for the caravan? Do you have legal assistance for your caravan abroad that can help you with any damage claims? In this article we will briefly discuss the caravan insurance and further on the legal assistance insurance for your caravan.
Which insurances are possible with a caravan, besides the legal assistance insurance abroad?
In general, caravan insurance has three different types of cover. Besides the legal liability insurance, where the caravan is covered through the car insurance, there are additional options available. The additional insurances are: the standard coverage, the extended coverage and the extra extended coverage. You can also insure your caravan with additional options. For example hail damage, inventory coverage and legal assistance. Depending on your wishes for the insurance, you can make well-considered choices.
Legal expenses insurance for your caravan?
When you think about a legal expenses insurance for your caravan you probably think: is this really necessary? Of course, this depends on the situation. But considering the value of an average caravan, it certainly cannot do any harm. Incidentally, there are a number of different options when it comes to legal expenses insurance. More about this later...
In traffic, things often go well, but an accident can happen at any time. Conflicts can quickly arise when you are driving with your caravan. In a foreign country, where you probably do not master the language well enough, difficult situations may arise. Defending your legal position can become difficult. These situations can also involve enormous costs. With a legal assistance insurance for your caravan you can take out legal assistance for the following forms: traffic, criminal and contractual legal assistance. Both at home and abroad.
Most insurers cover the following in your caravan's legal expenses insurance:
- Recourse legal assistance: Recovering damage to the caravan from a legally liable third party;
- Contractual legal aid: legal aid for contractual matters relating to the caravan, such as purchase, guarantee, maintenance and storage;
- Criminal legal aid: legal aid if you have to appear before the criminal court for an offence committed in connection with the caravan. If criminal prosecution can be avoided by a fine or commutation, most insurance policies do not cover this damage.
Depending on the cover you choose, you will have legal assistance for your caravan. You can often compile the various coverages yourself. This way you can choose what you want to insure and what not. The premium you pay for such insurance therefore depends entirely on the scope of the legal assistance insurance you choose for your caravan. With legal assistance insurance for your caravan, you can in any case go on holiday with an easy(er) mind.
More information about insurance? Check out the options at Alpina!
Do you want to take out caravan insurance legal expenses? Then you have come to the right place at Alpina. At Alpina you always get the most complete insurance at the right price. Do you have any questions about insurance? Please contact us or request a no-obligation quote.
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