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What does caravan storm damage insurance cover?

You have been looking forward to it all year, and now it is time. Summer has begun and the holidays can start. Taking the caravan out into the sunshine to relax and unwind. At least, that was the intention. Because from the second day on, there is nothing but heavy rain and strong wind... To make matters worse, a large branch breaks off from the tree where you are standing with the caravan. Fortunately, there are no casualties, but your caravan does get a big dent...

Now you may be thinking, "fortunately, I am insured for this. But is this really the case? Is your caravan always insured against storm damage? And are there any exceptions to this? In this blog, Alpina answers all these questions about caravan insurance storm damage.

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Full coverage against storm damage with the right caravan insurance

A standard caravan insurance policy does not cover everything. Most insurances only cover theft and fire damage in the basic policy. Would you like to be fully compensated for storm damage? Please pay attention to the following points.

caravan storm damage insurance

Basic policy or supplementary?

Some insurers cover storm damage in the basic policy. However, certain items are often excluded from compensation. Think of hail damage, or damage caused by falling objects, such as broken branches. What is usually compensated is damage by heavy rainfall, also called water damage, and damage by lightning.

Do you also want to insure your caravan against hail and other storm damage? Then you will have to take out additional insurance. The additional insurance consists of several policies you can choose from.

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The price of your insurance

The cost of your insurance depends on the coverage. If less is covered, the price will be lower. However, this is not necessarily always the right choice. Therefore, you should carefully weigh up what you need and what you do not need. Are you going on holiday to a country that is known for its heavy rain? Then it might be wise to take out a more extensive cover.

Also covers other types of damage with caravan insurance

Your caravan can suffer many other types of damage besides storm damage. What if you park your caravan just a bit too tight on the campsite? You hit a pole or a tree and your caravan is covered with dents and scratches. It is nice to be insured for this as well.

However, this kind of damage almost always falls outside the basic policy. You should therefore take out additional insurance for this, on top of your basic policy. Are you travelling to a country with narrow roads and narrow passages? Then an additional insurance is recommended. Damages such as dents and scratches can quickly become very expensive. It is better to spend a few euros extra per month than thousands of euros in service and repair costs.

Take out your caravan storm damage insurance through Alpina: simple and affordable

Are you considering caravan insurance? Then take it out now at Alpina! Thanks to our different modules, you always get the right insurance. Do you still have doubts or questions about our caravan insurance storm damage? Please feel free to contact our customer service. They are ready to answer all your questions.

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