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Should a caravan have auto insurance?

Verified 16 December 2019 - Directorate for Legal and Administrative Information (Prime Minister)

Yes, if the caravan is to be put into circulation. However, if it is for residential use, you do not have to take out car insurance. However, if you want to install it in an authorized location, you will need to purchase liability insurance.

Caravan put into circulation

Caravan up to 750 kg

The caravan which is put into circulation must have an insurance car with at least liability guarantee.. Some insurance may provide (for a supplement or not) that the car insurance also covers the caravan whose weight does not exceed 750 kg.

Before putting a caravan of less than 750 kg into service, you must first check whether your auto insurance contract provides for the automatic and informal handling of this type of vehicle.

If this is not the case, you must notify your insurer so that it can inform you of the conditions for extending your caravan auto insurance contract.

Once you have reached an agreement with your insurer on the terms and conditions of insurance for the caravan, they will write a attractive to your contract, which will serve as a proof in case of control.

Your insurer may require you to make special arrangements, such as a safety system for gas-powered equipment.

Warning  

if you have made arrangements for the caravan, you must declare them to your insurer and verify that they are covered by your contract.

Caravan over 750 kg

The caravan which is put into circulation must have an insurance car with at least liability guarantee.. When the weight is greater than 750 kg, it must be insured in a separate contract from the vehicle.

Of additional guarantees may be subscribed, in particular as regards the following guarantees:

  • "Accident damage" means
  • "fire-explosion",
  • "theft" and "break and enter" (for objects inside the caravan),
  • "storm",
  • "natural disaster" and "terrorist acts",
  • "legal protection".
Caravan for residential use

You do not have to buy car insurance. But you must purchase liability insurance to be able to install your caravan in a authorized location..