Caravan insuranceCaravan insurance covers your caravan and accessories
The lowest deductible for caravan insurance is 150 euros.
Cover that suits your needs
You can choose either Maxi Motor Insurance or the cheaper Medium Motor Insurance for your caravan.
As an owner-customer, you will get a discount on your policies and also receive OP bonuses.
Caravan insurance covers both travel and storage
It is easy to enjoy the freedom you get with a caravan when you know the insurance is there to protect you both on the road and during winter storage. We recommend that you take not only the mandatory motor liability insurance but also comprehensive motor vehicle insurance that covers losses to your caravan.
Both of our caravan policies, Maxi Motor Insurance and the cheaper Medium Motor Insurance, cover fire and theft losses. Select Maxi Motor Insurance if you want coverage to include collisions or, say, a tree falling over the caravan.
Cover also for fixed accessories
A caravan with mod cons is like a summer cottage on wheels. This is why it is good that caravan insurance also covers losses to the fixed accessories, such as standard refrigerator or cooker. Caravan insurance also covers any fixed awning tents or canopies.
Please note, however, that damage to, for example, any separate electrical equipment or other property brought into the trailer are not covered by the trailer insurance but your home insurance. Home insurance covers damage for up to 5,000 euros as a rule. If items are stolen from a campervan parked outside your home, place of study or holiday home or within a 50 km radius from them, the maximum compensation is 1,000 euros.
Before the caravanning season begins, check that the gas hose and the joints have no leaks. You can do this by, for example, spraying mild soap water over the hoses to detect any leakage.
Lock the caravan properly
The caravan must always be locked properly or stored in a locked space. In addition to locking the door, it is also important to lock the caravan with another lock or device, preventing it from being moved or coupled to a drawing vehicle.
If your caravan is nevertheless stolen, report the theft first to the police and then inform us. A loss report is easy to do online or in OP-mobile, which you will also receive a claim settlement decision more quickly.
If you are our owner-customer and have policies from three product lines, you are entitled to an almost 10% discount on most policies and a discount of nearly 18% on comprehensive motor vehicle insurance with no-claims bonus. If you are aged between 18 and 27, you can get a 21% discount on almost all home and family insurance policies.
- A 40% increase in the sum insured under life insurance
- 200-euro benefit of the deductible under MyHome Insurance
- one-year, free-of-charge life insurance for parents with a child under one year of age
Owner-members not only get OP bonuses for home, family and vehicle insurance premiums, but also for
- savings and investments
- funds in accounts
- purchases you have paid with OP-Visa credit.
OP bonuses are used for the bank’s service charges and insurance premiums.
The insurance is issued by Pohjola Insurance Ltd. OP cooperative banks are acting as Pohjola Insurance Ltd’s representatives.