Michael's Niewiadow Caravan

Fully comprehensive insurance

• Covers damage caused by collision, fire, natural forces (such as hail, falling snow, and snow slides), theft, animal-related damage, broken glass, and vandalism.
• It does not cover interior space damage or damage resulting from operating errors.

Third party liability

• Protects you as a renter against damage caused to another vehicle or property.
• It acts as supplementary coverage to your mandatory motor vehicle liability insurance.
• For caravans, liability coverage is provided by the towing vehicle.

Covers costs for accidents, breakdowns, vandalism, or theft within Europe.

Insured services:

• On-site breakdown service and towing
• Parking fees up to CHF 250
• Camper recovery up to CHF 5000
• Spare parts forwarding if unavailable on-site
• Return or onward travel (up to CHF 1000 for public transport or CHF 500 for a rental vehicle)
• Overnight stay (up to CHF 150 per passenger, max CHF 1200 per case)
• Return transport of an unroadworthy vehicle to Switzerland or its usual garage
• Incident-related services (taxi, rental car, return flight)

In case of an accident or damage, it reduces your out-of-pocket cost from EUR 2,195.78 to EUR 219.58.

Covers damage to interior components (including furniture, windows, blinds, electrical equipment, gas, and water systems) caused by sudden destruction from external or personal influences, excluding operational errors. For vehicles with a roof tent, this also covers damage to the roof tent interior. Deductible per claim: CHF 200.

Covers theft, damage, and loss.
Sum insured of up to CHF 5'000: deductible of CHF 50