In the Czech Republic a caravan is registered as a separate vehicle with its own licence plate, so it needs its own compulsory third-party liability insurance. Compulsory cover typically costs CZK 600 to CZK 900 a year, while comprehensive insurance for a caravan worth CZK 400,000 to CZK 800,000 runs to roughly CZK 7,000 to CZK 12,000 a year. In a sample calculation for a 2020 Adria Aviva caravan valued at CZK 500,000, a Generali Direct policy with a CZK 50/50 million limit and a 5% excess (minimum CZK 5,000) costs CZK 10,702 a year, and an offer with a CZK 70/70 million limit and a CZK 7,000 excess costs CZK 13,386 a year. Comprehensive cover includes accident, theft, vandalism and natural disaster damage, and separate baggage insurance is recommended for equipment not permanently fixed in the caravan.
