When you go on vacation, you don't want this to be ruined by the rain. If you travel to popular summer holiday destinations, you probably won't need that rain insurance. In the Netherlands you never know what the weather will do, if you are unlucky it rains part of your holiday or worse your whole holiday it rains. The insurance companies play well on this and offer the rain insurance.

In the Netherlands you can insure almost everything. Insurers like to play on this and offer the rain insurance. Some people expect that when taking out this insurance, they are insured of good weather that is obviously not so. You can take out insurance with an insurer or at the end of your holiday. On many holiday parks in the Netherlands, rain insurance is now also offered through the travel organisation or directly at the holiday park itself. You need to check for yourself whether it makes sense to take out insurance. It's not nice when your holiday is ruined by rain, but there are plenty of other fun things to do when the weather isn't nice.

Action Lines:

• The rain insurance only looks at the number of fallen millimeters more than previously agreed in the policy. It's not looking at how long it's raining.
• It is measured with a weather station nearby. Now it may be that a few miles away at the weather station has rained no less than where you are celebrating your holiday. We look at official KNMI weather stations.
• The costs (premium) are expressed as a percentage of the insured amount per part of the day or for a certain period of time. The higher the insured amount, the higher the premium is.
• A variant of the rain insurance is the sunshine insurance. This will pay a pre-discussed amount if there is less hours of sun on a given day or period than is stated in the policy.

Is it necessary to take out a rain insurance policy?

You can receive a compensation if it rains during the period you are on vacation. The policy states how much more rain needs to fall to be able to claim this. An amount is agreed in advance that the premium payer of the rain insurance can claim back if it rains more than stated in the policy. It must be said that it is only about the number of cases millimeters, not about the number of hours it rains. It may be that it rains gently throughout the day but not enough rain has fallen in millimeters. You can not claim the rain insurance.

Conclusion

Dutch people love to insure business. So you can now also insure for the bad weather during the holidays. The rain insurance will pay you a pre-agreed amount if it has rained more than stated in the policy on a certain day or period. The premium to be paid is a percentage of the insured amount. In my opinion, the rain insurance is an insurance that insurers have come up with, because they know that Dutch people like to insure themselves in good weather. Of course, this is not so, this insurance does not insure your holiday from good weather. Think about it before you take out this insurance when booking your holiday.