What additions are available with RV insurance?
In addition to RV insurance, you can choose to purchase additional policies. Which ones can you choose and what is the function? Not all additions are always advisable. You want to avoid having double insurance coverage. Only take additional coverage on your RV insurance if it really adds value.
Take out motorhome insurance? Calculate your premium!
Insuring yourself and your passengers
In motorhome insurance you insure liability for damage caused by the motorhome. Optionally, you can also insure damage to your own motorhome. There are two additional insurances to ease the financial suffering for yourself and your passengers in the event of an accident.
Accidental occupant insurance
An accident can result in serious injury or death. Accidental occupant insurance provides lump sum compensation in the event of personal injury. This is a payment in the event of permanent disability and death of the driver and/or passengers. You can partly determine the amount. In case of disability, the benefit is not sufficient to make up for the loss of income due to the disability. Most policies involve a benefit of tens of thousands to about one hundred thousand euros, and in the event of death, a lower amount is insured. Basically, you can determine the number of people you want to insure. Click here for more info.
Occupant damage insurance
This insurance is more expensive than accident passenger insurance, but the coverage is also much broader. In addition to paying out for personal injury, this insurance also pays out for property damage resulting from an accident. For example, there is coverage for damage to passengers' belongings. In terms of personal injury, passenger indemnity insurance is also much broader. Both driver and passengers are paid the actual damages suffered. Suppose a passenger becomes disabled due to an accident with the motorhome. From the passenger's indemnity insurance follows a payment where the injured party is fully compensated. This can total hundreds of thousands of dollars in permanent disability.
Recourse legal expenses insurance
In some situations, you have to make your claim to the person who caused the damage. Normally this is not necessary with the most extensive WA casco insurance. This is because the insurer itself already pays for the damage to your motor home. If your motor home has third-party or limited liability insurance, you are not insured to recover your damages from the other party. For this you can take out legal assistance insurance. The insurer will then recover your damage for you.
Legal expenses insurance for motor vehicles
This insurance also takes care of recovering damages from the perpetrator, but the coverage is broader than the recourse legal expenses insurance. You can also use the insurance for a dispute with a car dealer, for example, or in the event of a disagreement over repair costs with the garage. You can even turn to this insurance for legal help in case of criminal prosecution due to an accident. However, there may be specific requirements for using motor vehicle legal expenses insurance.
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