Additional coverages with RV insurance

When taking out RV insurance , you can also choose certain additional coverages. These include insuring legal assistance in recovering your damages from the other party. You can also insure the occupants for damages caused by an accident. Don't forget the inventory of the motorhome, either.

RV insurance provides coverage for damage done to others and possibly to the RV itself. You may feel the need or necessity to insure more than just the RV and liability to others. In addition, you can choose one of the following additional coverages.

Recourse Legal Assistance

For damage caused by others, you can hold the person responsible liable. If your camper has comprehensive insurance, the insurer will do that for you. With the WA and WA limited casco you do it yourself. Legal assistance also entitles you to legal assistance. This can be useful in case of legal issues with the other party.

Indemnity insurance

Due to an accident, your passengers may also suffer damages. It may be material damage or personal injury. The amount of material damage is often manageable. The same is certainly not true of personal injury. The passengers' health insurance company will cover the medical expenses, but the financial damage can be much greater. In the case of permanent disability, the damage can run into the hundreds of thousands of euros. The passenger indemnity insurance pays out a maximum of €400,000 in an accident. The driver of the motorhome also receives benefits in the event of damage. Of course, you cannot claim damage to the motorhome on this additional insurance.

Insure the inventory of the motorhome

Motorhome insurance does not provide coverage for damage to inventory. This is because this is not part of the motorhome, thus excluded for motorhome insurance. Nevertheless, a fully equipped motorhome represents a high value of inventory. You can co-insure the inventory up to a maximum of €10,000. Regardless of the coverage chosen for the motorhome, compensation is given for the stolen inventory in case of burglary. At least, if you have additional insurance.