What does campervan insurance cost?
Are you traveling by motorhome? Then RV insurance is a must to go on vacation with peace of mind. RV insurance is different from normal car insurance. One of the differences is that this insurance is generally cheaper than car insurance because you drive less with an RV than with a car. This means the insurance company runs less risk and can lower the insurance premium. What RV insurance costs depends on a number of factors. We'll look at them in more detail in this article.
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Average costs camper insurance
What an RV insurance policy costs approximately depends on a number of factors. First, it is important which coverage you choose. You can choose between third-party coverage, third-party + limited hull and all-risk coverage. For only a third-party insurance you will quickly spend € 700 per year and for WA+ and all-risk you will spend € 1,400 and € 2,400 respectively. Of course it depends on which additional coverage you choose. The more risks you insure, the higher the premium will be.
What do insurers base their premiums on?
By comparing, you can find out which insurer you are best off with for your RV insurance. The following premium determining factors are of great importance:
- Your zip code
- How many claim-free years have been accumulated?
- What is the value of the motor home?
- The weight of the camper
- How should the motor home be insured?
Risk area
Although you obviously don't usually drive your RV in your ZIP code area, insurers still partly let the premium depend on where you live. The risk of burglary and theft is simply higher in urban areas than in rural areas.
Claim-free years
As with car insurance, claim-free years can reduce the premium for RV insurance significantly. The premium difference between none and five or more claim-free years can be substantial. Again, comparison is important. The differences between insurers are sometimes large.
Value of the motor home
Value is an important premium determinant. This is because the value is the maximum amount the insurer must pay out for damage to your motorhome.
Motorhome weight
This has to do with the impact of an accident. A heavier RV can cause greater damage to the other party. When buying an RV, you can take weight into account. In addition, the road tax also goes up with a heavier RV.
How do you want to insure the motorhome?
Insurers offer three forms of insurance as standard. For a new RV and an older RV with a high daily value, choose all-risk. The most limited coverage is third-party.
Cost of motor home insurance depends on cover
When you go to compare RV insurance, you have a choice between the following three forms of insurance:
- Third-party coverage : Damage to your own motor home is not covered by the insurer. Only damage caused by the motorhome to others will be paid for by the insurer;
- WA with limited hull cover: in addition to damage caused to others, the insurer also pays out for certain causes of damage. For example, a payment follows from theft and broken windows;
- WA with casco (all-risk) : In addition, the insurer will pay out, for example, your own loss after an accident.
Compare costs of motorhome insurance
So what an RV insurance policy costs approximately depends on many factors. When choosing an RV insurance policy, it is important that you compare different insurers. Pay attention not only to the premium. Of course the costs play a major role, but the conditions are just as important. At Alpina.nl online you can easily calculate the premium of your caravan insurance. Don't get it? Feel free to contact us. We will gladly help you on your way.
Learn more about which RV insurance is best for you here .
See also
- What coverages do you choose with RV insurance?
- How do you find RV insurance that suits you?
- What do you need to consider when insuring a motorhome?
- What additions are available with RV insurance?
- RV insurance policy terms and conditions.
- What does indemnity occupant insurance include with motorhome insurance
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