What coverage do you go for with RV insurance?
When purchasing RV insurance, you have a choice of three different coverages. Which coverage is best for you to choose depends on the value of the RV and the amount of the premium for the RV insurance per insurance form. We are happy to give you guidance so you can find a motorhome insurance policy that suits you.
In case of damage, you can fall back on motorhome insurance, but not in all cases you will be paid for the damage to your own vehicle. Damage caused by the motorhome to others can be claimed under the compulsory third-party insurance. What do the different forms of insurance entail?
What can you expect from WA motorhome insurance?
The abbreviation WA stands for third-party liability. Insurance is called in when causing damage to others or other people's property. The holder of the motor home registration certificate is obliged to take out motor home insurance. This is because the risk is too great to bear by yourself. Especially if the person or persons hit become incapacitated by the accident. The injured parties have a direct right of action against the insurer. Thus, the injured parties can make a claim directly to your insurer. Of course, the insurer will inquire about your story, but the claim does not have to go through you.
You choose WA motorhome insurance for older motorhomes with limited value left.
Take out motorhome insurance? Calculate your premium!
Still opt for the third-party liability + limited collision insurance?
The WA + Limited Comprehensive is more expensive than the WA motorhome insurance, but for that you also get broader coverage. In addition to legal liability, there is coverage against the following causes of damage, among others:
- Fire and lightning strikes
- Theft and burglary
- Storm damage
- Hail damage
- Collision with animals
- Window Break
So accidental damage is not insured, unless it is a collision with animals. In case of damage, the insurer will pay the repair costs, but at most the current market value. This also applies to the most comprehensive motorhome insurance (WA + Fully comprehensive).
You choose the WA + Limited casco motorhome insurance for your motorhome if only the WA carries a high risk, but if it is no longer possible to opt for the All-Risk coverage (WA + Full casco).
Choosing the most comprehensive insurance
All-Risk coverage insurance also provides coverage for your own damages as a result of an accident. But also, for example, when you run off the road and skid without another vehicle being involved.
The is the most complete coverage. Preferably you take out this insurance, but the amount of the premium should make it possible. Still, is this coverage too expensive? Then choose one of the more limited forms of insurance.
Also read:
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