Why does an insurer differentiate between daily and recreational use?
When most people think of an RV, they immediately think of recreational use. After all, it is the perfect vacation vehicle. However, sometimes a motorhome is also used daily, such as for commuting. An insurer does distinguish between these, since the risk of damage is greater with daily use than with recreational use. Nor can you get coverage from every insurer if you use your RV daily. At Alpina.nl , we explain why an insurer makes a distinction between daily and recreational use of a motorhome and where you can best get your motorhome insurance.
Higher premium with daily use
The more often you use a vehicle, the greater the risk of damage. This is why an insurer often charges a higher premium for daily use of an RV. There are also some insurers that will only insure a motorhome for recreational use. When taking out insurance, you specify how you will be using the motorhome, daily or only recreationally. Recreational use means that you will use the RV for vacations, weekends away or day trips. Also, when you take out the policy, you indicate if there is a first car for daily use. If there is no first car, the insurer considers it more likely that the motorhome will also be used for commuting, for example.
Some insurers do not charge a higher premium or additional conditions when insuring an RV for daily use. You can find the insurers you can turn to by comparing RV insurance policies.
How does an insurer verify whether an RV is used daily or recreationally?
It is quite difficult for an insurer to verify whether a motorhome is used only recreationally or also daily. Because of this, it may be tempting to use your RV daily anyway, even though you have not reported this to the insurer and therefore are not paying for it. If the terms of your RV insurance policy state that you are not insured for daily use, you are liable for penalties if you do. You are then essentially committing fraud. This means that in the event of a claim, the insurer may refuse to pay for the damage. Also, the insurer may cancel the camper insurance. Always check the policy conditions to see how you are insured for daily use.
Get motorhome insurance through Alpina right away!
At Alpina.nl , it's easy to get motorhome insurance. It only takes a few minutes, so you can quickly get on the road safely with your motorhome. Do you still have questions or want to consult with one of our insurance experts? Then be sure to contact us! You can reach us Monday through Friday, from 8 a.m. to 6 p.m. at 088 - 6883700. You can also send us your question via message. This can be done via email, WhatsApp or Messenger.
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