Is there a deductible with RV insurance?
If you are going on a nice RV trip, of course you want to enjoy your vacation carefree. Therefore, it is important that your motor home is properly insured in case of damage and accidents. You can take out motor home insurance. You are legally obliged to take out at least a WA WA camper insurance, but you can also opt for more extensive coverage such as WA+ or Allrisk. When taking out campervan insurance, you also have to deal with the excess. Excess means that in case of damage to your camper, you first pay a certain amount yourself. How high the deductible is varies per insurer.
Excess and your RV insurance coverage
When purchasing a motorhome insurance policy, you have a choice of 3 different coverages. The basic coverage is the WA camper insurance. This is the minimum coverage you must take out in the Netherlands. It insures you for damage you cause to another person. With liability insurance, there is usually no standard deductible. The insurer compensates the damage to the other party in full. You can also choose WA + Limited Casco or All-risk coverage. This also covers damage to your own campervan. Depending on the coverage and the insurer, you pay a higher, lower or no excess. Some insurers allow you to choose the amount of the deductible. The higher the excess, the higher the premium discount. In case of damage, you will pay a higher amount yourself.
Motorhome insurance with no deductible
Some insurers do not apply a deductible with RV insurance. However, you will often pay a higher insurance premium for your insurance. It is also possible that the deductible is optional. You choose whether you want a deductible or not. With a higher deductible, you get more premium discount. However, most insurers have a mandatory deductible. Insurers usually differentiate between types of damage with the deductible. For example, a different deductible applies for theft than for windshield damage. Finally, the deductible is usually lower if you have the damage repaired by a repairer affiliated with the insurer. In the policy conditions of your insurance you can always find if there is a deductible and how high it is.
Get instant motorhome insurance through Alpina
Are you still looking for a good motorhome insurance policy? At Alpina.nl , you can easily compare motorhome insurance with our online comparer. Pay attention not only to the amount of the deductible and the premium, but especially to the coverage and other policy conditions. This way you can be sure that you will soon be well insured on the road.
Do you still have questions about the deductible with RV insurance? Or about other issues regarding the insurance? Then please contact us! You can reach us Monday to Friday from 08.00 to 18.00 by phone at 030 - 688 37 00. Do you have a question outside office hours? You can send us a message 24/7 via chat, WhatsApp or Messenger. As soon as our insurance specialists are available again, they will answer you as soon as possible.
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