Can I suspend my motorhome insurance?
RVs are the vacation vehicle of choice. That does mean, however, that they are often stationary for extended periods of time during the rest of the year. If you are not going to use your camper for a longer period of time, for example because you are going on a vacation by plane next year or perhaps to stay at home, it may pay off to temporarily suspend your camper. You then do not have to meet the MOT obligation, insurance obligations and you also do not have to pay road tax. This will save you quite a lot of money on an annual basis. Many people wonder if they can temporarily suspend their camper insurance in that case. With most insurers, however, this is not possible. There you have to terminate your motorhome insurance. At Alpina.nl , we explain how it works.
Conditions for suspending RV insurance
Unfortunately, most insurers do not allow you to suspend motorhome insurance. Some do. A condition for suspension is often that the motor home has been totaled or sold. So if you suspend the camper, suspension is usually not possible. Many insurers already take recreational, and therefore temporary, use of the camper into account when determining the premium. Therefore, the premium for RV insurance is often lower than for normal car insurance. If you cannot suspend the camper insurance with your insurer, it may still pay to terminate the insurance.
What about my claim-free years?
During the time you have had your RV insurance, you have naturally accumulated claim-free years. After the insurance is terminated, these years are not simply lost. They usually remain valid for 3 years. So within those three years, you have to take out RV insurance again, or they will expire. Some insurers even apply a shorter period. Keep this in mind and check the policy conditions in advance.
What is the cost of suspending or terminating an RV insurance policy?
Insurance usually has a standard term of one year. After that first year, you can cancel the insurance on a monthly basis. You often do not pay any further costs for this. If you wish to change or terminate the insurance during the term, you will often be charged a fee. These are one-time policy costs. These costs may vary between insurers.
Get instant motorhome insurance through Alpina
Are you going to use your RV again and need a new RV insurance policy? In the meantime, insurance premiums may have changed. So always start comparing RV insurance again. Maybe this time you are cheaper with another insurer. By comparing you will find the best and the cheapest camper insurance.
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