What does an insurer understand by recreational use?
When you purchase RV insurance, you specify how your RV will be used: daily or recreational. An insurer distinguishes between these, because the risk may differ for each type of use. If a motorhome is also used for commuting, the risk for the insurer is higher and this affects the amount of the insurance premium. Do you only take your RV on vacation? Then you are using it recreationally. At Alpina.nl , we explain exactly what an insurer understands by recreational use and how this affects your motorhome insurance.
Difference between daily use and recreational use
By recreational use, an insurer understands that you use the motor home for weekends away, vacations or possibly day trips. Whether this is in the Netherlands or abroad makes no difference. If you use the motor home for recreational purposes, you are really using it for travelling. Do you also use the motor home to do some shopping at home or for commuting? Then this falls under 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 only insure a motorhome for recreational use.
RV insurance in recreational use
In most cases, the motorhome is only used for vacationing. After all, it is the perfect vacation vehicle. In that case, you can get RV insurance from most insurers. If you start looking for the best motorhome insurance, you can start by comparing motorhome insurance policies. You can do this, for example, with our online comparator. You fill in some information about your camper, such as weight and value, and choose the desired coverage(WA, WA+ or All-risk). Then you get an overview with all providers that fit your needs. We advise you to look not only at the lowest premium, but also carefully at the coverage. The coverage is at least as important for a good camper insurance.
Get motorhome insurance through Alpina right away!
At Alpina.nl we have the right motorhome insurance for both recreational and daily use. Once you have found a motorhome insurance policy that suits your needs after comparing, you can then purchase it directly online.
Do you still have questions about getting RV insurance or would you prefer to consult with our insurance specialists? If so, please be sure to contact us. You can reach us Monday through Friday from 8 a.m. to 6 p.m. by phone at 030 - 688 37 00. You can also send us a message at any time via chat, WhatsApp or Messenger.
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