What does indemnity occupant insurance include with motorhome insurance?
You can properly insure your RV, but what about the occupants? In an accident, the passengers can sue the liable party for damages. Unfortunately, this is often complex and lengthy. With the passenger indemnity insurance you insure your passengers and yourself well.
An accident damages your motorhome. You claim this damage on your motorhome insurance policy. But something can also happen to the passengers. As the driver you feel responsible for your passengers, so make sure you have an insurance that compensates them if something happens to them. It'll cost you a few dollars a month, but you'll be covered.
When does indemnity passenger insurance pay out?
The first condition is an accident involving the insured car. This can damage possessions of the passengers. Consider, for example, a smartphone that flies through the car and shatters due to the bang. You can claim these damages on the passenger injury insurance policy. With personal injury, the emotional and financial impact can be very great. You can't insure the emotional impact, but you can insure the financial one. In the event of incapacity for work due to the accident, the damages can be substantial. The passenger may have to be paid the full annual salary for a long time. With passenger insurance, the damage is (partially) covered.
What is the maximum payout?
The actual damages suffered are paid out. This amount is capped at €400,000 per accident. In the case of multiple passengers, the insured amount may not be high enough to cover the entire damage. In most cases, the insured amount will be more than sufficient.
Is indemnity passenger insurance recommended?
It is a useful addition. The chances that you will ever need this coverage are slim. Once it does become necessary, the coverage proves its added value. The last thing you want is to severely financially dup a passenger and his or her family if you have not chosen this insurance additionally.
Made possible by klantenvertellen.nl
Based on 3699 reviews
Never underinsured
Put together your own package
A wide range
We compare all insurers for you, saves time again
Help from our experts
Can't figure it out? Our experts are always ready to help you
We can be reached via chat, WhatsApp, phone or email
Questions? Contact us if you want to know more.
We are here Monday to Friday from 08:00 to 18:00.