What should you look for when insuring an RV?
When insuring an RV, you look for good quality insurance and, of course, price. But there are more specific things to consider when insuring an RV.
In addition to being a vehicle, an RV is actually your home during your vacation. It is a car and a caravan in one. Therefore, insurance should also have special consideration. The motorhome is mainly used abroad, so you must also consider the dangers that are imminent.
Take out motorhome insurance? Calculate your premium!
Choosing the cheapest form of insurance
In any case, you are required to have at least third-party insurance for your motorhome. WA stands for legal liability. With this form of insurance, damage to the camper will not be compensated from your own insurance. If someone else is liable for the damage, you can hold the other party liable for the damage.
Opting for third-party cash insurance
The most ideal form of insurance is the WA casco. In case of damage caused by you, you will be paid your damages. Also in case of theft or damage by storm or hail the motorhome is insured. This is the most complete motorhome insurance, but you guessed it ... also the most expensive. For new or young motorhomes, this insurance is recommended. A motorhome is worth a lot of money and only the best insurance is good enough. Do you have an older motorhome? Then you can consider the much cheaper WA limited casco. We are happy to share a few tips you can look out for when choosing the best form of insurance.
What do you pay for third-party cash insurance?
Go for the best possible RV insurance first. Even if you've never caused an accident, it could still happen to you. Only if this insurance is really too expensive, consider more limited coverage.
Does RV insurance provide coverage against hail damage?
In the WA limited casco, hail damage is often co-insured as well. Take this into consideration. For example at Lake Garda, you have a high chance of damage from hail. So it is better to choose the limited hail insurance than the third-party insurance. The damage can run into thousands of euros.
Consider co-insuring accessories
For example, an electric awning that was not factory fitted to the motorhome must be included as an accessory. Consider this.
Do you have claim-free years available?
Especially the premium for third-party cash insurance can be high. You can reduce the premium significantly with claim-free years. Do you have two cars, the cheapest of which is only third-party insured? Consider removing the accrued claim-free years from this insurance. By using these accrued claim-free years for the motorhome, you can save a lot of money.
What is the motor home worth?
When damage occurs, there can be a discussion about the value of the motorhome. You can avoid this discussion with an appraisal. Have an expert draw up an appraisal report that shows the value. This way you know what the motorhome is worth and what is assumed in case of damage.
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 today until 6 p.m.