Motorhome and Camper Van Insurance. Which one to choose?
Like all vehicles, motorhomes require mandatory insurance to drive them, but which is the most appropriate? What should I take into account when choosing insurance for my motorhome? We’ll tell you all about it in this guide.
As with passenger vehicles, insurers offer different types of insurance for motorhomes, in order to adapt to each driver’s needs. Faced with this wide range of offers, two factors are key when making a decision:
- The coverage offered by the motor home insurance.
- The price.
It is important to know how to choose the right insurance for your motorhome in order to avoid problems and unpleasant surprises in case of any kind of mishap. It is obvious that the more coverage you take out, the more protection you will have for your motorhome during your adventures.
Why take out motorhome insurance.
Our motorhome, whether it is used sporadically or as a permanent residence, is our home. A home on wheels that we move from one place to another and that is exposed to external factors that we must take into account. Is it not important for you to protect it against unforeseen events? Travel with the peace of mind and comfort that if something happens, you will have insurance to help you solve the problem.
In addition, it is mandatory to insure all vehicles that are powered by an engine that can circulate on land, so you need insurance, and therefore, it is best to adapt it to your needs.
What types of insurance are there?
Are motorhome insurances different from car insurances? There are different types of insurance for motorhomes, for example, the most basic or third party insurance is similar to the one you can take out for a car; but as the level of coverage increases, they are more specific, special insurances for motorhomes of all types: low profile, luton, A-class or camper vans.
As we have already mentioned, the insurance offer in the world of motorhoming is as vast as there are insurers. In addition, each of them has several types, so the options increase.
Even so, we can highlight several types of motorhome insurance. The most common ones taken out:
- Third-party insurance
- Fully comprehensive insurance.
- Insurance with excess.
- Insurance without excess.
What is the coverage for each type? We’ll tell you about this below.
What coverage is included in camper van and motorhome insurance?
Third-party insurance
This is the simplest, most basic motor home insurance policy. It covers mainly Civil Liability. It includes Driver's Accident or Travel Assistance insurance. In addition, you can always increase it with some extras, such as coverage against theft or natural phenomena.
Fully comprehensive insurance
This is the highest level of motor home insurance. It includes the guarantees of the previous one plus the damages that the vehicle may suffer, including the interior, that is to say, the camper area (fittings...).
There are insurances that also offer the possibility of taking out an optional guarantee that, in addition, protects the material that we keep inside the motorhome, as well as the expenses of loosing your driver's licence and the course that need to be taken to recover it.
There is also a very interesting extra which is Civil Liability for Loads: if what you carry inside the motorhome comes loose and causes damage, this coverage will protect it. Also for external elements, for example, if you are transporting a bicycle.
Fully comprehensive motorhome insurance with or without excess
The difference between a comprehensive motorhome insurance with excess or without excess is that in the former there is a pre-established financial amount that the owner must pay in case of loss.
We explain this with an example:
The owner of a motorhome has taken out insurance with an excess of €500. If they have an accident and the value of the claim is €1200, the customer will pay €500 and the insurer will pay the rest (€700). If they report an accident to their insurance company again, they will have to pay the excess amount again whenever this happens.
How much does motorhome insurance cost?
Many factors come into play in the price of motorhome insurance, from the age of the motorhome to the age of the driver. In addition, it all depends on the type of coverage you take out.
Comparison of insurance for motorhomes and camper vans
There are many companies that offer insurance for motorhomes, here is a list of the most popular ones with a direct link to their website.
These are armchairs located on both sides of the motorhome, to enjoy an open space where you can eat, telework and enjoy a good cup of coffee in the best company.
What is the best motorhome insurance?
There is no universal TOP 1 option for motorhome insurance, for each case, the perfect option will be different.
Please keep in mind that you can even have daily insurance, which allows you a maximum of 28 days and is ideal if you use your motorhome on a temporary basis.
In conclusion: to choose the most suitable insurance for your motorhome, you should think about your situation, your budget and what you would like the coverage to include.