Motorhome insurance calculation and conclusion

Yes, RV insurance is mandatory. This is because a camper is a motorized vehicle. In the Netherlands, you are required to take out at least third-party coverage for every motorized vehicle. With a WA motor home insurance you are insured for damage you cause to another person with your motor home. In the best-case scenario, this is eye damage, but there may also be personal injury. After a serious accident, in which one or more persons are injured, the costs can run into thousands of euros. To prevent you from not being able to pay this and thus the victims from receiving financial compensation, motorhome insurance is mandatory.

Civil liability (WA)

This is the basic and cheapest coverage in a motorhome insurance policy. It covers the damage you cause with your motorhome to third parties, but not damage to your own motorhome.

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Limited casco (WA plus or WA+)

In addition to the third-party coverage, damage to your motorhome is now also covered for fire, theft, storm and window breakage on a motorhome insurance policy. Damage to your own motorhome that you have caused yourself (through a collision, for example) is not covered.

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Full hull (all risk)

This is the most comprehensive coverage in motorhome insurance. Everything covered under limited hull is covered, but now all damage to your own motorhome is also covered.

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Recourse Legal Assistance

For damage caused by others, you can hold the person responsible liable. If your camper has comprehensive insurance, the insurer will do that for you. With the WA and WA limited casco you do it yourself. Legal assistance also entitles you to legal assistance. This can be useful in case of legal issues with the other party.

Claims passenger insurance

Due to an accident, your passengers may also suffer damages. It can be material damage or personal injury. The amount of material damage is often manageable. The same is certainly not true of personal injury. The passengers' health insurance company will cover the medical expenses, but the financial damage can be much greater. In the case of permanent disability, the damage can run into the hundreds of thousands of euros. The passenger indemnity insurance pays out a maximum of €400,000 in an accident. The driver of the motorhome also receives benefits in the event of damage. Of course, you cannot claim damage to the motorhome on this additional insurance.

The cost of RV insurance depends on the following factors:

• Your hometown
• The number of claim-free years you have accumulated
• The value of the motorhome
• The weight of the motorhome
• The desired RV insurance coverage

The best RV insurance depends on your personal situation and needs. There are several insurance companies that offer RV insurance, so it is important to compare the different options to find the best insurance for you. Look at the coverage, cost and extras offered with each insurance policy. For example, if you travel a lot, it might be wise to choose insurance with a broad coverage area. If you have a smaller budget, you may want to choose insurance with a lower premium. It's important to compare all options to find the best RV insurance that suits you.

Claim-free years make RV insurance more affordable. This is because they entitle you to a discount on the premium. By taking out insurance in your name, you build up claim-free years. Not claiming any damage during the insurance year entitles you to one claim-free year. By claiming, on the other hand, you lose claim-free years.

When you take your RV on the road, you have to pay road tax. Is your motorhome 40 years old or older? Then you don't pay road tax. The amount of road tax depends on the weight of your RV, where you live and the type of fuel. Often RVs are only used for a few weeks a year and a more favorable rate applies than for passenger cars.

Do you have a self-built motorhome? If so, it is also possible to insure it through us on a motorhome insurance policy. In most cases without an additional inspection report. Is your self-built camper fitted as a camper and also approved as such by the RDW? Then it is no problem to have it insured as a camper. Easily calculate the premium for a self-built camper online.

Motorhome insurance does not provide coverage for damage to inventory. This is because it is not part of the motorhome, thus excluded for motorhome insurance. Nevertheless, a fully equipped motorhome represents a high value of inventory. You can co-insure the inventory up to a maximum of €10,000. Regardless of the coverage chosen for the motorhome, compensation is given for the stolen inventory in case of burglary. That is, if you have additional insurance.

Our motorhome insurance always includes the green card. The green card was mainly used at border controls to show that your camper was insured. Usually you don't need the green card anymore, because since 2003 authorities within the EU countries use the license plate of your camper for this purpose. Do you have insurance but have you lost your green card? Then you can apply for this free of charge.

Most motorhome insurance policies offer roadside assistance coverage abroad. It varies by insurer how extensive this coverage is. For example, some insurers only reimburse necessary costs to take the motorhome to a repair shop, and others also reimburse replacement transportation.

Transportation of the camper to the Netherlands is usually reimbursed if the camper cannot be repaired within a number of working days and if the costs for transportation do not exceed the current market value of the camper. It also varies per insurer whether roadside assistance is included in the basic coverage of the motor home insurance, or whether you have to take out additional coverage. This can be seen in the policy conditions of the insurance.

With most insurers, you have coverage for roadside assistance in the countries listed on the green card. These are the same European countries where you have coverage with RV insurance.