Calculate and Purchase RV Insurance

Yes, RV insurance isrequired. This is because an RV is a motor vehicle. In the Netherlands, you are required to have at least third-party liability coverage for every motor vehicle. With third-party liability RV insurance, you are covered for damage you cause to others with your RV. In the best-case scenario, this involves property damage, but it can also involve personal injury. After a serious accident in which one or more people are injured, the costs can run into the thousands of euros. To prevent a situation where you cannot pay these costs and the victims therefore receive no financial compensation, motorhome insurance is mandatory.

Civil Liability (WA)

This is the basic coverage and the most affordable option for RV insurance. It covers damage you cause to third parties with your RV, but not damage to your own RV.

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Limited comprehensive coverage (Third-Party Liability Plus or WA+)

In addition to liability coverage, a motorhome insurance policy now also covers damage to your motorhome caused by, among other things, fire, theft, storms, and broken windows. Damage to your own motorhome that you caused yourself (for example, in a collision) is not covered.

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Comprehensive (all-risk)

This is the most comprehensive coverage available for RV insurance. Everything covered under limited comprehensive coverage is reimbursed, but now all damage to your own RV is also reimbursed.

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Recourse Legal Assistance

For damage caused by others, you can hold the responsible party liable. If your RV is covered by comprehensive insurance, the insurer will handle this for you. With third-party liability insurance and limited collision coverage, you’ll have to handle this yourself. With legal assistance coverage, you’re also entitled to legal representation. This can be helpful in the event of legal disputes with the other party.

Passenger Injury Insurance

An accident can also result in damages to your passengers. These can be property damage or personal injury. The amount of property damage is often manageable. That is certainly not the case with personal injury. The passengers’ health insurance provider covers the medical costs, but the financial loss can be much greater. In the event of permanent disability, the damages can run into the hundreds of thousands of euros. Passenger injury insurance pays out a maximum of €400,000 in the event of an accident. The motorhome driver also receives a payout in the event of damage. Of course, you cannot claim the damage to the motorhome under this supplemental insurance.

Thecostof motorhome insurance depends on the following factors:

• Your place of residence
• The number of claim-free years you have accumulated
• The value of the RV
• The weight of the RV
• The Desired Coverage for RV Insurance

The best RV insurance depends on your personal situation and needs. There are several insurance companies that offer RV insurance, so it’s important to compare the different options to find the best policy for you. Consider the coverage, the cost, and the extras offered with each policy. For example, if you travel a lot, it might be wise to choose a policy with broad coverage. If you’re on a tighter budget, you can opt for a policy with a lower premium. It’s important to compare all your options to find the best RV insurance policy that suits your needs.

Claim-free years make RV insurance more affordable. That’s because they entitle you to a discount on your premium. By taking out a policy in your name, you build up claim-free years. If you don’t file a claim on your RV insurance during the insurance year, you’re entitled to one claim-free year. Filing a claim, on the other hand, causes you to lose claim-free years.

When you take your RV on the road, you have to pay road tax. Is your RV 40 years old or older? If so, you don’t have to pay road tax. Theamount of road taxdepends on the weight of your RV, your place of residence, and the type of fuel. RVs are often used for only a few weeks a year, so a more favorable rate applies than for passenger cars.

Do you have a DIY camper? If so, you can still insure it through us with our camper insurance. In most cases, no additional inspection report is required. Is your DIY camper equipped as a camper and has it been inspected as such by theRDW? If so, there’s no problem at all insuring it as a camper. Easily calculate the premium for a DIY camper online.

The motorhome insurance does not cover damage to the contents. Since these items are not considered part of the motorhome, they are excluded from the motor vehicle insurance. A fully equipped motorhome still contains a significant value in contents. You can insure the contents up to a maximum of €10,000. Regardless of the coverage you choose for the RV, compensation will be provided for stolen contents in the event of a burglary—provided, of course, that you have taken out supplemental coverage.

Our RV insurance always includes the Green Card. The Green Card was primarily used at border checkpoints to prove that your RV was insured. Generally, you no longer need the Green Card, because since 2003, authorities in EU countries have been using your RV’s registration number (or registration certificate) for this purpose. Do you have an active insurance policy but have lost your Green Card? If so, you can request a replacement free of charge.

Most RV insurance policies offer roadside assistance coverage abroad. The extent of this coverage varies by insurer. For example, one insurer may only reimburse the necessary costs of towing the RV to a repair shop, while another may also cover the cost of a rental vehicle.

In most cases, the cost of transporting the RV to the Netherlands is reimbursed if the RV cannot be repaired within a certain number of business days and if the transportation costs do not exceed the RV’s current market value. It also varies by insurer whether roadside assistance is included in the basic coverage of the RV insurance policy or whether you need to purchase supplemental coverage for it. This is specified in the insurance policy terms and conditions.

With most insurers, you’re covered for roadside assistance in the countries listed on the Green Card. These are the same European countries where you’re covered under your RV insurance.