What does an all-risk motorhome insurance cover?
The all-risk motorhome insurance is the type of insurance with the broadest coverage. You pay a little more for it compared to the more limited forms of insurance but you get good coverage in return. You don't want to lose your motorhome in an accident. With the more limited forms of insurance, you run this risk.
Which cover suits you?
Third-party liability (mandatory)
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Free recovery service
i Alpina works with 112schade.nl to recover non-covered damages from the other party. Has someone caused damage to you, but you have no coverage on your own policy? 112schade.nl can help you recover your damage from the other party completely free of charge.
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Damage to others
i This is the basic coverage and cheapest RV insurance. It covers damage you cause with your motorhome to third parties, but not damage to your own motorhome.
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Theft, joyriding and loss
i In addition to the WA coverage, theft damage is now also covered. Damage to your own motorhome that you caused yourself (e.g. due to a collision) is not covered.
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Damage by fire or natural disaster
i In addition to third-party coverage, damage caused by fire or natural disasters is now covered.
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Own damage caused by a collision
i Damage to one's own vehicle due to a collision is covered. Regardless of who caused the damage. However, intent is excluded.
WA limited casco
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Free recovery service
i Alpina works with 112schade.nl to recover non-covered damages from the other party. Has someone caused damage to you, but you have no coverage on your own policy? 112schade.nl can help you recover your damage from the other party completely free of charge.
-
Damage to others
i This is the basic coverage and cheapest RV insurance. It covers damage you cause with your motorhome to third parties, but not damage to your own motorhome.
-
Theft, joyriding and loss
i In addition to the WA coverage, theft damage is now also covered. Damage to your own motorhome that you caused yourself (e.g. due to a collision) is not covered.
-
Damage by fire or natural disaster
i In addition to third-party coverage, damage caused by fire or natural disasters is now covered.
-
Own damage caused by a collision
i Damage to one's own vehicle due to a collision is covered. Regardless of who caused the damage. However, intent is excluded.
All-Risk (WA+Casco)
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Free recovery service
i Alpina works with 112schade.nl to recover non-covered damages from the other party. Has someone caused damage to you, but you have no coverage on your own policy? 112schade.nl can help you recover your damage from the other party completely free of charge.
-
Damage to others
i This is the basic coverage and cheapest RV insurance. It covers damage you cause with your motorhome to third parties, but not damage to your own motorhome.
-
Theft, joyriding and loss
i In addition to the WA coverage, theft damage is now also covered. Damage to your own motorhome that you caused yourself (e.g. due to a collision) is not covered.
-
Damage by fire or natural disaster
i In addition to third-party coverage, damage caused by fire or natural disasters is now covered.
-
Own damage caused by a collision
i Damage to one's own vehicle due to a collision is covered. Regardless of who caused the damage. However, intent is excluded.
When to choose an all-risk insurance for your motor home?
For a new camper you can't do without all-risk camper insurance. The motorhome has a high value and you do not want to take any risk by saving on the monthly premium. Also for a camper of only a few years old, this insurance is the best choice. Even for older RV's it is often a wise choice. For an old camper with a value of, say, €10,000, you run a big risk with a more limited insurance. One steering error and the camper will have only a scrap value. With a WA camper insurance you are not insured for this.
When does the insurer pay out?
The all-risk insurance is also referred to as WA full hull or WA casco. The insurance offers coverage for damage for which the driver or owner of the motorhome is liable. You can also submit a claim to the insurer for damage to your own motor home. This could be storm damage or broken windows, but damage caused by a collision is also insured. Claiming on the all-risk motorhome insurance can cost you years of insurance-free time.
When does a claim affect the claim-free years?
You can claim damage caused by the motor home on the all-risk insurance. However, this will cost you lossless years. The same applies to own damage caused by an accident or vandalism. For causes of damage that are insured on the WA limited casco the decrease in loss-free years does not apply.
What is the value of my camper?
You can search online for comparable motorhomes. The average of these sales prices will be approximately the current value of your motorhome. In practice it comes down to something else. You can have the value determined by an independent appraiser. This way there can never be any discussion about the value later on. Another option is to have the current value established only after an accident. After an accident, an expert will estimate what the value of the motor home was just before the accident.
Insuring your motorhome all-risk gives you a safe feeling. You can hit the road confidently knowing you are well insured.
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