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What does limited hull motorhome insurance cover?

The WA limited hull is one of the three forms of insurance you can choose when insuring your motor home. In addition to the legally compulsory third-party insurance, this insurance also offers coverage for damage due to certain causes.

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Third-party liability (mandatory)

  • Free recovery service
  • Damage to others
  • Theft, joyriding and loss
  • Damage by fire or natural disaster
  • Own damage caused by a collision

WA limited casco

  • Free recovery service
  • Damage to others
  • Theft, joyriding and loss
  • Damage by fire or natural disaster
  • Own damage caused by a collision

All-Risk (WA+Casco)

  • Free recovery service
  • Damage to others
  • Theft, joyriding and loss
  • Damage by fire or natural disaster
  • Own damage caused by a collision
limited hull motorhome insurance

What cover does WA limited hull insurance offer?

In terms of coverage, this insurance is between the WA and the all-risk motorhome insurance. The insurer offers coverage for certain frequently occurring causes of damage. You will find these in the policy conditions. It comes down to the following:

  • Damage by lightning
  • Window breakage
  • Hail damage
  • Storm damage
  • Fire and explosion
  • Theft
  • Collision with stray animals

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When should you opt for WA limited casco?

You choose this type of insurance if the motor home still has a high value, but is already several years old. You can make a well-founded choice by comparing them. You can do this on the basis of the registration number. Of course you want the most extensive insurance, but at a reasonable premium. As soon as the motor home only has a low current value, you can switch to third-party insurance.

Doesn't claiming cost you claim-free years?

When insuring a motor home, you are entitled to a nice discount if you have damage-free years. If you do not claim any damage, you will receive one claim-free year each year. Until you cause a claim. By making a claim on the third-party insurance part of this policy, you will lose years of claims-free travel. This does not apply to a claim on the limited cover part. For example, in case of glass breakage and theft of the camper, you retain your claim-free years.

How do you compare motorhome insurance?

It is actually quite simple. With our comparison tool you can already make a comparison with the license plate of the motorhome. Of course there are several questions to be answered, but they are questions to which you know the answers by heart. You can see it as a filling-in exercise. After you have filled in everything, we select the insurance that best suits the motorhome. You will see them listed by price. Based on the premium, you can choose the most suitable type of insurance.

The WA limited hull insurance offers useful extra coverage compared to the WA insurance, but it also has disadvantages. In case of an accident caused by you, no payment will be made for the damage to your camper. This is a major disadvantage. Choosing the all-risk insurance is certainly worth considering.

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  • To calculate premiums, we need the zip code of the primary driver. For private use, the youngest driver must reside at the same address as the applicant. In case of business use, you can enter the postal code of the company here.

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