Which cover do you prefer for a motorhome insurance?
When taking out a motor home insurance policy, you have the choice of three different types of cover. Which cover to choose depends on the value of the motor home and the amount of the motor home insurance premium per insurance type. We would like to give you some pointers to find a motorhome insurance that suits your needs.
In the event of damage, you can fall back on the motor home insurance, but not in all cases will you be reimbursed for the damage to your own vehicle. The damage caused by the motor home to others can be claimed on the compulsory third-party insurance. What do the different insurance types mean?
What can you expect from the WA motorhome insurance?
The abbreviation WA stands for third-party liability. The insurance is called upon when causing damage to others or to the possessions of others. The holder of the motor home registration certificate is obliged to take out motor home insurance. The risk is too big to bear by yourself. Especially if the person(s) hit by the accident become(s) disabled due to the accident. The injured parties have a direct right of action against the insurer. The injured parties can therefore submit a claim directly to your insurer. Of course, the insurer will ask for your story, but the claim does not have to go through you.
The WA motorhome insurance is for older motorhomes with limited value.
Get motorhome insurance? Calculate your premium!
Do you want to go for WA + Limited Casco?
The WA + Limited Comprehensive Vehicle insurance is more expensive than the WA motor home insurance, but it also offers more extensive cover. Besides the legal liability there is also coverage for the following causes of damage:
- Fire and lightning
- Theft and burglary
- Storm damage
- Hail damage
- Collision with animals
- Window breakage
Damage caused by an accident is therefore not insured, unless it is a collision with animals. In case of damage, the insurer will pay the repair costs, but not more than the current market value. This also applies to the most comprehensive camper insurance (WA + full hull).
The WA + Limited Casco motorhome insurance is the best option for your motorhome if only the WA coverage entails a large risk, but if it is no longer possible to opt for the All-Risk coverage (WA + Full Casco).
Opting for the most comprehensive insurance
The All-Risk insurance also offers coverage for your own damage resulting from an accident. But also, for example, in the event of running off the road and skidding, without another vehicle being involved.
It is the most comprehensive cover. You should preferably take out this insurance, but the level of the premium should make it possible. Is this cover still too expensive? Then choose one of the more limited forms of insurance.
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