Why does an insurer differentiate between daily and recreational use?
When most people think of an RV, they immediately think of recreational use. After all, it is the perfect vacation vehicle. However, sometimes a motorhome is also used daily, such as for commuting. An insurer does distinguish between these, since the risk of damage is greater with daily use than with recreational use. You also cannot get coverage from every insurer if you use your RV daily. At Alpina.nl we explain why an insurer makes a distinction between daily and recreational use of a motorhome and where you can best take out your motorhome insurance.
Higher premium for daily use
The more often you use a vehicle, the greater the risk of damage. That is why insurers often charge a higher premium for daily use of a motor home. There are also some insurers who only insure recreational use of a motorhome. When you take out the insurance, you indicate how you are going to use the camper, daily or only recreationally. Recreational use means that you use the camper for holidays, weekends away or day trips. You also need to indicate whether you have a first car for daily use. If there is no first car, the insurer considers it more likely that the camper will be used for commuting, for example.
Some insurers do not charge a higher premium or additional conditions when insuring a motorhome for daily use. You can find the insurers you can turn to by comparing motorhome insurances.
How does an insurer check whether a motor home is used daily or recreationally?
For an insurer, it is quite difficult to check whether a motor home is used only recreationally or also on a daily basis. This may make it tempting to use your campervan on a daily basis, while you have not reported this to the insurer and therefore do not pay for it. If the policy conditions of your motorhome insurance state that you are not insured for daily use, you are punishable if you do so. In essence you are committing fraud. This means that in case of damage the insurer can refuse to compensate the damage. The insurer can also cancel the motor home insurance. Always check the policy conditions to see how you are insured for daily use.
Get motorhome insurance through Alpina right away!
At Alpina\.nl, it's easy to get motorhome insurance. It only takes a few minutes, so you can quickly get on the road safely with your motorhome. Do you still have questions or want to consult with one of our insurance experts? Then be sure to contact us! You can reach us Monday through Friday, from 8 a.m. to 6 p.m. at 088 - 6883700. You can also send us your question via message. This can be done via email, WhatsApp or Messenger.
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