What differences are there in RV insurance?

Different coverages for RV insurance

When purchasing motorhome insurance, you have a choice of three different coverages: WA, WA + Limited Comprehensive and All-risk. There are a number of differences between the three coverages. Third-party motorhome insurance is the mandatory basic coverage. With this, the insurer compensates damage you cause to another person with your motor home. Damage to your own camper is not insured. For this you should choose an extended coverage. The middle way is a WA + Limited Casco coverage. This also covers common damages such as damage to your camper caused by lightning, hail, storm, fire, explosion, broken windows, theft and collision with stray animals. The most comprehensive coverage for your motorhome insurance is the all-risk coverage. With this you are also insured for damage to your own camper as a result of an accident. Even if this damage is your own fault.

Third-party insurance is the cheapest insurance, but also the most limited. For an older RV with limited value, third-party insurance is often the best choice. For new RVs or RVs with a high value, it is better to choose more comprehensive coverage.

Get instant motorhome insurance through Alpina

We encourage you to compare motorhome insurance policies with our handy online comparator. This way you can easily and quickly see the differences between the various motor home insurance policies. You fill in some information about your camper and then you will get a handy overview of all providers that match your needs. If you have found a camper insurance you can then take out your insurance directly online!