What do you need to consider when insuring a motorhome?
When insuring a motor home, you pay attention to good quality insurance and, of course, to the price. But there are more specific things to consider when insuring a motorhome.
A motor home is not only a vehicle but also your home during your holiday. It is a car and a caravan in one. Therefore, the insurance needs special attention. The camper is mainly used abroad, so you also have to take into account the dangers that may arise.
Motorhome insurance? Calculate your premium!
Opting for the cheapest form of insurance
In any case, you are obliged to insure your motor home at least against third-party liability. WA stands for third-party liability. With this type of insurance, you will not be reimbursed for damage to the camper from your own insurance. If someone else is liable for the damage, you can hold the other party liable for the damage. You can also outsource this to 112schade. This is free of charge for you. The costs will be recovered from the person who caused the damage.
Opting for third-party car insurance
The most ideal form of insurance is WA casco. In case of damage caused by you, you will be reimbursed. The camper is also insured in case of theft or damage caused by storm or hail. This is the most complete camper insurance, but you guessed it... also the most expensive. For new or young motorhomes this insurance is recommended. A motorhome is worth a lot of money and only the best insurance is good enough. Do you have an older camper? The much cheaper WA limited casco can be considered. We would like to share with you some tips and tricks to help you choose the best type of insurance.
What do you pay for third-party car insurance?
First, get the best possible motorhome insurance. Even if you have never caused an accident, it can still happen to you. Only if this insurance is really too expensive, consider a more limited cover.
Does the motor home insurance cover hail damage?
Hail damage is often also insured in the WA limited casco. Take this into consideration. For example near Lake Garda, there is a big chance of hail damage. So choose the WA limited hull insurance rather than the WA insurance. The damage can run into thousands of euros.
Think about co-insuring the accessories
For example, an electric sunshade that is not fitted to the motor home as standard must be insured as an accessory. Please consider this.
Do you have claim-free years available?
Especially the premium for the third-party car insurance can be high. You can reduce the premium considerably with years of non-life insurance. Do you have two cars of which the cheapest one is only insured for third-party liability? Consider taking the accrued claim-free years out of this insurance. By using these accrued years without claims for the motor home, you can save a lot of money.
What is the camper worth?
In case of damage, the value of the motor home may be subject to discussion. This discussion can be prevented by means of an appraisal. Have an expert draw up an appraisal report that shows the value. In this way, you know what the camper is worth and what is assumed in case of damage.
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