One of the most cumbersome steps when going on a trip with a motorhome or camper van is deciding which is the best motorhome insurance. However, this is one of those administrative steps that we cannot avoid. Not only because it is mandatory, but because really in a moment of need, danger or accident, we are going to need insurance to help us. For example, in cases such as repatriating our vehicle, repairing a puncture, covering theft, giving us a replacement vehicle in the event of a breakdown or accident, etc.
And the truth is that the road is a world of possibilities and variables that can make our trip pleasant, but there can also be adverse circumstances that force us to stop or directly return to home.
In the case of motorhomes or camper vans, our trip becomes more complex than with a car. For this reason, from here we want to encourage you, not to be governed by contracting the basic and compulsory insurance, but to value the possibility of covering other situations or furniture in your motorhome.
All-risk insurance or third-party insurance
The first thing you should know when taking out insurance is that there are: third-party insurance and all-risk insurance. The first is the most basic and mandatory, for which a Civil Liability coverage is made that we will explain later. In the case of all-risk insurance, as its name suggests, they are those that include a whole package of important and basic coverages, but that are not mandatory, such as theft, fire, atmospheric phenomena, etc.
Each insurer will have a different all-risk coverage, so you should evaluate if the all-risk package is already worth it, or if you would like to add or remove any of the coverages. In this case, you should know that with a third-party coverage, you can add extras and configure the coverage to suit you.
What should motorhome insurance cover?
What a campervan or motorhome insurance should cover depends a lot on the insured, the type of trip, the age of the vehicle, the model and, ultimately, many variables. In this case, there will be variables you can't decide on. For example, if you recently got your driver's license, insurance could be more expensive. Or if, for example, the vehicle is large, it will also be more expensive.
But there are also other variables that depend 100% on your choices. We refer to those "extras" that can make your trip much calmer, safer and cover different situations in which you do not want to be unprotected.
Next we are going to see some mandatory aspects, and other recommended ones that you should consider when choosing a good insurance.
WARNING!
Before taking out motorhome insurance you must read the CCGG (General Conditions of the policy) because they are the only binding clauses that will come into play at the moment of truth. Many people sign insurance based on the summarized information they find on a website or based on what an agent tells them over the phone. This communication is not always malicious, but it is your responsibility to read and know in detail what you are signing. So our advice is to ask for, look for and read the CCGG of an insurance before contracting it. You wouldn't be the first or the last person to get a surprise.
Civil Liability (Mandatory)
Civil liability or third party insurance is one of the most basic insurance coverages for any vehicle. And it is a mandatory clause because thanks to it, anyone who suffers any damage or injury through our fault will be remedied. In this way, our insurance will always have to repair the physical or material damage that we have caused to a third party.
Roadside assistance and expatriation (Basic but not mandatory)
This coverage is one of the basic ones that your insurance should cover. But, as we told you before, you must pay close attention that it is included in the CCGG because this is not mandatory . And this will be important for moments in which, due to a breakdown, puncture or any other cause, we get stranded on the road.
Windows, fire or theft coverage (basic but not mandatory)
This is another of those coverages that many people take for granted in motorhome insurance but that, in reality, is not mandatory. For this reason, we will have to pay close attention to what they include because, they are very common cases when traveling by motorhome or campervan.
Claim and legal defense (basic but not mandatory)
It is also interesting that your insurance includes defense and legal claim because in the event of an erroneous or unfair fine, your insurance will cover all the expenses involved.
Nature phenomena, collision due to running over animals, complete loss, replacement vehicle, network of workshops (extra coverage)
This type of coverage is not basic, but depending on the type of trip we are going to make, it would be very interesting to take them into account, for example, if our trip takes place in environments where temperatures they can be extreme or in virgin, forested or wild environments.
These are the best insurances! Choose which is, for you, the best motorhome insurance
As we have done on other occasions, we want to bring you the highlights that we have found in different forums, blogs and vlogs from the world of caravanning and vans. The truth is that you can find many alternatives, but the most mentioned, recommended and suggested by motorhome travelers are the following:
Zalba caldú
In Zalba Caldú you will find all-risk insurance for approximately €600-700 and a franchise all-risk insurance for €300-400. This includes, for example, travel assistance that covers from the KM. 0 for accident and international breakdown, repatriation of the vehicle and occupants, medical assistance abroad, permit deprivation allowance, fire, natural phenomena and many others.
ALLIANZ
Surely you know this insurance and in fact, for motorhomes it also has very interesting options and at a very good price. In this case, you can find 3 modalities: third-party insurance with windows, extended third-party insurance and all-risk insurance. These modalities can range from €250 to €600 per year.
Forums where you can find out about the best motorhome insurance according to travelers
-
Forodecampers. com: https://www. forodecampistas. com/viewtopic. php?t=86
-
Motorhomes. is: https://www. motorhomes en/forum/topic/help-with-insurance-prices/
-
Furgovw. org: https://www. furgovw. org/forum/index. php?board=152. 0
