You were seduced by the camper and decided to pass the course? Let’s look at an expense that you should not neglect: insurance.
As you approach the beautiful days, the bridges of May and summer, you may have recently acquired one camping-car for travel in your own way France and Europe. If today we will not give you the perfect road trip route , we will focus on a very important point: the insurance of your camper. How to ensure a motorhome? What insurance? And how much does the insurance of a motorhome?
Even if you only use your vehicle part of the year, it must be insured. It is important to read the insurance guarantees well, because you could spend a bad holiday following an incident not covered by your contract!
How do I ensure his motorhome?
Consider your camping car as a classic vehicle: you have to ensure it as your car or motorcycle. In this way, you must contact your insurance with a copy of the gray card of the camper, your driver’s license, an identity document and an information statement (an official document provided by your previous insurer upon request).
Classic insurance companies can provide a motorhome. Do not hesitate to make a quote from several insurers. You can also opt for specific insurance, i.e. camper insurance tailored to the use you make. Note that to negotiate a tariff, it is possible to contact an advisor directly, as can be done for example for camping car insurance from AXA.
What guarantees?
As with any engine-powered ground vehicle, a motor-home must be insured at a minimum of one third. Given the value of a motorhome, its size and what it can carry, any risk insurance would be more appropriate.
Insurance companies recommend at least two guarantees :
– the flight guarantee, which covers theft or attempted theft of the motorhome and its contents,
– the fire guarantee, which covers internal or external fires as well as the damage caused by lightning.
It is important to note that the insurance contracts for motorhomes do not cover the elements attached to the outside of the camper (velos, surfboards...), as well as certain items of values such as jewellery, money...
How much does camping-car insurance cost?
Getting a motorhome is expensive, but is not excessive. The price of insurance obviously depends on several criteria such as:
– the brand and model of the motorhome, – the value to nine of the camper, – the arrangements made on the motorhome, if any, – the profile of the insured (age, location, history...)
To give a slice of price, the basic insurance of a motorhome can start at 450€ per year, but depending on the level of insurance, the guarantees and other options, the rate can increase to 800€ or more.
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