800,000+ customers
27 locations
92% recommend us
Home Motorhome insurance Motorhome insurance policy terms and conditions

RV insurance policy terms and conditions.

Nobody goes through the policy conditions for motor home insurance of their own free will. They are often boring and difficult to read. Yet they are important, but we understand that you will not go through them for pleasure. We would like to explain some important parts of the policy conditions.

What is the excess in the motor home insurance?

The excess is a part of the damage that you have to pay for yourself. Not all insurance companies use an excess. If they do, it is often an amount up to €150. In case of a damage of €1.000 you will receive €850 based on a deductible of €150. Insurers apply an excess to discourage policyholders from claiming damages.

A higher excess for young drivers

Young drivers often pay a higher premium until they are 24 years old. Insurers do this because they cause more damage compared to older drivers. For some insurers, this is not enough. They also impose an additional excess in the policy conditions in case of damage caused by young drivers. Not all insurers do this.

Excess for windscreen damage

A different excess applies to damage to windshields. If replacement of the glass is not necessary, there is often no excess. The insurer may refer you to a specific glass repairer in your area. When replacing the windscreen, an excess often applies. The amount of the excess depends on where you go for the window replacement. Insurance companies may refer you to repairers with whom they have contracts.

The new-age insurance

For new or young motor homes, the new-for-old value arrangement is interesting. In the event of a total loss of the motor home, the claim is settled on the basis of the new value of the motor home. The new-for-old value arrangement can apply for one to three years. After this period, the daily value of the motor home will be used as the basis for the claim.

Purchase price regulation

This is similar to the new value scheme, but this scheme is aimed at second hand motorhomes. If this scheme is included in the motorhome insurance according to the policy conditions, the purchase value of the motorhome will be used for a certain period of time. Did you buy the camper for €8,000? Then this value will temporarily be used instead of the current market value for the claim settlement.

Current value of the motor home

The current value is the value of the motorhome immediately before the damage. This value takes into account the age of the motorhome, as well as its state of repair and, for example, the mileage. It also takes into account how well the motorhome has been maintained.

Termination of motor home insurance

The camper insurance has a standard term of one year. After the first year of insurance, the policy is renewed for another year. After the first year of insurance, the insurance can be cancelled daily. Some insurers use a cancellation term of one month. This is allowed. When cancelling the motor home insurance on 5 April, the insurer is allowed to terminate the insurance on 5 May. When selling the motor home, the motor home insurance can be cancelled immediately. This is logical as there is nothing left to insure. Also during the first year the insurance can be cancelled when selling the motor home.

Damage control by the insurer

For damage repair, insurers use damage control. This means that you should preferably have the motor home repaired at a repair company designated by the insurer. They steer damage by, for example, lowering the excess if you go to the affiliated repairer. We are also familiar with this phenomenon for glass repair.

Driving with alcohol at the wheel

Insurers are strict in the case of damage where the driver was under the influence of alcohol. The insurer has the right to recover the amount of the damage from the person who caused it. In a liability case, the damage to the other party is compensated. The insurer can then send the drunk driver an invoice for the damage. This type of damage recovery can involve large sums of money.

Other exclusions

In the policy conditions, there are even more situations where there is no cover. For example participating in speed contests or renting out the camper. Also when driving the camper without a valid driving licence, the camper insurance does not provide cover.

Guarantee

In the event of a collision abroad, you may have to pay a deposit. In extreme cases, the motor home may be confiscated. It is even possible that you will end up in prison yourself. The camper van is returned on payment of a deposit. The insurer will take care of this. Even if a deposit is required to get you out of jail.

Questions we often get

What are important things about the policy conditions?

Reading policy conditions is not the nicest thing to do. That's why we've put the most important ones in a row. Clear and simple.

Read more

reading time 3 minutes

How does it work with claim-free years?

You can find out how many claim-free years you have on your policy schedule. Not sure? Check with your insurer or broker. That way you avoid having your premium changed afterwards if your claim-free years were not correct.

read all about building up claim-free years

reading time 3 minutes

What supplementary insurances are there?

Some additional insurances are very useful. We will explain all supplementary insurances to you. That way, you can make an informed choice.

Check the pros and cons of supplementary insurances

reading time 4 minutes

Customers about Alpina

klantenvertellenMade possible by klantenvertellen.nl
See all reviews
8.2
Average score
Based on 3343 reviews

Calculate the premium of your motorhome insurance directly!

We can be reached via Chat, Whatsapp, phone or email

Please feel free to contact us if you would like to know more.
We are here Monday to Friday from 08:00 to 18:00.

get in touch