What does a third-party motorhome insurance policy cover?
As an owner of a motor home, you are obliged to insure your vehicle. The obligation is for third party liability (WA) insurance. Of the three forms of insurance that most insurers offer, this is the cheapest motor home insurance. The height of the premium is the biggest advantage, but this insurance also has disadvantages.
An accident can cause great financial damage. So much so that it is impossible for you to bear the costs yourself. For this reason, third-party insurance is mandatory. A victim of an accident with a motor home can submit a claim directly to the insurer with whom the liable party is insured.
Third-party liability (mandatory)
- Free recovery service
- Damage to others
- Theft, joyriding and loss
- Damage by fire or natural disaster
- Own damage caused by a collision
WA limited casco
- Free recovery service
- Damage to others
- Theft, joyriding and loss
- Damage by fire or natural disaster
- Own damage caused by a collision
All-Risk (WA+Casco)
- Free recovery service
- Damage to others
- Theft, joyriding and loss
- Damage by fire or natural disaster
- Own damage caused by a collision
When does the third-party motorhome insurance pay out?
The insurer pays for the damage caused with the motorhome to others. It may be a matter of minor damage of a few hundred or a few thousand Euros, but the damage can also be much higher. In case of a serious accident with several injured people, the damages can amount to millions of euros. It is not for nothing that the personal injury insurer maintains an insured amount of €6,070,000. For material damage, the maximum payment is €2,500,000. The chance of such damage is small, but it cannot be ruled out.
What about the damage to your motor home?
The third-party insurance does not pay out for your own damage. If your damage is caused by another person, you can recover the amount from the person responsible for your damage. The insurer will not help you with this. Damages such as window breakage and storm damage are not covered by the insurance either. These kinds of damages are insured in the WA limited casco. The all risk motorhome insurance pays for the damage to your motorhome in case of such damage. The all risk insurance pays for your damage in case of an accident caused by you. Of course these insurances have a higher premium.
Is third-party insurance the best choice?
Third Party Liability is the cheapest insurance, but also the most stripped-down. For a motor home of limited value, third party insurance is often the best choice. For new motor homes and old motor homes with a high value, the all-risk insurance is the smartest choice. The intermediate form is the WA limited casco. But there is no clear border between these forms of insurance. For example when your camper is five years old, you don't have to exchange the all risk for the cheaper WA limited case.
It remains a question of comparing well. Compare the premium with the coverage and make your choice accordingly. It is better not to skimp on the coverage. Compare insurers and save money by comparing them.
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