Campervan, RV, and Motorhome Hire Excess Insurance
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Ensuring excess insurance for motorhome hire equals not being obliged to exceed the trip budget in case of an accident. After all, the collision and liability waiver policies do not pay for everything, and drivers are liable for a heavy sum in incidents. Fortunately, it is not hard to comprehend how campervan, RV, and motorhome hire excess insurance policies work. As a matter of fact, their small cost usually surprises drivers compared to the consequent relief.
What Is Motorhome Hire Excess Insurance?
Motorhome hire excess insurance is an optional but highly recommended add-on to your hire motorhome insurance – also applicable to campervans and RVs. Combined with the standard Collision Damage and Liability Insurance Waiver (covering the motorhome and liability to others, respectively), it covers and saves you from a robust bill called an “excess”. Similar to what happens in car hire excess insurance, you would otherwise be liable for a considerable sum in case of an incident.
Most people might find it a surprise, but insured drivers who do not count on a motorhome hire excess insurance will be liable for a surplus that may raise up to thousands of dollars/pounds.
What Does It Cover?
- Excess for damage and theft - the aforementioned surplus
- Loss/damage to
- Windscreen: tyres; underbody; roof; awning
- Loss of use
- Towing
- Misfuelling
- Lost Keys
- Roll overs
- Fire
- Vandalism
Requirements to Purchase Motorhome and Campervan Hire Excess Insurance
The requirements to purchase a motorhome hire excess insurance cover are not very different from those of a van hire excess insurance:
- Drivers of 21 - 84 years old
- To hold a valid internationally recognised license/permit for the rental motorhome
- Being a permanent resident in the EEA
- Maximum of drivers up to 5 without extra costs, 9 with additional drivers
- Motorhomes and campervans up to 7.5T in weight
- Vehicles with no more than 20 years old
- Maximum value of £75,000 - 100,000
What to Check for in the Insurance?
- Before purchasing your motorhome or RV rental excess insurance, verify your rental agreement to find the excess amount you are liable for. They intend to encourage drivers to keep away from trouble, not to mention losing their time with small claims. Fortunately, that amount is likely to be far less than the maximum covered by those motorhome and campervan hire excess insurance companies below.
- Some policies only reduce the excess amount. Therefore, keep that in mind before choosing one that best suits your conditions.
- Rental firms tend to offer more expensive excess insurance for motorhome hire with several exclusions. They might even not include probable incidents when parking or reversing those huge vehicles. Do not forget that when they offer excess coverage on the act.
- While motorhome hire excess insurance does cover many incidents, interior damage is potentially not covered. That said, take good care of your campervan, RV, or motorhome.
How Much Does RV/Campervan/Motorhome Hire Excess Insurance Cost?
| Excess Insurance Provider | Type | Coverage | Price From (Single-Day Trip) |
|---|---|---|---|
| CarInsuRent | Motorhome and Campervan Hire Excess Insurance | GB£2,500.00 | GB£14.25 |
| RentalCover | Motorhome, RV and Campervan Hire Excess Insurance | GB£2,400.00 | GB£25.25 |
| Questor Insurance | Motorhome and Campervan Hire Excess Insurance | GB£2,500.00 | £9.15 (Worldwide) £8.13 (Europe) |
Conclusion
Considering both the cost and how practical it is to acquire motorhome hire excess insurance, there are no reasons that justify ignoring it. The price comparison table above allows clear identification of the type of excess coverage you might be looking for. Our recommendation is to give the “What to Check For” topic a second look. Yes, even before deciding where to rent your motorhome and campervan. That way, no concerns will be capable of disturbing your peace of mind.