Motorhome Hire Excess InsuranceBetter cover for less!
Compare Motorhome hire insurance policies. From just £6.65 per day for a policy reducing your Motorhome excess to just £100, covering damage to your motorhomes wheels, tyres, windscreen, mirrors, glass, underbody and roof. Policies can cover named drivers, lost keys and even provide motorhome breakdown cover.
|Please select the appropriate category|
|I am a UK resident renting a motorhome in the UK or Europe|
|I am a UK resident renting a motorhome outside Europe, or need to cover an excess over £2,000|
|I am a non UK resident renting a motorhome in Europe|
|I am a non UK resident renting a motorhome outside the UK or Europe or need to cover an excess over £2,000|
When you rent a motorhome its pretty much certain that it will be provided with both Collision Damage Waiver (which covers the motorhome itself), and Liability Insurance, which covers your liability to others in the case of an accident. However you will almost certainly find that you are still liable for a fairly hefty bill if you are involved in an incident.
Motorhome hirers should therefore check carefully the terms and conditions on their motorhome hire agreement carefully, and if in any doubt clarify the situation with the motorhome rental company. Do this before you actually sign up for renting the vehicle as from that point forward you are legally bound by the terms and conditions.
Motorhome Insurance - Common areas of concern
As with your car insurance at home Motorhome Hire Insurance policies have an excess, being the amount you are liable for before your insurance policy or waiver starts paying up. Motorhome hire companies see them as a useful way of encouraging you to be careful with their vehicle, as well as avoiding the need for them to make small insurance claims.
However to many renters they are a potential holiday wrecker, as the excess can be £500, £1000 or even more. Therefore excess insurance is made available either through the rental firms, or independent insurers such as those featured on Moneymaxim.
Excess Insurance - What to check for
We have seen examples of many excess insurance policies around the world, and the following are some of the key features to watch out for.
- The level of excess reduction. Policies sold through moneymaxim reduce the excess to £100, whilst some hire firms only reduce it to £500.
- Exclusions. Whilst moneymaxim offer policies which cover the tyres, wheels, glass, underbody roof and even lost keys most policies bought from rental firms don't. Bearing in mind there is a lot of glass in a Motorhome windscreen that can mean you are leaving yourself open to a pretty big bill if the windscreen is chipped. The tyres are expensive too!
- The interior of the vehicle. Do note that most policies exclude damage to the interior of the vehicle - so do look after your motor home!
- Reversing and parking accidents. Some policies (although not those issed by moneymaxim) exclude reversing accidents or parking incidents. That is potentially dangerous as many of us are unused to manoeuvring vehicles of this size.
Unfortunately stand alone Supplementary Liability Insurance is not, as far as we are aware, available in the UK. It is also not part of the cover offered on policies from any of the above insurers meaning the limit of your liability cover is that offered by your motorhome rental firm.
In many cases this is not a problem, but we are regularly approached for such policies by those renting in the US (especially Alaska), where the minimum liability cover rental firms have to provide is determined by the state, and can be woefully inadequate.
This information is based on journalistic investigation and research. It is not financial advice. Any information should be considered in regard to specific circumstances. Any suggestions followed up are done so at your own risk and your own research is key. Prices and features checked and correct as at 1st September 2014.