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RV Hire Excess Insurance

Start your search for an RV excess insurance policy at MoneyMaxim, deals starting from £8.13 a day!

Not yet booked your RV? Check our RV hire prices now!

RV Hire Excess Insurance Insure the Excess affordably when you rent a Recreational Vehicle Compare RV hire insurance policies. Make your your RV trip doesn't become a nightmare by reducing your RV Hire insurance excess to an affordable £350 or even to nil. Policies cover damage to your RV's wheels, tyres, underbody and roof. Most policies also cover damage to the vehicles windscreen, mirrors and glass. Policies can cover named drivers, lost keys and much more besides.
Please select the appropriate category
I am a UK resident renting an RV in the UK or Europe
I am a UK resident renting an RV outside Europe, or need to cover an excess over £2,000
I am a non UK resident renting an RV in Europe
I am a non UK resident renting an RV outside the UK or Europe or need to cover an excess over £2,000

RV Excess Insurance Policies for UK residents renting in the UK & Europe
Company	Policy Details	Price
	Reduces your liability for excess payments to £350 Cover excesses to £2,500 on European policies RVs up to 7.5T can be up to 20 years old with max value of £75,000 Covers drivers from 21 - 84, no minimum policy period Covers Loss or Damage to windscreens, RV glass, roof, tyres and underbody Covers up to 6 named drivers (who must be on the rental agreement) Towing costs, Misfuelling and Lost Key cover up to a maximum of £500 per rental covered. Does not cover the interior, contents or losses relating to fire Maximum rental period 45 days Allows rentals in your home country	Europe £8.13 p.d. (£2,500 excess covered)
	Reduces your liability for excess payments to £350 Cover Excesses to £2,500 on hires in Europe Includes Loss or Damage to autoglass (inc windscreen); roof; tyres; underbody Loss of Use, Towing costs, Misfuelling and Lost Keys also covered Insurance for rental periods from 1 to 45 days, including rentals in your home country Motorhomes & Campervans covered up to 7.5T Insure up to 4 named drivers aged 24 – 74 (provided they are on the rental agreement) Excludes losses relating to fire, plus loss or damage to interior and contents Limited to vehicles up to 20yrs old, with a value up to £50,000	Europe £9.00 p.d. (£2,500 excess covered)
	Reduces your liability for excess payments to £nil Cover excesses to £1,000 per single incident and £2,000 per series of incidents per rental agreement on European policies Also provides year round car hire excess insurance Insures excess charges and damage relating to Fire, Theft, Vandalism, Physical damage to windscreens, tyres, roof and under carriage, towing costs resulting from accidental damage or theft, any fees charged by the Rental Vehicle Company for which you are liable for the loss of use of the Rental Vehicle caused by accidental damage or theft. RVs up to 20 years old with max value of £100,000 Covers drivers from 21 - 84, annual policies only Covers up to 9 named drivers (who must be on the rental agreement) Does not cover loss or damage to contents of the RV Lost key cover of £1,000 available as £9.99 upgrade Annual policy covering any number of trips with a maximum trip lengths of 65 days Allows rentals in your home country RV cover is an upgrade option available from the standard European Car Hire Insurance policy (Standard price £42.99, RV upgrade cost £19.99). The upgrade option is offered after you've filled in the "About You" page on their site.	Europe £62.98 p.a. (£1,000 Single Incident Excess covered)

RV Excess Insurance Policies for UK residents renting anywhere Worldwide
Company	Policy Details	Price
	Reduces your liability for excess payments to £350 Cover excesses to £2,500 on Worldwide policies RVs up to 7.5T can be up to 20 years old with max value of £75,000 Covers drivers from 21 - 84, no minimum policy period Loss or Damage to windscreens, RV glass, roof, tyres and underbody Covers up to 6 named drivers (who must be on the rental agreement) Towing costs, Misfuelling and Lost Key cover up to a maximum of £500 per rental covered. Does not cover the interior, contents or losses relating to fire Maximum rental period 45 days Allows rentals in your home country	Worldwide £9.15 p.d. (£2,500 excess covered)
	Reduces your liability for excess payments to £350 Cover Excesses to £2,500 on hires Worldwide Includes Loss or Damage to autoglass (inc windscreen); roof; tyres; underbody Loss of Use, Towing costs, Misfuelling and Lost Keys also covered Insurance for rental periods from 1 to 45 days, including rentals in your home country Motorhomes & Campervans covered up to 7.5T Insure up to 4 named drivers aged 24 – 74 (provided they are on the rental agreement) Excludes losses relating to fire, plus loss or damage to interior and contents Limited to vehicles up to 20yrs old, with a value up to £50,000	Worldwide £10.00 p.d. (£2,500 excess covered)
	Reduces your liability for excess payments to £nil Cover excesses to £1,000 per single incident and £2,000 per series of incidents per rental agreement on Worldwide policies Also provides year round car hire excess insurance Insures excess charges and damage relating to Fire, Theft, Vandalism, Physical damage to windscreens, tyres, roof and under carriage, towing costs resulting from accidental damage or theft, any fees charged by the Rental Vehicle Company for which you are liable for the loss of use of the Rental Vehicle caused by accidental damage or theft. RVs up to 20 years old with max value of £100,000 Covers drivers from 21 - 84, annual policies only Covers up to 9 named drivers (who must be on the rental agreement) Does not cover loss or damage to contents of the RV Lost key cover of £1,000 available as £9.99 upgrade Annual policy covering any number of trips with a maximum trip lengths of 65 days Allows rentals in your home country Motorhome cover is an upgrade option available from the standard Worldwide Car Hire Insurance policy (Standard price £57.99, RV upgrade cost £19.99). The upgrade option is offered after you've filled in the "About You" page on their site.	Worldwide £77.98 p.a. (£1,000 Single Incident Excess covered)

RV Excess Insurance Policies for non UK residents renting in the UK & Europe
Company	Policy Details	Price
	Reduces your liability for excess payments to £350 Cover excesses to £2,500 on European policies RV up to 7.5T can be up to 20 years old with max value of £75,000 Covers drivers from 21 - 84, no minimum policy period Loss or Damage to windscreens, RV glass, roof, tyres and underbody Available to residents of most Western European Countries including the UK Prices vary according to country of residence Covers up to 6 named drivers (who must be on the rental agreement) Towing costs, Misfuelling and Lost Key cover up to a maximum of £500 per rental covered. Does not cover the interior, contents or losses relating to fire Maximum rental period 45 days Allows rentals in your home country	Europe from €8.57 p.d. (£2,500 excess covered)
	Reduces your liability for excess payments to £350 Cover Excesses to £2,500 on hires in Europe Includes Loss or Damage to autoglass (inc windscreen); roof; tyres; underbody Loss of Use, Towing costs, Misfuelling and Lost Keys also covered Insurance for rental periods from 1 to 45 days, including rentals in your home country Motorhomes & Campervans covered up to 7.5T Available to residents of most Western European Countries including the UK Insure up to 4 named drivers aged 24 – 74 (provided they are on the rental agreement) Excludes losses relating to fire, plus loss or damage to interior and contents Limited to vehicles up to 20yrs old, with a value up to £50,000	Europe £9.00 p.d. (£2,500 excess covered)
	Reduces your liability for excess payments to £nil Cover excesses to £1,000 per single incident and £2,000 per series of incidents per rental agreement on European policies Also provides year round car hire excess insurance Insures excess charges and damage relating to Fire, Theft, Vandalism, Physical damage to windscreens, tyres, roof and under carriage, towing costs resulting from accidental damage or theft, any fees charged by the Rental Vehicle Company for which you are liable for the loss of use of the Rental Vehicle caused by accidental damage or theft. RVs up to 20 years old with max value of £100,000 Covers drivers aged from 21 - 84, annual policies only Covers up to 9 named drivers (who must be on the rental agreement) Does not cover loss or damage to contents of the RV Lost key cover of £1,000 available as £9.99 upgrade Annual policy covering any number of trips with a maximum trip lengths of 65 days Available to residents of most EEA countries Allows rentals in your home country RV cover is an upgrade option available from the standard European Car Hire Insurance policy (Standard price £42.99, RV upgrade cost £19.99). The upgrade option is offered after you've filled in the "About You" page on their site.	Europe £62.98 p.a. (£1,000 Single Incident Excess covered)

RV Excess Insurance Policies for non UK residents renting anywhere Worldwide
Company	Policy Details	Price
	Reduces your liability for excess payments to £350 Cover excesses to £2,500 on Worldwide policies RVs up to 7.5T can be up to 20 years old with max value of £75,000 Covers drivers from 21 - 84, no minimum policy period Loss or Damage to windscreens, RV glass, roof, tyres and underbody Available to residents of most Western European Countries including the UK Prices vary according to country of residence Covers up to 6 named drivers (who must be on the rental agreement) Towing costs, Misfuelling and Lost Key cover up to a maximum of £500 per rental covered. Does not cover the interior, contents or losses relating to fire Maximum rental period 45 days Allows rentals in your home country	Worldwide from €10.28 p.d. (£2,500 excess covered)
	Reduces your liability for excess payments to £350 Cover Excesses to £2,500 on hires Worldwide Includes Loss or Damage to autoglass (inc windscreen); roof; tyres; underbody Loss of Use, Towing costs, Misfuelling and Lost Keys also covered Insurance for rental periods from 1 to 45 days, including rentals in your home country Motorhomes & Campervans covered up to 7.5T Available to residents of most Western European Countries including the UK Insure up to 4 named drivers aged 24 – 74 (provided they are on the rental agreement) Excludes losses relating to fire, plus loss or damage to interior and contents Limited to vehicles up to 20yrs old, with a value up to £50,000	Worldwide £10.00 p.d. (£2,500 excess covered)
	Reduces your liability for excess payments to £nil Cover excesses to £1,000 per single incident and £2,000 per series of incidents per rental agreement on Worldwide policies Also provides year round car hire excess insurance Insures excess charges and damage relating to Fire, Theft, Vandalism, Physical damage to windscreens, tyres, roof and under carriage, towing costs resulting from accidental damage or theft, any fees charged by the Rental Vehicle Company for which you are liable for the loss of use of the Rental Vehicle caused by accidental damage or theft. RVs up to 20 years old with max value of £100,000 Covers drivers aged from 21 - 84, annual policies only Covers up to 9 named drivers (who must be on the rental agreement) Does not cover loss or damage to contents of the RV Lost key cover of £1,000 available as £9.99 upgrade Annual policy covering any number of trips with a maximum trip lengths of 65 days Available to residents of most EEA countries Allows rentals in your home country RV cover is an upgrade option available from the standard Worldwide Car Hire Insurance policy (Standard price £57.99, RV upgrade cost £19.99). The upgrade option is offered after you've filled in the "About You" page on their site.	Worldwide £77.98 p.a. (£1,000 Single Incident Excess covered)

RV (Recreational Vehicles) is a term used widely in the US and Canada for what we in the UK would more usually term a motorhome. Unlike car rental in the US RV hire agreements almost always include insurance, normally consisting of Collision Damage Waiver (which covers the RV itself), and Liability Insurance, which covers your 3rd party liability. Given the size of the vehicle you will be renting and the fact most renters are less used to driving one we consider adequate insurance a must. RV hire policies frequently have a large excess (the portion of any claim you remain liable for) rarely less than £500, more often much higher.

Before arranging your RV hire do check your agreement and its terms and conditions carefully. If you find you are unsure about any of the details, refer to your RV rental company. Do this before you sign on the dotted line as from that moment on you are bound by the company's terms and conditions.

RV Hire Insurance - general guidance

RV Hire Excess Insurance - Spot the areas you are liable for

RV excess waiver policies vary considerably from one rental firm to another. Some leave a lot of liability as the responsibility of the renter - and not just the excess - so do be really careful when reading the documentation - watch out for the following:

How much do RV excess waiver policies cost? - the average we tend to see is around £15 per day, but this varies considerably.
Find out whether the cover offered reduces or removes the excess. Policies sold through MoneyMaxim reduce the excess to £350 some even to nil, whilst some hire firms only reduce it to £500. There are policies which remove it altogether, although we have found that many of these have other limitations which make the overall cover offered less valuable.
Exclusions - RV excess policies available through MoneyMaxim cover lost keys, tyres, wheels, glass, underbody and the roof. You will find almost all RV rental firms policies exclude these items, and taking their excess waiver policy does not make any difference in the exclusions. Chipped windscreens are actually the most common reason for claims on excess waiver policies (Source: Questor Insurance) and a RV windscreen is a very pricey item to replace. Bearing in mind the costs of replacing a windscreen if it is chipped, a tyre if it's punctured or the cost of roof damage, this is highly valuable cover. Policies also cover lost keys.
Inside your RV - Most policies including those from Questor and Worldwide exclude damage to the interior of the vehicle - so do take care when cooking in your RV!
Parking or reversing accidents - Many policies (not those issued by MoneyMaxim) exclude reversing accidents or parking incidents, especially if you are not using a banksman. This is an exclusion to be wary of as many of us are unused to manoeuvring vehicles the size of an RV.
After an accident you can remain liable for reimbursing the RV Hire company if the RV is damaged and can't be hired out immediately you hand it back. If, for arguments sake, it takes a week to repair the RV you could be paying the rental charge they are losing from the next hirer.

Supplementary Liability Insurance

Unlike Car Rental insurance, independent Supplementary Liability Insurance policies for RVs are not, as far as we are aware, available in the UK. In many places this is not an issue as the rental firms standard liability cover will be adequate.

We are however regularly approached for top up 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 15th January 2019.

Moneymaxim aims to inform its visitors through its journalistic sourced information, but things change rapidly in our market and we cannot guarantee everything will be perfectly up to date. Please do be aware you use the information at your own risk, that the information provided is not financial advice and that your own independent research is essential to make sure that any product or service used is right for your circumstances. We cannot accept liability for any decision you take as a result of information provided on moneymaxim. This service is free to you but to operate this service moneymaxim may receive commissions from the partners you are referred to.

Moneymaximiser Limited trading as moneymaxim is authorised and regulated by the Financial Conduct Authority (FCA FRN 496690). Moneymaximiser Limited, registered in England No. 6706021. Registered Office: 8 Market House, 19-21 Market Place, Wokingham, Berkshire, RG40 1AP. Telephone 0800 520 0699 or 0118 321 8197.