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RV Excess Insurance Policies for UK residents renting in the UK & Europe
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| 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
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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
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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 £41.99, RV upgrade cost £19.99). The upgrade option is offered after you've filled in the "About You" page on their site.
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Europe
£61.98 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 £54.99, RV upgrade cost £19.99). The upgrade option is offered after you've filled in the "About You" page on their site.
|
Worldwide
£74.98 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 £41.99, RV upgrade cost £19.99). The upgrade option is offered after you've filled in the "About You" page on their site.
|
Europe
£61.98 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 £54.99, RV upgrade cost £19.99). The upgrade option is offered after you've filled in the "About You" page on their site.
|
Worldwide
£74.98 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 November 2018.
