Motorhome, RV and Campervan Excess Insurance
What you need to know about Motorhome Excess Insurance, and how it works
When you make a motorhome booking, part of the purchase price goes to pay for insurance on the motorhome you will be driving.
The insurance that comes with your campervan rental will always include an Excess. When you pick up your campervan at the depot, you will have to leave a deposit there. The amount of the deposit will be the amount of the excess that applies to the insurance. The excess is the amount of money you will have to pay for any damage that occurs to the vehicle before the insurance company pays for the rest. As an example, say you have an accident in the RV that causes €1200 worth of damage. If the insurance on the motorhome had an excess amount of €500, then you will have to pay that amount, with the insurance company covering the remaining €700.
With motorhomes, you generally have the following options:
1. When you pick up the motorhome, the depot will take a signed credit card slip for the amount of the excess insurance. This slip would be processed in the event of any damage to the motorhome.
2. One of our suppliers asks that you log into a website just before picking up the motorhome, and make a credit card payment for the amount of the excess online.
3. Some other suppliers require cash or travellers cheques to be deposited before the motorhome is released.
The product we are offering is Motorhome Excess Insurance. You would make the payment for the excess insurance to the supplier as normal, by whichever means they specify, and then go on your holiday. If any damage occurs to the motorhome, the depot will charge your deposit as normal. You would then obtain a damage report from the RV supplier, and retain any receipts. You then simply call the insurance company, and proceed to make a claim to have your excess deposit returned (please note, however, that the first £100 of any claim would not be covered).
All drivers named on the rental agreement for the motorhome are covered, as long as they are aged between 25 and 70. Rentals up to 31 days in length are covered.
The cost is very reasonable; just UK£6.99 per day, and you can pay in Euro as well. The cover is available worldwide, so any of the motorhomes we rent can be covered.
Some other key points to be aware of:
Eligibility to Purchase
- Aged 25 to 70
- Holding a full driving licence
- Not subject to a driving ban
- Fit to drive and not driving against the advice of a doctor
What is Covered
Any physical loss or damage to the vehicle hired up to the excess shown in the car rental
agreement including loss or damage to tyres, windscreen, under body of the vehicle and
towing charges.
Policy Limits
The excess on the rental agreement but not more than:
- European Rentals - £2,000 each and every loss and in total
- Worldwide Rentals - £5,000 each and every loss and in total
- £500 in respect of towing
- £500 in respect of keys to the hired vehicle
What’s Excluded
- The first £100 of any loss
- Any vehicle whose value is greater than US$80,000
- Any vehicle aged more than 10 years from first registration
- Any person not named on the rental agreement
- Any person not named on the certificate of insurance
- Any person not eligible to purchase this insurance
- Mechanical breakdown
- Miss-fuelling
Who is providing the insurance?
The insurance is provided by Questor Insurance, an Independent insurance intermediary regulated by the Financial Services Authority (firm reference 466942). The insurance policy is underwritten by White Horse Insurance Ireland Limited 14 Clyde Road Ballsbridge Dublin 4 Ireland. White Horse is regulated in Ireland by the Irish Financial Services Regulatory Authority
How can I find out more?
Full details of this insurance is available on the Questor Insurance website, at
http://www.questor-insurance.co.uk/wmh.
